PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS, DAN KETERJANGKAUAN AKSES LAYANAN TERHADAP MINAT MASYARAKAT DALAM MENGGUNAKAN PRODUK KEUANGAN SYARIAH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN GUNUNGKIDUL

Lusy Islamiyai, NIM.: 22108030094 (2026) PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS, DAN KETERJANGKAUAN AKSES LAYANAN TERHADAP MINAT MASYARAKAT DALAM MENGGUNAKAN PRODUK KEUANGAN SYARIAH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN GUNUNGKIDUL. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

	Text (PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS, DAN KETERJANGKAUAN AKSES LAYANAN TERHADAP MINAT MASYARAKAT DALAM MENGGUNAKAN PRODUK KEUANGAN SYARIAH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN GUNUNGKIDUL) 22108030094_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version Download (8MB)
	Text (PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS, DAN KETERJANGKAUAN AKSES LAYANAN TERHADAP MINAT MASYARAKAT DALAM MENGGUNAKAN PRODUK KEUANGAN SYARIAH PADA LEMBAGA KEUANGAN SYARIAH DI KABUPATEN GUNUNGKIDUL) 22108030094_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (10MB) | Request a copy

Abstract

Low public interest in using Islamic financial products is a problem in various regions, including Gunungkidul Regency, despite the majority of the population being Muslim and the availability of various Islamic financial institutions such as KSPPS/BMT, BPRS, and KJKS. This situation indicates a gap between the potential for Islamic financial development and the level of public interest, which is suspected to be influenced by factors such as Islamic financial literacy, religiosity, and accessibility to services, particularly in rural areas. The purpose of this study is to analyze the influence of Islamic financial literacy, religiosity, and accessibility to services on public interest in using Islamic financial products at Islamic financial institutions in Gunungkidul Regency. This study used a quantitative approach by distributing questionnaires to current and potential users of Islamic financial products. Sampling was conducted using purposive sampling. Data were analyzed using multiple linear regression analysis, which was first tested for validity, reliability, and classical assumptions. The final results of this study indicate that the three variables of Islamic financial literacy (X1), religiosity (X2), and accessibility of services (X3) partially and simultaneously have a positive and significant effect on public interest in using Islamic financial products at Islamic financial institutions in Gunungkidul Regency. This finding confirms that increased Islamic financial literacy, strong religiosity, and ease of access to services play a significant role in encouraging people to use Islamic financial products, particularly in rural areas.

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