Pengaruh Literasi Keuangan Syariah dan Persepsi terhadap Minat Menggunakan Produk Bank Syariah
Kata Kunci:
Sharia Financial Literacy, Perception, Intention to Use, Sharia Bank, Ciamis Regency CommunityAbstrak
This study is motivated by the importance of public understanding and positive perception of Islamic banking as a primary driver in enhancing regional Islamic financial inclusion. This study aims to examine and analyze the influence of Sharia Financial Literacy and Perception both individually and simultaneously on the Intention to Use Sharia Bank Products among the community in Ciamis Regency. A quantitative research method was employed using an explanatory design through multiple linear regression analysis, based on primary data collected via structured interviews using a saturated sampling technique involving 100 productive-age respondents in Ciamis Regency. The results indicate that, partially, sharia financial literacy has a positive and significant effect on the intention to use sharia bank products, and perception also has a positive and significant effect on the intention to use sharia bank products. Furthermore, these two variables collectively (simultaneously) explain 72.7% of the variation in public intention levels. The study concludes that enhancing sharia financial literacy supported by positive and transparent perceptions will significantly boost public interest in choosing and utilizing Islamic banking products.
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