Pengaruh Literasi Keuangan Syariah, Persepsi, Motivasi dan Religiusitas Terhadap Keputusan Milenial Menggunakan Produk KPR Syariah

Abstract

This study aims to analyze the influence of Islamic financial literacy, perception, motivation and religiosity on millennials decision in using shariah home financing products. The research method used quantitative with using primary data collected through questionnaires distributed to millennial customers of shariah home financing in Depok. The sampling technique employed is non-probability sampling with purposive sampling method, with a total sample of 100 respondents. The results of this study indicate that, partially, Islamic financial literacy and religiosity have a positive but insignificant influence on millennials' decision to use Shariah Home Financing, while perception and motivation have a positive and significant influence on the decision to use Shariah Home Financing. Simultaneously, Islamic financial literacy, perception, motivation, and religiosity have a positive and significant influence on millennials' decision to use Shariah Home Financing. This suggests that the higher perception and motivation among millennials to own a Shariah Home Financing, accompanied by a good level of Islamic financial literacy and religiosity, can strongly influence the decision of the millennial in Depok city to use Shariah Home Financing products.