Analisis Pengaruh Islamic Financial Literacy, Trust, dan Skepticism terhadap Behavioral Intention to Adopt Bank Syariah melalui Perceived Shariah Compliance

Analysis of the Influence of Islamic Financial Literacy, Trust, and Skepticism on Behavioral Intention to Adopt Sharia Banking via Perceived Sharia Compliance

Rendahnya pangsa pasar perbankan syariah di Indonesia yang hanya mencapai 7,72% tidak sejalan dengan potensi besar Indonesia sebagai negara dengan populasi Muslim terbesar di dunia, sementara tingkat literasi keuangan syariah masyarakat yang masih rendah, tingginya skeptisisme terhadap klaim syariah, serta mudah terkikisnya kepercayaan masyarakat menjadi faktor-faktor yang menghambat terbentuknya niat adopsi layanan perbankan syariah. Penelitian ini bertujuan untuk menganalisis pengaruh Islamic Financial Literacy, Trust, dan Skepticism terhadap Behavioral Intention to Adopt Bank Syariah melalui Perceived Shariah Compliance sebagai variabel mediasi pada masyarakat awam non-nasabah di Indonesia. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif eksplanatori dengan data primer yang diperoleh langsung melalui penyebaran kuesioner secara daring kepada responden. Teknik pengambilan sampel dilakukan dengan pendekatan purposive sampling dengan total sebanyak 255 responden. Analisis data dilakukan dengan metode PLS-SEM (Partial Least Squares Structural Equation Modeling) menggunakan aplikasi SmartPLS 3.0. Hasil penelitian menunjukkan bahwa Islamic Financial Literacy berpengaruh positif dan signifikan, Skepticism berpengaruh negatif dan signifikan, serta Perceived Shariah Compliance berpengaruh positif dan signifikan terhadap Behavioral Intention to Adopt Bank Syariah. Sedangkan Trust berpengaruh tidak signifikan secara langsung terhadap Behavioral Intention to Adopt Bank Syariah. Selain itu, Perceived Shariah Compliance terbukti mampu memediasi pengaruh Islamic Financial Literacy, Trust, dan Skepticism terhadap Behavioral Intention to Adopt Bank Syariah. Penelitian ini diharapkan dapat membantu industri perbankan syariah dan regulator dalam merumuskan strategi yang lebih efektif untuk meningkatkan niat adopsi layanan perbankan syariah pada segmen masyarakat awam dengan memahami peran persepsi kepatuhan syariah sebagai mekanisme transmisi yang menghubungkan literasi, kepercayaan, dan skeptisisme terhadap niat perilaku.

The low market share of Islamic banking in Indonesia—standing at only 7.72%—is inconsistent with the country's immense potential as the nation with the world's largest Muslim population. Meanwhile, factors such as low public financial literacy regarding Islamic banking, high skepticism toward Sharia-compliant claims, and the fragility of public trust hinder the formation of intentions to adopt Islamic banking services. This study aims to analyze the influence of Islamic financial literacy, trust, and skepticism on the behavioral intention to adopt Islamic banking, with perceived Sharia compliance serving as a mediating variable among the general public (non-customers) in Indonesia. An explanatory quantitative approach was employed, utilizing primary data collected directly through online questionnaires. A purposive sampling technique was used, resulting in a total of 255 respondents. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method via SmartPLS 3.0 software. The results indicate that Islamic financial literacy and perceived Sharia compliance have positive and significant effects on the behavioral intention to adopt Islamic banking, whereas skepticism has a negative and significant effect. Conversely, trust does not have a significant direct effect on the behavioral intention to adopt Islamic banking. Furthermore, perceived Sharia compliance was found to mediate the effects of Islamic financial literacy, trust, and skepticism on the behavioral intention to adopt Islamic banking. This study is expected to assist the Islamic banking industry and regulators in formulating more effective strategies to boost adoption rates among the general public by highlighting the role of perceived Sharia compliance as a transmission mechanism linking literacy, trust, and skepticism to behavioral intention.