The Role of Financial Literacy, Bank Reputation, and Religiosity in the Adoption of Islamic Banking Products: A Study on BPD Syariah Customers in the Special Region of Yogyakarta Nilmawati(a*), R. Hendri Gusaptono(b), R. Heru Kristanto HC(c), Aguusalim(d)
a) Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Yogyakarta
b) Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Yogyakarta
nilmawati[at]upnyk.ac.id
c) Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Yogyakarta
d) Faculty of Social and Political Science
Abstract
The main objective of this study is to examine the effect of Islamic financial literacy, religiosity, bank reputation, on the adoption of Islamic Bank products. The statistical analysis model uses multiple linear regression. The research sample is customers of BPD Syariah Indonesia in the Yogyakarta Region. Respondents are debtors or customers of BPD Syariah Indonesia in the Yogyakarta Region. The regression results show that Islamic financial literacy and Islamic bank reputation have a significant effect on the adoption of Islamic bank products. While religiosity does not influence the adoption of Islamic bank products
Keywords: Islamic financial literacy, religiosity, bank reputation, adoption of Islamic bank products.
