The Influence of Sharia Financial Literacy, Service Quality and Trust on Savings Decision at Sharia Bank

Indah Dewi Maharany, Alina Fuadiya, Arvia Adiratna, Novita Novita

Abstract

Currently, sharia finance is growing rapidly with the increase in sharia financial institutions offering financial products and services based on Islamic law. However, low knowledge of sharia finance will affect the use and utilization of sharia financial services. The company realizes the importance of service quality in the sales activities of the products and services offered. By building a sense of trust between the bank and the customer, it will be possible to establish a strong relationship in a banking business. If customers have a sense of trust and satisfaction with a company's services, it means they have high confidence so they are able to make the right decisions. The sampling method in this research uses the Purposive Sampling method which is used to collect quantitative data from research studies. The objective of this study is to determine the influence of sharia financial literacy, trust and service quality on the decision to open an account at a sharia bank for IAIN Kudus students. The data collection technique is by conducting a questionnaire on a sample of 200 respondents using the Lemshow method calculation. The research results show that sharia financial literacy, trust and service quality have a positive and significant effect on the decision to open a sharia bank account for IAIN Kudus students.

Keywords

Islamic financial literacy, service quality, trust, decision.

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DOI: http://dx.doi.org/10.21043/malia.v8i2.27728