GEN Z'S INTENTION TO SHARIA BANKING : THE ROLE OF FINANCIAL LITERACY, RELIGIOSITY, AND DEMOGRAPHICS
Abstract
The Islamic banking sector in Malang City shows strong growth potential due to its large youth population. However, Generation Z’s adoption remains low, influenced by financial literacy, religiosity, and demographic factors. This study examines how these variables affect Generation Z’s interest in Islamic banking, using a survey of 204 respondents and multiple linear regression analysis in SPSS 26. Results reveal that financial literacy, religiosity, and demographics positively influence interest, offering insights for banks to develop youth-focused marketing strategies.
References
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Albaity, M., & Rahman, M. (2019). The Intention To Use Islamic Banking: An Exploratory Study To Measure Islamic Financial Literacy. International Journal Of Emerging Markets, 14(5), 988–1012. Https://Doi.Org/10.1108/IJOEM-05-2018-0218
Ameyaw, Y., & Mante, A. G. (2025). Effect Of Role-Play Teaching Method On Science Students’ Interest In Teaching And Learning Of Photosynthesis. Oalib, 12(03), 1–18. Https://Doi.Org/10.4236/Oalib.1112370
Amir, F., Adiba, E. M., Dzikrulloh, Fadillah, A. N., & Hariyani, H. F. (2024). The Influence Of Sharia Financial Literacy, Religiosity, Social Environment, E-Commerce, Mobile Banking, And Online Loans On Consumptive Behavior In Gen Z. Jurnal Ekonomi Islam, 15(2), 193–209.
Badan Pusat Statistik Kota Malang. (2023). Jumlah Penduduk (De Jure) Menurut Kelompok Umur Dan Jenis Kelamin Di Kota Malang (Jiwa), 2024. BPS Kota Malang.
Dinc, Y., Çetin, M., Bulut, M., & Jahangir, R. (2021). Islamic Financial Literacy Scale: An Amendment In The Sphere Of Contemporary Financial Literacy. ISRA International Journal Of Islamic Finance, 13(2), 251–263. Https://Doi.Org/10.1108/IJIF-07-2020-0156
Elsalonika, A., & Ida, I. (2025). Perilaku Keuangan Generasi Z: Peran Penerapan Financial Technology, Literasi Keuangan, Dan Efikasi Diri. Jurnal Manajemen Bisnis Dan Kewirausahaan, 9(2), 365–379. Https://Doi.Org/10.24912/Jmbk.V9i2.32838
Fadillah, A. Z., Rusadi, P. O., & Imani, D. N. (2021). Acceleration Of Financial Technology Growth Towards Inclusiveness Of Unbankable Society In Achieving The Vision Of The Islamic Banking Roadmap 2020-2025 (Case Study: Generation Z, Jabodetabek). Airlangga International Journal Of Islamic Economics And Finance, 4(2), 158. Https://Doi.Org/10.20473/Aijief.V4i2.31434
Guo, Z., & Fryer, L. K. (2025). What Really Elicits Learners’ Situational Interest In Learning Activities: A Scoping Review Of Six Most Commonly Researched Types Of Situational Interest Sources In Educational Settings. Current Psychology, 44(1), 587–601. Https://Doi.Org/10.1007/S12144-024-07176-X
Hariyadi, I., & Mahmudi, L. N. (2019). Pengaruh Religiusitas Terhadap Kinerja Karyawan (Studi Kasus Pada Suryamart Soekarno-Hatta Ponorogo Tahun 2019). Islamic Economics Journal, 6(2), 159–174.
Ilfita, K., & Canggih, C. (2021). Theinfluenceof Sharia Financialliteracy, Religiosity,Andperception Of Saving Students’Interestin Sharia Banks. Indonesian Interdisciplinary Journal Of Sharia Economics (IIJSE), 3(2), 113–134.
Ilyana, S., Purna, F. P., & Friantoro, D. (2022). Islamic Financial Literacy And Its Effects On Intention To Use Islamic Bank. Ihtifaz: Journal Of Islamic Economics, Finance, And Banking, 4(2), 97–110. Https://Doi.Org/10.12928/Ijiefb.V4i2.2622
Kaharuddin, K., Amrin, A., Nurdin, M. R., Sugiyarto, S., Su’ud, S., & Supriyanto, S. (2024). Peran Literasi Keuangan Islam Dan Kearifan Lokal Dalam Keputusan Penggunaan Produk Perbankan Syariah: Kajian Literatur Sistematis. Mimbar Agama Budaya, 41(1), 61–79.
Khomsatun, S., Salmah, S., Nadia, T., Taslimah, Z., & Dilsantuah, N. (2024). Gen-Z Acceptance Of Mobile Banking For Sharia Bank: Do TAM-Model, Religiousity Intention, And Security Variables Matter? Islamic Finance And Business Review, 18(2), 2024.
Khotimah, H., & Saputeri, N. P. (2024). Jurnal Ilmu Perbankan Dan Keuangan Syariah The Effect Of Islamic Financial Literacy And Religiosity On The Interest Of Saving Generation Z In Islamic Banks. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 6(1), 71–86.
Kurniawati, R., Ahmad, G. N., & Buchdadi, A. D. (2023). Niat Menggunakan Bank Syariah Pada Generasi Z Di Indonesia. Management Studies And …, 4(5), 7169–7178.Https://Www.Yrpipku.Com/Journal/Index.Php/Msej/Article/View/2008
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy Around The World: An Overview. Journal Of Pension Economics And Finance, 10(4), 497–508. Https://Doi.Org/10.1017/S1474747211000448
Lusardi, A., & Mitchell, O. S. (2013). The Economic Importance Of Financial Literacy: Theory And Evidence. Forthcoming Journal Of Economic Literature, 1–70.
Maarif, S. D. (2023). 4 Tingkat Literasi Keuangan Menurut OJK Dan Indikatornya. Tirto.Id.
Maghfiro, N., & Budianto, E. W. H. (2024). Determinan Minat Menggunakan Layanan Digital Banking Syariah Pada Generasi Z Di Kota Malang. Jurnal Dimensi, 13(2), 352–363. Https://Doi.Org/10.33373/Dms.V13i2.6288
Mufidah, A., Istifadah, I., & Nurul Awaliyah, I. (2022). Sharia Financial Literacy In Personal Financial Planning. International Social Sciences And Humanities, 1(2), 198–203. Https://Doi.Org/10.32528/Issh.V1i2.174
Muslichah, I., & Sanusi, S. (2019). The Effect Of Religiosity And Financial Literacy On Intention To Use Islamic Banking Products. Asian Journal Of Islamic Management (AJIM), 1(2), 85–92. Https://Doi.Org/10.1108/AJIM.Vol1.Iss2.Art2
Ojk. (2022). Siaran Pers Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2022. In Otoritas Jasa Keuangan (Issue November).
Rohali, Y., Basri, Y. Z., Ismail, R., & Dwi Septian, R. A. (2022). Factors Affecting The Decision-Making Of Indonesian Sharia Banking Companies. ADI Journal On Recent Innovation (AJRI), 4(1), 13–25. Https://Doi.Org/10.34306/Ajri.V4i1.725
Rohmayanti, S. A. A., Samsuri, A., & Fitrianto, A. R. (2021). Analisis Literasi Keuangan Syariah Pada Pemberdayaan Ekonomi UMKM Binaan Bank Indonesia Kantor Wilayah Jawa Timur. Muslim Heritage, 6(2), 377–403. Https://Doi.Org/10.21154/Muslimheritage.V6i2.3131
Romdhoni, A. H., & Ratnasari, D. (2018). Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, Dan Religiusitas Terhadap Minat Nasabah Untuk Menggunakan Produk Simpanan Pada Lembaga Keuangan Mikro Syariah. Jurnal Ilmiah Ekonomi Islam, 4(02), 136–147. Https://Doi.Org/10.29040/Jiei.V4i02.307
Rusydiana, A. S., Rahmawati, R., & Shafitranata, S. (2021). DEA On Islamic Banking: A Bibliometric Study And Critical Perspective. Library Philosophy And Practice, February, 1–29.
Sugiyono. (2015). Metode Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif Dan R&D. Alfabeta.
Sugiyono. (2019). Metode Penelitian Kuantitatif Kualitatif Dan R&D (Sutopo (Ed.); Kedua). Anggota Ikatan Penerbit Indonesia (IKAPI).
Suparno, D., Tjahjawulan, I., Martodiryo, S., Anshary, A. H., Mulyono, Badrian, Indrariani, E. A., & Suwondo, T. (2023). The Influence Of Financial Literacy, Digital Literacy, Digital Marketing, Brand Image And Word Of Mouth On The Z Generation’s Interest In Islamic Banks. International Journal Of Data And Network Science, 7(4), 1975–1982. Https://Doi.Org/10.5267/J.Ijdns.2023.6.015
Supriyanto, A. S., & Ekowati, V. M. (2013). Metodologi Penelitian Manajemen Sumber Daya Manusia. UIN Maliki Press.
Syakur, A. (2011). Optimalisasi Peran Pesantren Dalam Pengembangan Ekonomi Syari’Ah. Iqtishoduna, 4(3), 1–20. Https://Doi.Org/10.18860/Iq.V4i3.305
Taufiqurrahman, & Manggala Putri, S. A. (2025). Religiosity And Islamic Financial Literacy In Gen-Z’s Islamic Bank Saving. Techno-Socio Ekonomika, 18(1), 34–48. Https://Doi.Org/10.32897/Techno.2025.18.1.4033
Wuryaningsih, & Rini Safitri. (2024). Islamic Financial Literacy And The Inclination To Use Islamic Banks Among Generation Z In Indonesian Islamic Universities. IBAF E-Proceedings, 11(1), 791–809. Https://Doi.Org/10.33102/C9p27e61
Yusuf, M., Komarudin, P., Rahmani Abduh, M., Farhanah, S. A., & Nafisah, H. (2023). The Role Of Islamic Banks In Indonesia: A Systematic Literature Review. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 7(1), 16–35. Https://Doi.Org/10.24252/Al-Mashrafiyah.V7i1.36115
Zahra, S. F. (2024). Determinants Of Z Generation’S Saving Intention In Islamic Banks. Jurnal Syarikah : Jurnal Ekonomi Islam, 10(1), 21–29. Https://Doi.Org/10.30997/Jsei.V10i1.10915
Albaity, M., & Rahman, M. (2019). The Intention To Use Islamic Banking: An Exploratory Study To Measure Islamic Financial Literacy. International Journal Of Emerging Markets, 14(5), 988–1012. Https://Doi.Org/10.1108/IJOEM-05-2018-0218
Ameyaw, Y., & Mante, A. G. (2025). Effect Of Role-Play Teaching Method On Science Students’ Interest In Teaching And Learning Of Photosynthesis. Oalib, 12(03), 1–18. Https://Doi.Org/10.4236/Oalib.1112370
Amir, F., Adiba, E. M., Dzikrulloh, Fadillah, A. N., & Hariyani, H. F. (2024). The Influence Of Sharia Financial Literacy, Religiosity, Social Environment, E-Commerce, Mobile Banking, And Online Loans On Consumptive Behavior In Gen Z. Jurnal Ekonomi Islam, 15(2), 193–209.
Badan Pusat Statistik Kota Malang. (2023). Jumlah Penduduk (De Jure) Menurut Kelompok Umur Dan Jenis Kelamin Di Kota Malang (Jiwa), 2024. BPS Kota Malang.
Dinc, Y., Çetin, M., Bulut, M., & Jahangir, R. (2021). Islamic Financial Literacy Scale: An Amendment In The Sphere Of Contemporary Financial Literacy. ISRA International Journal Of Islamic Finance, 13(2), 251–263. Https://Doi.Org/10.1108/IJIF-07-2020-0156
Elsalonika, A., & Ida, I. (2025). Perilaku Keuangan Generasi Z: Peran Penerapan Financial Technology, Literasi Keuangan, Dan Efikasi Diri. Jurnal Manajemen Bisnis Dan Kewirausahaan, 9(2), 365–379. Https://Doi.Org/10.24912/Jmbk.V9i2.32838
Fadillah, A. Z., Rusadi, P. O., & Imani, D. N. (2021). Acceleration Of Financial Technology Growth Towards Inclusiveness Of Unbankable Society In Achieving The Vision Of The Islamic Banking Roadmap 2020-2025 (Case Study: Generation Z, Jabodetabek). Airlangga International Journal Of Islamic Economics And Finance, 4(2), 158. Https://Doi.Org/10.20473/Aijief.V4i2.31434
Guo, Z., & Fryer, L. K. (2025). What Really Elicits Learners’ Situational Interest In Learning Activities: A Scoping Review Of Six Most Commonly Researched Types Of Situational Interest Sources In Educational Settings. Current Psychology, 44(1), 587–601. Https://Doi.Org/10.1007/S12144-024-07176-X
Hariyadi, I., & Mahmudi, L. N. (2019). Pengaruh Religiusitas Terhadap Kinerja Karyawan (Studi Kasus Pada Suryamart Soekarno-Hatta Ponorogo Tahun 2019). Islamic Economics Journal, 6(2), 159–174.
Ilfita, K., & Canggih, C. (2021). Theinfluenceof Sharia Financialliteracy, Religiosity,Andperception Of Saving Students’Interestin Sharia Banks. Indonesian Interdisciplinary Journal Of Sharia Economics (IIJSE), 3(2), 113–134.
Ilyana, S., Purna, F. P., & Friantoro, D. (2022). Islamic Financial Literacy And Its Effects On Intention To Use Islamic Bank. Ihtifaz: Journal Of Islamic Economics, Finance, And Banking, 4(2), 97–110. Https://Doi.Org/10.12928/Ijiefb.V4i2.2622
Kaharuddin, K., Amrin, A., Nurdin, M. R., Sugiyarto, S., Su’ud, S., & Supriyanto, S. (2024). Peran Literasi Keuangan Islam Dan Kearifan Lokal Dalam Keputusan Penggunaan Produk Perbankan Syariah: Kajian Literatur Sistematis. Mimbar Agama Budaya, 41(1), 61–79.
Khomsatun, S., Salmah, S., Nadia, T., Taslimah, Z., & Dilsantuah, N. (2024). Gen-Z Acceptance Of Mobile Banking For Sharia Bank: Do TAM-Model, Religiousity Intention, And Security Variables Matter? Islamic Finance And Business Review, 18(2), 2024.
Khotimah, H., & Saputeri, N. P. (2024). Jurnal Ilmu Perbankan Dan Keuangan Syariah The Effect Of Islamic Financial Literacy And Religiosity On The Interest Of Saving Generation Z In Islamic Banks. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 6(1), 71–86.
Kurniawati, R., Ahmad, G. N., & Buchdadi, A. D. (2023). Niat Menggunakan Bank Syariah Pada Generasi Z Di Indonesia. Management Studies And …, 4(5), 7169–7178.Https://Www.Yrpipku.Com/Journal/Index.Php/Msej/Article/View/2008
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy Around The World: An Overview. Journal Of Pension Economics And Finance, 10(4), 497–508. Https://Doi.Org/10.1017/S1474747211000448
Lusardi, A., & Mitchell, O. S. (2013). The Economic Importance Of Financial Literacy: Theory And Evidence. Forthcoming Journal Of Economic Literature, 1–70.
Maarif, S. D. (2023). 4 Tingkat Literasi Keuangan Menurut OJK Dan Indikatornya. Tirto.Id.
Maghfiro, N., & Budianto, E. W. H. (2024). Determinan Minat Menggunakan Layanan Digital Banking Syariah Pada Generasi Z Di Kota Malang. Jurnal Dimensi, 13(2), 352–363. Https://Doi.Org/10.33373/Dms.V13i2.6288
Mufidah, A., Istifadah, I., & Nurul Awaliyah, I. (2022). Sharia Financial Literacy In Personal Financial Planning. International Social Sciences And Humanities, 1(2), 198–203. Https://Doi.Org/10.32528/Issh.V1i2.174
Muslichah, I., & Sanusi, S. (2019). The Effect Of Religiosity And Financial Literacy On Intention To Use Islamic Banking Products. Asian Journal Of Islamic Management (AJIM), 1(2), 85–92. Https://Doi.Org/10.1108/AJIM.Vol1.Iss2.Art2
Ojk. (2022). Siaran Pers Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2022. In Otoritas Jasa Keuangan (Issue November).
Rohali, Y., Basri, Y. Z., Ismail, R., & Dwi Septian, R. A. (2022). Factors Affecting The Decision-Making Of Indonesian Sharia Banking Companies. ADI Journal On Recent Innovation (AJRI), 4(1), 13–25. Https://Doi.Org/10.34306/Ajri.V4i1.725
Rohmayanti, S. A. A., Samsuri, A., & Fitrianto, A. R. (2021). Analisis Literasi Keuangan Syariah Pada Pemberdayaan Ekonomi UMKM Binaan Bank Indonesia Kantor Wilayah Jawa Timur. Muslim Heritage, 6(2), 377–403. Https://Doi.Org/10.21154/Muslimheritage.V6i2.3131
Romdhoni, A. H., & Ratnasari, D. (2018). Pengaruh Pengetahuan, Kualitas Pelayanan, Produk, Dan Religiusitas Terhadap Minat Nasabah Untuk Menggunakan Produk Simpanan Pada Lembaga Keuangan Mikro Syariah. Jurnal Ilmiah Ekonomi Islam, 4(02), 136–147. Https://Doi.Org/10.29040/Jiei.V4i02.307
Rusydiana, A. S., Rahmawati, R., & Shafitranata, S. (2021). DEA On Islamic Banking: A Bibliometric Study And Critical Perspective. Library Philosophy And Practice, February, 1–29.
Sugiyono. (2015). Metode Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif Dan R&D. Alfabeta.
Sugiyono. (2019). Metode Penelitian Kuantitatif Kualitatif Dan R&D (Sutopo (Ed.); Kedua). Anggota Ikatan Penerbit Indonesia (IKAPI).
Suparno, D., Tjahjawulan, I., Martodiryo, S., Anshary, A. H., Mulyono, Badrian, Indrariani, E. A., & Suwondo, T. (2023). The Influence Of Financial Literacy, Digital Literacy, Digital Marketing, Brand Image And Word Of Mouth On The Z Generation’s Interest In Islamic Banks. International Journal Of Data And Network Science, 7(4), 1975–1982. Https://Doi.Org/10.5267/J.Ijdns.2023.6.015
Supriyanto, A. S., & Ekowati, V. M. (2013). Metodologi Penelitian Manajemen Sumber Daya Manusia. UIN Maliki Press.
Syakur, A. (2011). Optimalisasi Peran Pesantren Dalam Pengembangan Ekonomi Syari’Ah. Iqtishoduna, 4(3), 1–20. Https://Doi.Org/10.18860/Iq.V4i3.305
Taufiqurrahman, & Manggala Putri, S. A. (2025). Religiosity And Islamic Financial Literacy In Gen-Z’s Islamic Bank Saving. Techno-Socio Ekonomika, 18(1), 34–48. Https://Doi.Org/10.32897/Techno.2025.18.1.4033
Wuryaningsih, & Rini Safitri. (2024). Islamic Financial Literacy And The Inclination To Use Islamic Banks Among Generation Z In Indonesian Islamic Universities. IBAF E-Proceedings, 11(1), 791–809. Https://Doi.Org/10.33102/C9p27e61
Yusuf, M., Komarudin, P., Rahmani Abduh, M., Farhanah, S. A., & Nafisah, H. (2023). The Role Of Islamic Banks In Indonesia: A Systematic Literature Review. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 7(1), 16–35. Https://Doi.Org/10.24252/Al-Mashrafiyah.V7i1.36115
Zahra, S. F. (2024). Determinants Of Z Generation’S Saving Intention In Islamic Banks. Jurnal Syarikah : Jurnal Ekonomi Islam, 10(1), 21–29. Https://Doi.Org/10.30997/Jsei.V10i1.10915
Published
2025-10-16
How to Cite
ISTIANAH, Nur; RAHAYU, Yayuk Sri; HASIBUAN, Lempang.
GEN Z'S INTENTION TO SHARIA BANKING : THE ROLE OF FINANCIAL LITERACY, RELIGIOSITY, AND DEMOGRAPHICS.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 11, n. 1, p. 47-62, oct. 2025.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3402>. Date accessed: 11 apr. 2026.
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Articles
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