Analisis Pengaruh Literasi Keuangan Syariah, Religiusitas, Dan Sharia Compliance Terhadap Keputusan Masyarakat Bangkalan Dalam Menggunakan Jasa Perbankan Syariah

Abstract

The research used in this study is a type of quantitative research. The purpose of this study was to determine whether Islamic financial literacy, religiosity and syaria compliance with Bangkalan people's decisions in using Islamic banking services. The method used in data collection is done with offline and online questionnaires on Google From. The results of this study that the sample taken as many as 158 respondents using isaac and micheal tables. The data is then processed using SPSS version 16. This analysis includes Normality Test, Multicollinearity Test, Heteroscedasticity Test, Multiple Regression Test, Coefficient of Determination Test (R2), Statistical Test Through Test and Ftes Test. The results of the Ftes test show that Islamic financial literacy, religiosity and sharia compliance simultaneously significantly influence the Bangkalan community's decision to use Islamic banking services by 78% and the remaining 22% which is influenced by other variables. The TT test shows that Islamic financial literacy has no effect on people's decisions to use Islamic banking services, religiosity and sharia compliance partially have a significant effect on people's decisions in using Islamic banking services.

Keywords: Islamic Financial Literacy, Religiosity, Syaria Compliance.