Factors Influencing Public Interest in Using Sharia Banking Products: A Study in Gresik Regency

Abiyyah Muhammad (Universitas Negeri Surabaya)
Yan Putra Timur Timur (Universitas Negeri Surabaya)
Himmatul Kholidah Kholidah (Center of Islamic Social Finance, Ekonomi Islam,Universitas Airlangga)
Muhammad Rifqi Rifqi (Universty of Yarmouk, Irbid, Jordan)

Jurnal Maps (Manajemen Perbankan Syariah)
Vol. 10 No. 1 (2026)

This study aims to examine the effects of social environment, Islamic financial literacy, religiosity, and government support on public interest in using Islamic banking products in Gresik Regency. This study employs a quantitative approach and uses purposive non-probability sampling based on the following criteria: residents of Gresik Regency; at least 20 years of age; and Muslim. Primsary data were collected using a closed-ended questionnaire administered through Google Forms to 100 respondents. Data analysis was performed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method with SmartPLS 4 software. The results of the partial analysis indicate that Islamic Financial Literacy (X2), Religiosity (X3), and Government Support (X4) have positive and significant effects on public interest (Y) in using Islamic banking products. Meanwhile, the Social Environment variable (X1) has a positive but insignificant effect on the Interest (Y) of the people of Gresik Regency in using Islamic banking products.