Adoption of Islamic Banking services among higher education students in Indonesia

This item is published by Universitas Islam Negeri Sunan Ampel Surabaya

Kamal, Abdullah Muhammad Al (2026) Adoption of Islamic Banking services among higher education students in Indonesia. Masters thesis, UIN Sunana Ampel Surabaya.

	Text Abdullah Muhammad Al-Kamal_02250323009.pdf Download (3MB)
	Text Abdullah Muhammad Al-Kamal_02250323009_Full.pdf Restricted to Repository staff only until 12 January 2029. Download (3MB)

Abstract

This study explores the factors influencing the adoption of Islamic banking services among students in Indonesia, focusing on Knowledge of Maqasid Sharia (KMS), Attitude (ATT), and Intention (INT). Despite Indonesia's large Muslim population, Islamic banking remains a minority choice compared to conventional banking. Understanding the drivers of adoption is essential to improving market penetration, especially among young, educated consumers. A quantitative research design was employed, surveying 300 students from public universities in Indonesia. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationships between KMS, Attitude, and Intention. The study tested both direct and indirect effects, focusing on how Attitude mediates the relationship between KMS and Intention. The results show that KMS positively influences Attitude, and Attitude significantly affects Intention. Perceived Ease of Use (PEU) and Perceived Usefulness (PU) also positively influence Attitude, while Subjective Norms (SN) and Perceived Behavioral Control (PBC) directly affect Intention. KMS had no direct effect on Intention, indicating the crucial mediating role of Attitude. Additionally, Price Fairness (PF) was found to have no significant impact on either Attitude or Intention. These findings suggest that improving Islamic financial literacy and emphasizing the benefits and ease of use of Islamic banking services can increase adoption, particularly among students. This research offers valuable insights for the Islamic banking sector to develop more effective and inclusive marketing strategies.

Statistic

Downloads from over the past year. Other digital versions may also be available to download e.g. from the publisher's website.

Item Type:	Thesis (Masters)
Creators:	Creators Email NIM Kamal, Abdullah Muhammad Al alkamalp@gmail.com 02250323009
Contributors:	Contribution Name Email NIDN Thesis advisor Samsuri, Andriani andrianisamsuri@uiinsby.ac.id 2002087603 Thesis advisor Bahaman, Muhamad Abrar muhamadabrar@uum.edu.my --
Subjects:	Ekonomi Islam
Keywords:	Adopsi perbankan syariah; pengetahuan maqashid sharia; keadilan; harga; TPB; TAM
Divisions:	Program Magister > Ekonomi Syariah
Depositing User:	Abdullah Muhammad Al-Kamal
Date Deposited:	12 Jan 2026 07:58
Last Modified:	12 Jan 2026 07:58
URI:	http://digilib.uinsa.ac.id/id/eprint/86142

Actions (login required)

View Item