Romi Syahrido, Ade (2023) Pengaruh Literasi Keuangan Syariah Dan Syariah Governance Terhadap Keputusan Mahasiswa Dalam Menggunakan Jasa Perbankan Syariah (studi Kasus Himes Fai Uir). Other thesis, universitas islam riau.

Text 152310150.pdf - Submitted Version Restricted to Registered users only Download (1MB) | Request a copy

Abstract

This research is motivated by public doubts about sharia compliance by Islamic banks. Complaints that often arise are aspects of compliance with sharia principles (shariah compliance). One of the important pillars in the development of Islamic banks is shariah compliance. This pillar is the main differentiator between Islamic banks and conventional banks. The main points of research by Bank Indonesia state that some customers who use Islamic bank services have a tendency to stop being customers partly because of doubts about the consistency of the application of sharia principles. The Bank's compliance and conformity with sharia principles are often questioned by customers. The objectives were carried out to find out 1) Does Islamic financial literacy affect people's decisions in using Islamic banking services in Pekanbaru?; 2) Does sharia governance affect people's decisions in using sharia banking services in Pekanbaru? ; 3) Does sharia financial literacy and sharia governance affect people's decisions in using sharia banking services in Pekanbaru simultaneously. This research is a type of quantitative research with multiple regression methods. Data collection techniques using 1) Questionnaire 2) observation and 3) documentation. While data processing techniques are carried out through three stages, namely 1) Editing, 2) Coding, and 3) Tabulating. The results of this study indicate that 1) The results of this study also indicate that the Islamic Financial Literacy variable significantly has a positive effect on the level of community decisions in using Islamic banking services. This is evidenced by the T test obtained showing that the value of t count > t table where 3.266 > 1.96654. 2) The results of this study indicate that the Shariah Governance variable has a significant positive effect on the level of people's decision to use Islamic banking services. This is evidenced by the T test obtained showing that the value of t count > t table where (9.610 > 1.96654). 3) The results of the study show that Islamic Financial Literacy and Shariah Governance have a significant positive effect on Public Decisions in Using Islamic Banking Services. This is because the F test obtained the value of F count > F table (116,550 > 3,020). Islamic Financial Literacy, Shariah Governance, Islamic Banking

Actions (login required)

View Item