IIJSE
Vol 9 No 2 (2026): Sharia Economics

The Effect of Sharia Financial Literacy, Sharia Financial Inclusion, and Motivation on Interest in Saving in Sharia Banks with Religiosity Moderation

Ardelia Putri (Universitas Islam Negeri Syarif Hidayatullah, Jakarta, Indonesia)
Santi Yustini (Universitas Islam Negeri Syarif Hidayatullah Jakarta, Indonesia)



Article Info

Publish Date
27 May 2026

Abstract

The importance of understanding the factors that influence people's interest in saving in Islamic banks. This study aims to analyze the influence of Islamic financial literacy, Islamic financial inclusion, and motivation on the interest in saving in Islamic banks with moderation of religiosity (a case study in the South Tangerang community). The population in this study was the South Tangerang community with a sample of 100 respondents. The sampling used non-probability with a purposive sampling technique with a Likert scale . The data analysis method used SEM-PLS with SmartPLS 4.0 software. The results of this study indicate a significant influence between the Islamic financial inclusion variable on the variable of interest in saving, a significant influence between the motivation variable on the variable of interest in saving, while the Islamic financial literacy variable has no significant influence on the variable of interest in saving. On the other hand, the religiosity variable is unable to moderate the relationship between the variables of Islamic financial literacy, Islamic financial inclusion, and motivation on the interest in saving.

Copyrights © 2026






Journal Info

Abbrev

iijse

Publisher

Subject

Economics, Econometrics & Finance

Description

The Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) is Sharia Economics Journal published by Sharia Economics Department Institut Pesantren KH. Abdul Chalim, Mojokerto. The Journal focuses on the issues of Sharia Economics, the History of Islamic Economic Thought, Islamic Law, Local ...