<![CDATA[Abstract: This study investigates the association of Islamic financial literacy and religiosity with students’ intention to save at Islamic banks in Pekalongan City and Regency. Survey responses from 150 university students were examined using multiple linear regression. Instrument consistency and regression assumptions were assessed before hypothesis testing. Both Islamic financial literacy (B = 0.386; p < 0.001) and religiosity (B = 0.280; p < 0.001) showed positive associations with saving intention. The overall regression was significant (F = 19.197; p < 0.001) and accounted for 20.7% of the observed variation. These findings add local empirical evidence that financial understanding and religious orientation are relevant to students’ banking preferences, while most variation in saving intention remains outside the two-predictor model. Keyword: islamic financial literacy; religiosity; saving intention; islamic banking; university students. Abstrak: Penelitian ini menguji keterkaitan literasi keuangan syariah dan religiusitas dengan minat mahasiswa untuk menabung di bank syariah di Kota dan Kabupaten Pekalongan. Data survei dari 150 mahasiswa dianalisis melalui regresi linear berganda setelah pemeriksaan kualitas instrumen dan asumsi model. Literasi keuangan syariah menunjukkan koefisien positif (B = 0,386; p < 0,001), demikian pula religiusitas (B = 0,280; p < 0,001). Model secara keseluruhan signifikan (F = 19,197; p < 0,001) dan menjelaskan 20,7% keragaman minat menabung. Temuan ini memperluas bukti empiris lokal bahwa pemahaman keuangan dan orientasi keagamaan berkaitan dengan preferensi tabungan mahasiswa, meskipun sebagian besar variasi minat masih berada di luar cakupan kedua prediktor. Kata kunci: literasi keuangan syariah; religiusitas; minat menabung; bank syariah; mahasiswa.]]>
Copyrights © 2026
