The Effect of Financial Literacy and Service Quality on Preferences for Islamic Banks Through Interest as an Intervening Variable

Authors

  • Asih Handayani Universita Islam Negeri Sunan Kudus, Indonesia
  • Kharis Fadlullah Hana Universita Islam Negeri Sunan Kudus, Indonesia

DOI:

https://doi.org/10.21580/al-arbah.2025.7.2.26717

Abstract

Purpose - This study aims to determine the effect of Islamic financial literacy on financial behavior on student decisions to use Islamic banking products, with interest as an intervening variable.

Method - This research uses a quantitative approach with the type of causality associative research, the data used is primary type with primary data obtained through distributing a 5-point Likert scale questionnaire to each respondent.

Result - The results of this study found that financial literacy and service quality on usage decisions with student interest as an intervening variable had an insignificant effect. Student interest is also proven not to mediate the relationship between the two independent variables and usage decisions.

Implication - This research involved active students of the Institut Agama Islam Negeri Kudus, Faculty of Islamic Business Economics, batch 2022-2024.

Originality - These findings provide a basis for Islamic banking to improve education and services to encourage customer interest and loyalty, and enrich literature studies in the field of Islamic finance.

Keywords:                     Literacy, Services, Interest, Decision, BSI

Downloads

Download data is not yet available.

Downloads

Published

2025-06-13

Issue

Vol. 7 No. 2 (2025)

Section

Articles

License

Copyright (c) 2025 Asih Handayani, Kharis Fadlullah Hana

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 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.

Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.

Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

Licensing

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.