The Influence of Sharia Financial Literacy on Interest in Saving in Sharia Banks

sharia financial

Abstract

The development of the Islamic financial industry in Indonesia shows a positive trend, but
the low level of Islamic financial literacy is one of the factors hampering public interest in using
Islamic banking services. The 2025 OJK National Survey on Financial Literacy and Inclusion
(SNLIK) recorded that the level of Islamic financial literacy only reached 43.42%, far below
conventional financial literacy. This condition indicates that public understanding of the basic
principles of Islamic economics, contract mechanisms, profit-sharing systems, and the fundamental
differences between Islamic and conventional banks is still uneven. Through a review of theory,
previous literature, and emerging phenomena in society, this study examines the relationship
between Islamic financial literacy and interest in saving in Islamic banks. The results of the literature
review indicate that a good understanding of Islamic financial concepts can increase trust,
strengthen positive perceptions, and encourage public preference for Sharia-based savings
products. Thus, Islamic financial literacy plays a significant role in shaping interest in saving and
is a strategic factor in strengthening the penetration of Islamic banking in Indonesia.