The Role of Sharia Financial Literacy in Millennials' Adoption of Islamic Financial Products at BMT NU Besuki: Implications for Islamic Financial Inclusion

Sofiatun, Siti and Alief Hidayatullah, Muhammad The Role of Sharia Financial Literacy in Millennials' Adoption of Islamic Financial Products at BMT NU Besuki: Implications for Islamic Financial Inclusion. International Journal of Management and Bussiness Economics (IJMEBE), 4 (3). pp. 1-10. ISSN 2964-9412

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Abstract

This study aims to analyze the role of Islamic financial literacy in influencing millennials' decisions to use Islamic financial products at BMT NU Besuki. The rapid development of Islamic financial institutions in Indonesia has not been fully supported by an adequate level of Islamic financial literacy, particularly among the millennial generation. This research employs a quantitative approach with a descriptive-correlational design. The population consists of millennial customers aged 25–40 years who are active members of BMT NU Besuki. Using purposive sampling technique, 75 respondents were selected as the research sample. Data were collected through a structured questionnaire based on a Likert scale and analyzed using descriptive statistics, Pearson correlation, and simple linear regression. The findings indicate that Islamic financial literacy has a positive and significant effect on the decision to use Islamic financial products. The higher the level of Islamic financial literacy, the stronger the tendency of millennials to choose and utilize sharia-based financial services. These results highlight the importance of strengthening Islamic financial literacy programs as a strategic effort to enhance product utilization and promote ethical financial behavior among millennials.

Item Type:	Article
Uncontrolled Keywords:	Islamic financial literacy, millennials, decision making, Islamic financial products, BMT NU
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > HB Economic Theory
Divisions:	Fakultas Agama Islam > S1 Perbankan Syari'ah
Depositing User:	Unnamed user with email ssofiatun123@gmail.com
Date Deposited:	02 Sep 2026 05:51
Last Modified:	02 Sep 2026 05:51
URI:	https://repository.unuja.ac.id/id/eprint/4452

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