Why is the Decision to Choose Sharia banking Low? Reading Role in Influencing Student Interest

Ilahi, Yuwan Ferdiana, Abidin, Munirul and Suprayitno, Eko ORCID: https://orcid.org/0000-0002-5289-3918 (2025) Why is the Decision to Choose Sharia banking Low? Reading Role in Influencing Student Interest. Jurnal Ilmiah Gema Perencana, 4 (2). pp. 817-846. ISSN 2962-1860

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Abstract

Even though Indonesia is home to the largest number of Muslims worldwide, the number of people who use Islamic banking services is still somewhat lower than that of conventional banks. The purpose of this study is to identify the factors that make student less inclined to choose a syariah bank. This study examines how the environment and perceptions affect confidence and adherence to using a syariah bank by using a quantitative deskriptif method and through SmartPLS analysis. The analysis's findings indicate that the environment has a significant impact on perception, with a koefisien of 0.185 (p < 0,001). Perception also has a positive impact on interest, with a coefficient of 0.417% (p < 0,001). Perception, however, does not indicate a significant impact on decision, with a koefisien of 0.138 (p = 0,074). In addition, interest provenhas a significant impact on decision, with a coefficient of 0.709 (p < 0,001). This finding indicates that perception mediates the influence of the environment on interest, Thestudent's final decision is imperceptibly affected by their interest regarding syariah bank products. The results indicate that there are significant effects of the environment on perception, with perceptions influencing the relationship between the environment and interest. However, Perception does not indicate a significant impact on decision, indicating that there is a lack of agreement between interest and nyata. All of this provides a strategic plan to help syariah banks increase their positive creditand turn their interest into a nyata decision. Even though Perception can help with decision making, Perception itself cannot always help with decision when using a syariah bank. The following research can observe and provide information about the transactions between syariah and conventional banks in a quiet manner.

Item Type:	Journal Article
Keywords:	Decision;Environment;Interest;Islamic BankPerception;
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
Divisions:	Graduate Schools > Magister Programme > Graduate School of Islamic Economics
Depositing User:	Eko Suprayitno
Date Deposited:	13 Jul 2026 09:21

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