DETERMINAN PERILAKU KEUANGAN NASABAH BANK SYARIAH DALAM PERSEPKTIF RELIGIUSITAS

Ali Mutaufiq, NIM.: 22303012021 (2026) DETERMINAN PERILAKU KEUANGAN NASABAH BANK SYARIAH DALAM PERSEPKTIF RELIGIUSITAS. Doctoral thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

This study aims to analyze the determinants of Financial behavior among Islamic bank customers by integrating religiosity as a moderating variable. The primary focus of the research is to evaluate the influence of perceived maslahah (public interest), customer attitude, and trust on Financial behavior within the Islamic banking ecosystem in the Greater Jakarta area (Jabodetabek). The phenomenon of low financial literacy and the prevailing public perception that Islamic banks are identical to conventional banks serve as the critical background for examining customers' internal cognitive and affective factors. The research method employed is a quantitative method using statistical analysis tools the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, processed via SmartPLS Software. Data were collected through questionnaires distributed to Islamic bank customers using specific sampling techniques and measured using a Likert scale. Data analysis includes the evaluation of the measurement model (Outer Model) for validity and reliability, as well as the structural model (Inner Model) through Bootstrapping techniques to test the hypotheses. The results of the study indicate that perceived maslahah, customer attitude, and trust partially have a positive and significant influence on customer Financial behavior. Simultaneously, these three factors also significantly determine financial decision-making in Islamic banking. A crucial finding of this research reveals that religiosity functions as a moderating variable that significantly strengthens the influence of perceived maslahah, attitude, and trust on Financial behavior. This suggests that customers with high levels of religiosity tend to be more consistent in implementing Sharia principles in their financial activities. The conclusion of this study affirms that the Financial behavior of Islamic bank customers is driven by a combination of utility (maslahah), psychological evaluation (attitude), and institutional integrity (trust), all of which are reinforced by religious values. Practical implications for the Islamic banking industry include the importance of communication strategies that emphasize maqāṣid alsyarī‘ ah values and increased transparency to strengthen customer trust and positive behavior.

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