Email this article 
(Sekolah Tinggi Ilmu Ekonomi Bina Karya Tebing Tinggi, Indonesia)(2) Ahmad Qorib
(Universitas Islam Negeri Sumatera Utara, Indonesia)(3) Saparuddin Siregar
(Universitas Islam Negeri Sumatera Utara, Indonesia)(4) Lenny Menara Sari Saragih
(Universitas Islam Negeri Sumatera Utara, Indonesia)*corresponding author
AbstractPurpose– The research’s aims to determine the relationship between Islamic financial literacy and customer decisions in choosing Islamic Bank  with trust as an intervening variable. Methodology – This is a quantitative research. The data were collected using questionnaire that was distributed to customers and also digged out a variety of good information from articles, journals, books and various other literature sourced from the internet. The The quantity of respondents in this research were 100 people with data analysis techniques using variance-based SEM with Smart Pls 3.0 software.  Findings– This research’s reult that the four proposed research hypotheses were accepted, meaning that there was a positive and significant influence from the Islamic financial literacy variable to trust as well as to the decision to choose, trust also had a significant relationship to the decision to choose and the indirect relationship between Islamic financial literacy to the decision to choose through trust. also had a significant relationship. ÂOriginality– This study uses Smart Pls in data processing and this research can contribute to Islamic banks in determining factors that can improve customer decisions so that the number of customers is increasing, assets are increasing and the development of Islamic banks is more advanced. KeywordsIslamic financial lieracy, trust, customer decisions
|
DOIhttps://doi.org/10.29099/ijair.v7i2.1026 |
Article metrics10.29099/ijair.v7i2.1026 Abstract views : 433 | PDF views : 74 |
Cite |
Full Text Download
|
References
Albaity, M.,& Rahman, M. (2019). The intention to use Islamic banking: an exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets, 14(5), 988-1012. DOI:10.1108/IJOEM-05-2018-0218
AteÅŸ, S., CoÅŸkun, A., Åžahin, M. A., & Demircan, M. L. (2016). Impact of Financial Literacy on the Behavioral Biases of Individual Stock Investors: Evidence from Borsa Istanbul. Business & Economics Research Journal, 7(3). DOI:10.20409/berj.2016321805
Dimitriadis, S., Kouremenos, A. and Kyrezis, N. (2011). Trustâ€based segmentation: Preliminary evidence from technologyâ€enabled bank channels", International Journal of Bank Marketing, Vol. 29 No. 1, pp. 5-31. https://doi.org/10.1108/02652321111101356
Falevy, M.,I, Suryani, Priyatno, P.D. (2022). Pengaruh literasi keuangan syariah, religiusitas dan persepsi mahasiswa jabodetabek terhadap keputusan menggunakan layanan perbankan syariah. AN-NISBAH Jurnal Perbankan syariah. Volume 3, Nomor 1 / Januari P-ISSN 2721-9615 / E-ISSN 2721-9623. DOI: https://doi.org/10.51339/nisbah.v3i1.345
Ghozali, Imam 2014. Structural Equation Modeling, Metode alternatif dengan Partial Least Squares ( PLS ). Universitas Diponegoro, Semarang
Handida, Rahmawati Deylla & Maimun Sholeh. Pengaruh.(2018) Tingkat Pengetahuan, Kualitas Layanan, Dan Tingkat Literasi Keuangan Syariah Terhadap Pengambilan Keputusan Masyarakat Muslim Menggunakan Produk Perbankan Syariah Di Daerah Istimewa Yogyakarta. Jurnal Economia, Volume 14, Nomor 1, April. https://journal.uny.ac.id/index.php/jep/article/view/23743/pdf
Hardius Usman, Prijono Tjiptoherijanto, Tengku Ezni Balqiah, I Gusti Ngurah Agung. (2017). The role of religious norms, trust, importance of attributes, and information sources in the relationship between religiosity and selection of the Islamic bank. Journal of Islamic Marketing, Vol. 8 Issue: 2, doi: 10.1108/JIMA-01-2015-0004. http://dx.doi.org/10.1108/JIMA-01-2015-0004
Hidayat, Rachmad & sabarudin akhmad. The Influence Of Service Quality, Religious Commitment And Trust On The Customers’ Satisfaction And Loyalty And Decision To Do The Transaction In Mandiri Sharia Bank Of Jawa Timur. Al-ulum. Volume 15 number 1 june 2015 Page 57- 90. http://journal.iaingorontalo.ac.id/index.php/au
J. Paul Peter dan Jerry C. Olson, Consumer Behavior: Perilaku Konsumen dan Strategi Pemasaran, Alih Bahasa: Damos Sihombing,(Jakarta: Erlangga,1994),Ed. 4, Cet Ke-1
Mochlasin.(2018). Consumer Behavior Perbankan Syariah, Peran Fatwa Haram Bunga Bank terhadap Faktor-faktor yang Mempengaruhi Keinginan Nasabah, Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) IAIN Salatiga. ISBN : 978-602-5916-21-2
Moez LTIFI Lubica Hikkerova Boualem ALIOUAT Jameleddine GHARBI.(2016).The determinants of the choice of Islamic banks in Tunisia. International Journal of Bank Marketing. Vol. 34 Iss 5 pp. – http://dx.doi.org/10.1108/IJBM-11-2014-0170
Munajim, Ahmad.(2020) Pengaruh Tingkat Literasi Keuangan Terhadap Kepercayaan Pada Produk Perbankan Syariah, Syntax Idea, Vol. 2, No. 1 Januari .p.9 DOI: 10.36418/syntax-idea.v2i1.119
Muslichah, I. & Sanusi, S. (2019). The effect of religiosity and financial literacy on intention to use Islamic banking products. Asian Journal of Islamic Management, 1(2), 85-92. DOI: 10.1108/AJIM.vol1.iss2.Part2
Purnomo M. Antara et al. (2016) Bridging islamic financial literacy and halal literacy: the way forward in halal ecosystem .Procedia Economics And Finance 37.196-202. DOI:10.1016/S2212-5671(16)30113-7
Rahim, S. H. A., Rashid, R. A., & Hamed, A. B. (2016). Islamic Financial Literacy and its Determinants Among University Students: An Exploratory Factor Analysis. Journal of Economics and Financial Issues, 6(S7) 32-35. https://www.econjournals.com/index.php/ijefi/article/view/3572/pdf
Rinaldi, A & Devi, Y.(2022).Pengaruh Literasi Keuangan Syariah Terhadap Kepercayaan Muzaki Pada Lembaga Pengelola Zakat Dengan Akuntabilitas Dan Transparansi Sebagai Variabel Intervening ( Studi Pada Masyarakat Muslim Di Propinsi Lampung), Al Mal: Jurnal Akuntans dan Keuangan Islam , Vol. 3 no.1 https://doi.org/10.24042/al-mal.v3i1.11428
Sumarwan, Ujang. (2011). Perilaku Konsumen Teori dan Penerapannya dalam Pemasaran, (Bogor: Ghalia Indonesia.
Trianto, B., Rahmayati., Yuliaty, T., & Sabiu, T. T. (2021). Determinant factor of Islamic financial inclusiveness at MSMEs: Evidence from Pekanbaru, Indonesia. Jurnal Ekonomi dan Keuangan Islam, 7(2), 105-122. https://doi.org/10.20885/JEKI.vol7.is s2.art1
Wijanarko, A., & Rachmawati, L. (2020). Pengaruh Literasi Keuangan Syariah, Islamic Branding, Dan Religiusitas Terhadap Keputusan Mahasiswa Dalam Memilih Layanan Keuangan Syariah. Jurnal Ekonomika dan Bisnis Islam, 3(1), 104–116. https://journal.unesa.ac.id/index.php/jei
Zainal, V., R., Djaelani, F., Basalamah, S., Yusran, H., L., Veithzal, .,P. (2018). Islamic Marketing Manajement. Jakarta: Bumi Aksara
Zaman, Z., Mehmood, B., Aftab R., Siddique, M.S., & Ameen, Y. (2017). Role of Islamic Financial Literacy in the Adoption of Islamic Banking Services: An Empirical Evidence from Lahore, Pakistan, Journal of Islamic Business and Management. 7(2), 230-247. https://doi.org/10.26501/jibm/2017.0702-006
https://ojk.go.id/id/berita-dan kegiatan/publikasi/Documents/Pages/-Snapshot-Perbankan-Syariah-Indonesia-September 2020/Snapshot%20Perbankan%20Syariah%20Indonesia%20September%202020.pdf d
https://sumut.bps.go.id/statictable/2020/06/05/1766/jumlah-penduduk menurut-kelompok-umur-dan-jenis-kelamin-2019.html 16.46
https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/-Snapshot-Perbankan-Syariah-Indonesia-September-2020/Snapshot%20Perbankan%20Syariah%20Indonesia%20September%202020.pdf
https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-2019.aspx
https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-2019.aspx
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
________________________________________________________
The International Journal of Artificial Intelligence Research
Organized by: Departemen Teknik Informatika
Published by: STMIK Dharma Wacana
Jl. Kenanga No.03 Mulyojati 16C Metro Barat Kota Metro Lampung
Email: jurnal.ijair@gmail.com
This work is licensed under Creative Commons Attribution-ShareAlike 4.0 International License.