{"id":"https://openalex.org/W3126974898","doi":"https://doi.org/10.31538/iijse.v3i2.1010","title":"THE INFLUENCE OF SHARIA FINANCIAL LITERACY, RELIGIOSITY, AND PERCEPTION OF SAVING STUDENTS\u2019 INTEREST IN SHARIA BANKS","display_name":"THE INFLUENCE OF SHARIA FINANCIAL LITERACY, RELIGIOSITY, AND PERCEPTION OF SAVING STUDENTS\u2019 INTEREST IN SHARIA BANKS","publication_year":2021,"publication_date":"2021-01-31","ids":{"openalex":"https://openalex.org/W3126974898","doi":"https://doi.org/10.31538/iijse.v3i2.1010","mag":"3126974898"},"language":"en","primary_location":{"id":"doi:10.31538/iijse.v3i2.1010","doi":"https://doi.org/10.31538/iijse.v3i2.1010","is_oa":true,"landing_page_url":"https://doi.org/10.31538/iijse.v3i2.1010","pdf_url":null,"source":{"id":"https://openalex.org/S4210231653","display_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","issn_l":"2621-606X","issn":["2621-606X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.31538/iijse.v3i2.1010","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5025198189","display_name":"Khoiriyah Ilfita","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I23758234","display_name":"Universitas Negeri Surabaya","ror":"https://ror.org/01jf74q70","country_code":"ID","type":"education","lineage":["https://openalex.org/I23758234"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Khoiriyah Ilfita","raw_affiliation_strings":["Universitas Negeri Surabaya, Surabaya, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Negeri Surabaya, Surabaya, Indonesia","institution_ids":["https://openalex.org/I23758234"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5070643343","display_name":"Clarashinta Canggih","orcid":"https://orcid.org/0000-0002-2784-6837","observed_orcids":["https://orcid.org/0000-0002-2784-6837"]},"institutions":[{"id":"https://openalex.org/I23758234","display_name":"Universitas Negeri Surabaya","ror":"https://ror.org/01jf74q70","country_code":"ID","type":"education","lineage":["https://openalex.org/I23758234"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Clarashinta Canggih","raw_affiliation_strings":["Universitas Negeri Surabaya, Surabaya, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Negeri Surabaya, Surabaya, Indonesia","institution_ids":["https://openalex.org/I23758234"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I23758234"],"apc_list":null,"apc_paid":null,"fwci":10.6023,"has_fulltext":true,"cited_by_count":40,"citation_normalized_percentile":{"value":0.98422829,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":100},"biblio":{"volume":"3","issue":"2","first_page":"113","last_page":"134"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.00039999998989515007,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14281","display_name":"Islamic Finance and Communication","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/sharia-financial-literacy","display_name":"sharia financial literacy","score":0.9779999852180481},{"id":"https://openalex.org/keywords/religiosity","display_name":"religiosity","score":0.9990000128746033},{"id":"https://openalex.org/keywords/saving-interest","display_name":"saving interest","score":0.515999972820282},{"id":"https://openalex.org/keywords/sharia-banks","display_name":"sharia banks","score":0.7789999842643738},{"id":"https://openalex.org/keywords/student-savings-behavior","display_name":"student savings behavior","score":0.6129999756813049},{"id":"https://openalex.org/keywords/islamic-banking","display_name":"Islamic banking","score":0.6489999890327454}],"concepts":[{"id":"https://openalex.org/C168702047","wikidata":"https://www.wikidata.org/wiki/Q482752","display_name":"Sharia","level":3,"score":0.9238874912261963},{"id":"https://openalex.org/C2779793952","wikidata":"https://www.wikidata.org/wiki/Q1553701","display_name":"Religiosity","level":2,"score":0.9077619314193726},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.5928590297698975},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.5837786197662354},{"id":"https://openalex.org/C26760741","wikidata":"https://www.wikidata.org/wiki/Q160402","display_name":"Perception","level":2,"score":0.5590813159942627},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5291374325752258},{"id":"https://openalex.org/C547764534","wikidata":"https://www.wikidata.org/wiki/Q8236","display_name":"Literacy","level":2,"score":0.5141487717628479},{"id":"https://openalex.org/C4445939","wikidata":"https://www.wikidata.org/wiki/Q432","display_name":"Islam","level":2,"score":0.3401661515235901},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.2832132577896118},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.20386847853660583},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.17987608909606934},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.1076984703540802},{"id":"https://openalex.org/C19417346","wikidata":"https://www.wikidata.org/wiki/Q7922","display_name":"Pedagogy","level":1,"score":0.09580671787261963},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C169760540","wikidata":"https://www.wikidata.org/wiki/Q207011","display_name":"Neuroscience","level":1,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.31538/iijse.v3i2.1010","doi":"https://doi.org/10.31538/iijse.v3i2.1010","is_oa":true,"landing_page_url":"https://doi.org/10.31538/iijse.v3i2.1010","pdf_url":null,"source":{"id":"https://openalex.org/S4210231653","display_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","issn_l":"2621-606X","issn":["2621-606X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","raw_type":"journal-article"},{"id":"pmh:oai:ojs2.e-journal.uac.ac.id:article/1010","doi":null,"is_oa":true,"landing_page_url":"https://e-journal.uac.ac.id/index.php/iijse/article/view/1010","pdf_url":"https://e-journal.uac.ac.id/index.php/iijse/article/download/1010/588","source":{"id":"https://openalex.org/S4210231653","display_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","issn_l":"2621-606X","issn":["2621-606X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"10.31538/iijse.v3i2","raw_type":"info:eu-repo/semantics/article"},{"id":"pmh:oai:doaj.org/article:10f3ccaa8da54ff78dc59560202616ed","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/10f3ccaa8da54ff78dc59560202616ed","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Indonesian Interdisciplinary Journal of Sharia Economics, Vol 3, Iss 2 (2021)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.31538/iijse.v3i2.1010","doi":"https://doi.org/10.31538/iijse.v3i2.1010","is_oa":true,"landing_page_url":"https://doi.org/10.31538/iijse.v3i2.1010","pdf_url":null,"source":{"id":"https://openalex.org/S4210231653","display_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","issn_l":"2621-606X","issn":["2621-606X"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj"],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE)","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3126974898.pdf","grobid_xml":"https://content.openalex.org/works/W3126974898.grobid-xml"},"referenced_works_count":13,"referenced_works":["https://openalex.org/W1527339488","https://openalex.org/W2215289865","https://openalex.org/W2781654643","https://openalex.org/W2797231861","https://openalex.org/W2799585677","https://openalex.org/W2894583547","https://openalex.org/W2905338220","https://openalex.org/W3002213918","https://openalex.org/W3015959835","https://openalex.org/W3163264756","https://openalex.org/W3165764698","https://openalex.org/W3215466945","https://openalex.org/W6795994666"],"related_works":["https://openalex.org/W4392609623","https://openalex.org/W4414874902","https://openalex.org/W7216181969","https://openalex.org/W4402750378","https://openalex.org/W4405198613","https://openalex.org/W4412395114","https://openalex.org/W7215831770","https://openalex.org/W3084971056","https://openalex.org/W4408237997","https://openalex.org/W4399717860"],"abstract_inverted_index":{"Abstract":[0],"People":[1],"in":[2,4,7,13,38,60,127,144],"Indonesia":[3],"saving":[5,39,58],"activities":[6],"sharia":[8,41,51,61,97,109,128,131,145],"banks":[9],"are":[10],"still":[11],"classified":[12],"the":[14,48,89,138],"lower":[15],"category":[16],"than":[17],"conventional":[18],"banks.":[19,42,62,110,129,146],"It":[20],"is":[21,84],"caused":[22],"by":[23],"several":[24],"factors.":[25],"Sharia":[26],"financial":[27,52,98,132],"literacy,":[28,53,133],"religiosity":[29,112],"and":[30,55,113,119,135],"perceptions":[31,56,136],"can":[32],"be":[33],"factors":[34],"influencing":[35],"people's":[36],"interest":[37,59,105,124,139],"at":[40,108],"This":[43,63],"study":[44,64],"aimed":[45],"to":[46,106,125,142],"determine":[47],"effect":[49,102,121],"of":[50,57,140],"religiosity,":[54,134],"used":[65,75,83],"a":[66,117],"quantitative":[67],"approach.":[68],"In":[69],"this":[70],"research,":[71],"researchers":[72],"took":[73],"samples":[74],"random":[76],"sampling":[77],"techniques.":[78],"The":[79,92],"data":[80],"analysis":[81],"technique":[82],"multiple":[85],"linear":[86],"regression":[87],"using":[88],"SPSS":[90],"program.":[91],"results":[93],"showed":[94],"that":[95],"partially":[96,115],"literacy":[99],"had":[100],"no":[101],"on":[103,122],"students'":[104,123],"save":[107,126,143],"While":[111],"perception":[114],"have":[116],"positive":[118],"significant":[120],"Simultaneously,":[130],"influence":[137],"students":[141]},"counts_by_year":[{"year":2025,"cited_by_count":10},{"year":2024,"cited_by_count":17},{"year":2023,"cited_by_count":10},{"year":2022,"cited_by_count":3}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2021-02-15T00:00:00"}
