Identifikasi Minat Memilih Produk Bank Syariah Melalui Peran Gaya Hidup, Religiusitas Dan Literasi Keuangan Syariah

Abstract

ABSTRACK: Islamic financial institutions have developed quite rapidly, but in their development they have difficulty in finding customers, because not all know the meaning of Islamic banks and there are factors that influence it which results in the number of customers being smaller than conventional banks. So it is necessary to have financial literacy that must be improved in the community and understand consumer behavior. This study aims to determine the effect of lifestyle, religiosity and Islamic financial literacy on interest in choosing Islamic bank products. The number of samples taken as many as 82 respondents, the data collection technique used the questionnaire method. Data analysis technique with multiple linear regression. The results showed that: 1) Lifestyle variable (X1) partially had no effect on interest in choosing Islamic bank products. 2) The religiosity variable (X2) partially affects the interest in choosing Islamic bank products. 3) The Islamic financial literacy variable (X3) partially affects the interest in choosing Islamic bank products. 4) The variables of lifestyle, religiosity and Islamic financial literacy simultaneously affect the interest in choosing Islamic bank products .