Pengaruh Literasi Keuangan Syariah, Religiusitas, dan Inovasi Produk Terhadap Keputusan Menggunakan Produk Pembiayaan Konsumer Bank Syariah Indonesia Dengan Kepercayaan Nasabah Sebagai Variabel Mediasi

Siti Rohana, Abdullah Syakur Novianto, Galih Ramadhan Febrianto

Abstract


This study aims to analyze the influence of Islamic financial literacy, religiosity, and product innovation on customers' decisions to use consumer financing products, with customer trust as a mediating variable at Bank Syariah Indonesia (BSI) Lawang Branch Office. A quantitative approach with a survey method was employed involving 88 respondents selected through purposive sampling. Data were collected using questionnaires and analyzed with Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings reveal that Islamic financial literacy and religiosity have a positive and significant effect on customers' decisions to use consumer financing products. Islamic financial literacy also has a positive and significant effect on customer trust. However, product innovation has no significant effect on either customers' decisions or customer trust. Furthermore, customer trust does not mediate the relationship between product innovation and customers' decisions. These findings indicate that improving Islamic financial literacy and strengthening religious values are the primary factors influencing customers' decisions to use consumer financing products at Bank Syariah Indonesia.

Keywords: Islamic financial literacy; religiosity; product innovation; customer trust; consumer financing decision.


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References


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