THE INFLUENCE OF RELIGIOSITY AND FINANCIAL LITERACY ON ISLAMIC FINANCIAL BEHAVIOR IN MUSLIM WOMEN IN JEMBER REGENCY-EAST JAVA

Miftahul Hasanah; Istikomah Istikomah

Authors

Miftahul Hasanah Syaria Economic, Islamic Religion Faculty, Universitas Muhammadiyah Jember, East Java, Indonesia
Istikomah Istikomah Syaria Economic, Islamic Religion Faculty, Universitas Muhammadiyah Jember, East Java, Indonesia

Keywords:

Religiosity, Financial Literacy, Islamic Financial Behavior, Saturated Sampling, Muslim Women, Jember Regency

Abstract

This study aims to analyze the influence of Religiosity and Financial Literacy on Islamic Financial Behavior in Muslim women in Jember Regency, East Java. The research method used is a quantitative method with a survey approach. The sampling technique uses the saturated sampling method, where all members of the population are used as a sample because the number of available respondents can be reached as a whole. Data were collected through the distribution of questionnaires to 120 respondents and analyzed using multiple linear regression with the help of SPSS. The results of the study showed that simultaneously, the variables of Religiosity and Financial Literacy did not have a significant effect on Islamic Financial Behavior, with a significance value of 0.400 (> 0.05) and R Square of 0.015. This means that only 1.5% of the variation in Islamic Financial Behavior can be explained by Religiosity and Financial Literacy, while the rest is influenced by other factors outside of this research model. Partially, Religiosity and Financial Literacy also do not have a significant effect on Islamic Financial Behavior. These findings indicate the need for a more comprehensive approach in encouraging Islamic financial behavior, not only through increasing religiosity and financial literacy, but also by considering social, cultural, and practical experiences in managing sharia-based finance. This research is expected to be the basis for future research that examines other variables that have a greater influence on Islamic financial behavior.

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