PENGETAHUAN GENERASI Z TERHADAP PREFERENSI PADA BANK SYARIAH DENGAN RELIGIUSITAS SEBAGAI VARIABEL INTERVENING
DOI:
https://doi.org/10.25299/jtb.2026.vol9(1).29615Keywords:
Pengetahuan, Generasi Z, Preferensi, Religiusitas, Bank SyariahAbstract
Penelitian ini bertujuan untuk melihat pengaruh pengetahuan Generasi Z terhadap preferensi pada bank syariah melalui religiusitas sebagai variabel intervening. Populasi dalam penelitian ini adalah Generasi Z berusia 18–25 tahun yang memiliki pengetahuan mengenai bank syariah. Sampel penelitian berjumlah 100 responden yang ditentukan menggunakan rumus Slovin dengan teknik simple random sampling. Data penelitian dikumpulkan melalui penyebaran kuesioner secara daring dan luring. Model yang digunakan dalam penelitian ini adalah model kausalitas atau hubungan pengaruh yang dianalisis menggunakan metode Structural Equation Modeling (SEM) dengan pendekatan Partial Least Squares (PLS). Hasil penelitian menunjukkan bahwa: 1) pengetahuan Generasi Z berpengaruh positif dan signifikan terhadap preferensi pada bank syariah, 2) religiusitas berpengaruh positif dan signifikan terhadap preferensi Generasi Z pada bank syariah, 3) pengetahuan berpengaruh positif dan signifikan terhadap religiusitas, dan 4) religiusitas secara signifikan memediasi pengaruh pengetahuan terhadap preferensi Generasi Z pada bank syariah dengan pola mediasi parsial. Temuan penelitian ini menunjukkan bahwa peningkatan pengetahuan mengenai prinsip, akad, dan produk perbankan syariah, yang disertai dengan penguatan nilai-nilai religius, dapat meningkatkan preferensi Generasi Z terhadap bank syariah.
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Asosiasi Program Studi Keuangan dan Perbankan Syariah
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