UNDERSTANDING ISLAMIC FINANCIAL PRODUCT HOLDINGS: THE ROLES OF LITERACY, MOTIVES AND ATTITUDES

Dewi Khornida Marheni (Universitas Internasional Batam)
Jocelyn Lim (Universitas Internasional Batam)
Johny Budiman (Universitas Internasional Batam)

Journal of Sharia Economics
Vol. 7 No. 2 (2026): Islamic Economics

This study aims to investigate the impact of IFL, RLG, ETC, and ECM on holdings of IFP through attitude as a mediating variable. This study is a quantitative survey which data was collected from 379 Islamic financial product users in Batam, selected by convenience sampling using the formula n x 10. Data was analysed using PLS-SEM. The results shows that IFL, RLG, ETC, and ECM have a significant positive effect on holdings of IFP. ATT mediate the relationship between IFL, RLG, ETC and holdings of IFP. Considering the results, shows that emphasizing the importance of improving financial understanding and strengthening ethical, religious and economic considerations.