Melola Discovery

← Melola Discovery

Akses terbuka Jurnal

FACTORS DETERMINING THE DECISION TO USE SHARIA FINANCIAL PRODUCTS IN THE DIGITAL ERA

Jurnal Ilmiah Ilmu Terapan Universitas Jambi · Vol. 10 No. 3 (2026) · hlm. 1335–1351

DOI
10.22437/jiituj.v10i3.54795
ISSN
2580-2259, 2580-2240
Terbit
2026-06-29
Penerbit
LPPM Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study examines the impact of Islamic financial literacy, sharia compliance, returns, customer risk profiles, digitalization and social factors, and religiosity on the decision to use Islamic financial products in Islamic banking. This study employed a quantitative methodology, including a sample of 302 productive-age respondents with bank accounts in DKI Jakarta. Data analysis was conducted using multiple regression with SmartPLS. The results show that Islamic financial literacy, customer risk profiles, digitalization and social factors, and religiosity have a positive influence on the decision to use Islamic financial products. Conversely, sharia compliance and returns do not have a significant effect. These findings theoretically enhance the literature on consumer behavior and Islamic finance by illustrating that value-based elements, especially religiosity, exert a more significant influence than economic concerns in the decision to utilize Islamic financial products. The research findings suggest that Islamic banking, regulators, educational institutions, and religious organizations should collaborate to enhance Islamic financial literacy programs, expedite the transition to digital services, and formulate marketing strategies that highlight Islamic values and religiosity to promote the adoption of Islamic financial products. This study develops a model that includes financial, behavioral, technological, and religiosity characteristics to elucidate the decision to utilize Islamic financial products, contrasting with previous research that predominantly emphasized economic considerations. This study illustrates that religiosity exerts a more significant impact than financial returns and views of Islamic compliance, offering a novel viewpoint on value-driven decision-making within the Islamic banking sector.

Kata kunci

Jaringan kolaborasi para penulis

13 penulis · 22 tautan kepenulisan bersama

Arahkan kursor atau ketuk sebuah nama untuk menyorot rekan penulisnya. Klik dua kali untuk membuka halaman penulis.

  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Rita Yuni MulyantiAfiliasi tidak diketahui2
Rama YuliAfiliasi tidak diketahui2
Suhana SuhanaAfiliasi tidak diketahui1
Ahmad DardaAfiliasi tidak diketahui1
Ainur AbdrazakovaAfiliasi tidak diketahui1
Diananto KrisnandonoAfiliasi tidak diketahui1
Heri SyafardiAfiliasi tidak diketahui1
Heri IspriyahadiAfiliasi tidak diketahui1
Mohamad LutfiAfiliasi tidak diketahui1
Farhan FarhanAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JIITUJ/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 5 Nov 2026.
Metadata asli (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">FACTORS DETERMINING THE DECISION TO USE SHARIA FINANCIAL PRODUCTS IN THE DIGITAL ERA</dc:title>
	<dc:creator xml:lang="en">Febriyanthi, Hesty</dc:creator>
	<dc:creator xml:lang="en">Wati, Lela Nurlaela</dc:creator>
	<dc:creator xml:lang="en">Soma, Abdul Mukti</dc:creator>
	<dc:subject xml:lang="en">Digitalization</dc:subject>
	<dc:subject xml:lang="en">Financial Product Adoption</dc:subject>
	<dc:subject xml:lang="en">Islamic Financial Literacy</dc:subject>
	<dc:subject xml:lang="en">Religiosity</dc:subject>
	<dc:subject xml:lang="en">Risk Profile</dc:subject>
	<dc:description xml:lang="en">This study examines the impact of Islamic financial literacy, sharia compliance, returns, customer risk profiles, digitalization and social factors, and religiosity on the decision to use Islamic financial products in Islamic banking. This study employed a quantitative methodology, including a sample of 302 productive-age respondents with bank accounts in DKI Jakarta. Data analysis was conducted using multiple regression with SmartPLS. The results show that Islamic financial literacy, customer risk profiles, digitalization and social factors, and religiosity have a positive influence on the decision to use Islamic financial products. Conversely, sharia compliance and returns do not have a significant effect. These findings theoretically enhance the literature on consumer behavior and Islamic finance by illustrating that value-based elements, especially religiosity, exert a more significant influence than economic concerns in the decision to utilize Islamic financial products. The research findings suggest that Islamic banking, regulators, educational institutions, and religious organizations should collaborate to enhance Islamic financial literacy programs, expedite the transition to digital services, and formulate marketing strategies that highlight Islamic values and religiosity to promote the adoption of Islamic financial products. This study develops a model that includes financial, behavioral, technological, and religiosity characteristics to elucidate the decision to utilize Islamic financial products, contrasting with previous research that predominantly emphasized economic considerations. This study illustrates that religiosity exerts a more significant impact than financial returns and views of Islamic compliance, offering a novel viewpoint on value-driven decision-making within the Islamic banking sector.</dc:description>
	<dc:publisher xml:lang="en">LPPM Universitas Jambi</dc:publisher>
	<dc:date>2026-06-29</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JIITUJ/article/view/54795</dc:identifier>
	<dc:identifier>10.22437/jiituj.v10i3.54795</dc:identifier>
	<dc:source xml:lang="en">Jurnal Ilmiah Ilmu Terapan Universitas Jambi; Vol. 10 No. 3 (2026): Volume 10, Nomor 3, June 2026; 1335-1351</dc:source>
	<dc:source>2580-2259</dc:source>
	<dc:source>2580-2240</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JIITUJ/article/view/54795/24642</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Hesty Febriyanthi, Lela Nurlaela Wati, Abdul Mukti Soma</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>