Religiosity and Islamic Financial Literacy in Gen-Z’s Islamic Bank Saving
DOI:
https://doi.org/10.32897/techno.2025.18.1.4033Keywords:
Religiosity, Sharia Financial Literacy, GenZ, Consumer BehaviourAbstract
The research aims to determine the influence of religiosity and Sharia financial literacy on the interest of Gen Z students of the University of Muhammadiyah Yogyakarta in saving in Sharia banks. The population of this study were students at the University of Muhammadiyah Yogyakarta at Strata 1 level who belong to the Generation Z or Gen Z category, were Muslim and had not saved in a Sharia bank. The research method used quantitative methods. Data analysis was carried out using SPSS version 24 software tools. The results obtained in this study showed that religiosity had a positive and significant effect on Gen Z's interest in saving in Sharia banks whereas Sharia financial literacy had a positive and significant effect on Gen Z's interest in saving in Sharia banks. Further, religiosity and Sharia financial literacy simultaneously influence Gen Z's interest in saving in Sharia banks.
References
Yuningsih M AA, Putri RE, Jubba H. Implikasi Sertifikasi Halal terhadap Perkembangan Industri Halal di Indonesia. Al-Tijary. 2023;8(2):155–69.
Sugiarti D. Literasi Keuangan Syariah Generasi Z dan Minatnya pada Perbankan Syariah (Studi Kasus pada Siswa SMK di Jakarta). Jurnal Ilmiah Ekonomi Islam. 2023;9(01):766–72.
BPS. Agama di Indonesia, 2024 [Internet]. 2024 [cited 2024 Nov 20]. Available from: https://samarindakota.bps.go.id/id/statistics-table/1/MzI0IzE=/agama-di-indonesia-2024.html
Fauzi A, Murniawaty I. Pengaruh Religiusitas dan Literasi Keuangan Syariah Mahasiswa terhadap Minat Menjadi Nasabah di Bank Syariah. EEAJ Economic Education Analysis Journal. 2020;9(2):473–86.
Salim F, Arif S, Devi A. Pengaruh Literasi Keuangan Syariah, Islamic Branding, dan Religiusitas terhadap Keputusan Mahasiswa Dalam Menggunakan Jasa Perbankan Syariah. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam. 2021;5(2):226–44.
Rudi Haryono. Pengaruh Pengetahuan, Religiusitas dan Kepercayaan Terhadap Minat Menabung di Bank Syariah. Journal of Comprehensive Islamic Studies. 2022;1(1):133–56.
KEVSER M, DOĞAN M. Islamic Financial Literacy and Its Determinants: A Field Study on Turkey. Journal Transition Studies Review. 2021 Feb 9;28(1):91–120.
Majeed MT, Zainab A. A comparative analysis of financial performance of Islamic banks vis-à-vis conventional banks: evidence from Pakistan. IJIF. 2021 Dec 17;13(3):331–46.
Azizon A, Kasri RA, Indraswari KD, Jatmiko W. Beyond-money framing and customer decision to patronise Islamic banking: an experimental study. JIMA. 2024 Nov 18;15(10):2528–48.
Yeni F, Mulyani SR, Susriyanti S. Islamic financial literacy, spiritual intelligence, public perception and behaviour on public interest in Islamic banking services. Cogent Economics & Finance. 2023 Dec 31;11(1):2175470.
Dagnachew TG, Mawugatie TW. The analysis of financial inclusion and its determinants in the rural area of south Wollo zone, Amhara Region, Ethiopia. Cogent Economics & Finance. 2022 Dec 31;10(1):2146298.
Mujiatun S, Trianto B, Cahyono EF, Rahmayati. The Impact of Marketing Communication and Islamic Financial Literacy on Islamic Financial Inclusion and MSMEs Performance: Evidence from Halal Tourism in Indonesia. Sustainability. 2023 Jun 21;15(13):9868.
Abbas A, Triani N, Rayyani WO, Muchran M. Earnings growth, marketability and the role of Islamic financial literacy and inclusion in Indonesia. JIABR. 2023 Oct 27;14(7):1088–105.
Abiodun Oladapo I. Financial literacy in Saudi Arabian MSMES: Insights from Islamic banks’ customers. Investment Management and Financial Innovations. 2024 Oct 3;21(4):25–34.
Abdullah MdF, Hoque MN, Rahman MdH, Said J. Can Islamic Financial Literacy Minimize Bankruptcy Among the Muslims? An Exploratory Study in Malaysia. Sage Open. 2022 Oct;12(4):21582440221134898.
Dharma Y, Puteh A, Widodo R, Alfaqih L, Yahya A. The Influence of Financial Literacy and Islamic Business Ethics on Investment in Islamic Financial Instruments: The Mediating Role of Risk Attitude and the Moderating Role of Religious Knowledge. JoE. 2024 Nov 12;3(8):264–82.
Dinc Y, Çetin M, Jahangir R. Revisiting the concept of Islamic financial literacy in a boundaryless context: cross-country comparison of Islamic financial literacy. JIABR. 2023 Nov 22;14(8):1364–82.
Dinc Y, Çetin M, Bulut M, Jahangir R. Islamic financial literacy scale: an amendment in the sphere of contemporary financial literacy. IJIF. 2021 Sep 30;13(2):251–63.
Firdiana E, Fikriyah K. Pengaruh Literasi Ekonomi Syariah terhadap Minat Mahasiswa Menabung di Bank Syariah. Jurnal Ekonomika dan Bisnis Islam. 2021;4(1):99–109.
Suparno D, Tjahjawulan I, Martodiryo S, Anshary AH, Mulyono M, Badrian B, et al. The influence of financial literacy, digital literacy, digital marketing, brand image and word of mouth on the z generation’s interest in Islamic banks. 105267/j.ijdns. 2023;7(4):1975–82.
Trisanty A, Haryanto B, Sugiarto C, Wahyudi L. Testing the role of skepticism in Islamic banks: evidence from Indonesia. Cogent Business & Management. 2024 Dec 31;11(1):2364842.
Alharbi RK, Yahya S, Ramadani V. Financial literacy, access to finance, SMEs performance and Islamic religiosity: evidence from Saudi Arabia. IJESB. 2022;46(2):259.
Pala F, Erdoğdu A, Ali M, Alnori F, Barut A. Analyzing the linkage between Islamic financial literacy and Islamic banking services adoption: evidence from Turkey. JIABR. 2024 May 28;15(5):784–817.
Safitri FA, Diana N, Alrasyid H. Pengaruh Religiusitas dan Literasi Keuangan Syariah Terhadap Minat Masyarakat Menabung di Lembaga Keuangan Syariah (Study Kasus Masyarakat Desa …. El-Aswaq: Islamic Economics and …. 2022;1–14.
Adriansyah LR, As-Salafiyah A. Mataram mosques management: intention to place mosque funds in Islamic banks. JIABR [Internet]. 2023 Nov 3 [cited 2025 Jan 24]; Available from: https://www.emerald.com/insight/content/doi/10.1108/JIABR-12-2022-0330/full/html
Ilham DM, Afifudin A, Sari AFK. Analisis Pengaruh Literasi Keuangan Syariah Dan Religiusitas Pada Minat Menabung Di Bank Syariah (Studi Kasus Mahasiswa Feb Perbankan Syariah Universitas Islam Malang). El-Aswaq: Islamic Economics and Finance Journal. 2022;3(2):98–108.
Musyaffa H, Iqbal M. Pengaruh Religiusitas, Kualitas Layanan, dan Promosi Terhadap Minat Menabung di Bank Syariah. Perbanas Journal of Islamic Economics and Business. 2022;2(2):167.
OJK, BPS. Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024 [Internet]. Jakarta: Otoritas Jasa Keuangan; 2024 [cited 2024 Nov 17]. Available from: https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-(SNLIK)-2024.aspx
Ilfita K, Canggih C. the Influence of Sharia Financial Literacy, Religiosity, and Perception of Saving Students’ Interest in Sharia Banks. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE). 2021;3(2):113–34.
Apau R, Koranteng FN. Impact of cybercrime and trust on the use of e-commerce technologies: An application of the theory of planned behavior. International Journal of Cyber Criminology. 2019;13(2):228–54.
Munir H, Jianfeng C, Ramzan S. Personality traits and theory of planned behavior comparison of entrepreneurial intentions between an emerging economy and a developing country. International Journal of Entrepreneurial Behaviour and Research. 2019;25(3):554–80.
Amelia RW, Sulistyowatie SL. Analisis Theory of Planned Behavior Terhadap Niat Berwirausaha Mahasiswa Universitas Widya Dharma Klaten. Jurnal Akuntansi. 2022;14(1):35–44.
Puspitasari VE, Yetty F, Nugraheni S. Pengaruh Literasi Keuangan Syariah, Persepsi Imbal Hasil, dan Motivasi terhadap Minat Investasi di Pasar Modal Syariah. Journal of Islamic Economics and Finance Studies. 2021;2(2):122.
Mardiana E, Thamrin H, Nuraini P. Analisis Religiusitas Terhadap Minat Menabung Di Bank Syariah Kota Pekanbaru. Jurnal Tabarru’: Islamic Banking and Finance. 2021;4(2):512–20.
Wekke IS. Metode Penelitian Sosial. Bandung. 2020. 125 p.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 TECHNO-SOCIO EKONOMIKA
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
.jpg){kind=logo}
