Public Preference for Islamic Savings as an Instrument Choice in Financial Planning in Banjarmasin City

Authors

  • Dea Hamidi Yanti Putri Antasari State Islamic University
  • Lutpi Sahal Antasari State Islamic University
  • Abdul Gafur Antasari State Islamic University

Keywords:

Community Preferences, Sharia Savings, Financial Planning

Abstract

Public preference for sharia-based financial products continues to increase along with increasing awareness of Islamic economic principles. This study aims to analyze the factors influencing Banjarmasin City residents' preferences in choosing sharia savings as the primary instrument in their financial planning. The method used is a quantitative approach with factor analysis techniques. The research sample consisted of 100 respondents selected using a non-probability sampling method with a purposive sampling technique. Data were collected through questionnaires and analyzed using SPSS. The variables studied included sharia understanding, consumer attitudes, religiosity, social factors, culture, price, and psychological factors. The results showed that the majority of Banjarmasin City residents have a positive preference for sharia savings. The dominant factors influencing this preference are sharia understanding and religiosity with a percentage of variance of 55.801%. Other factors that also influence this preference are social, cultural, and price factors (5.128%), psychological and personal factors (3.697%), and personal and religious factors (3.252%). The total variance explained by these four factors reached 67.878%. This research provides important insights for Islamic financial institutions to improve public literacy and understanding of Islamic savings as a sharia-compliant financial planning instrument.

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Published

2025-11-21