Analysis of Avoiding Riba through Knowledge of Literacy to Sharia Money

Abstract

The motivation of Muslim customers to become Islamic banking customers is to avoid usury because they already realize that usury is one of the actions that they must avoid to get blessings from their assets. Islamic banking is one of the factors that attracts them to believe in the genuine commitment of Islamic banks. To run a banking business that is anti-usury and based on Islamic law. The purpose of this study was to determine the effect of motivation to avoid usury and knowledge of financial literacy on the decision to become a customer of Islamic banking. This type of research uses an associative and quantitative approach. Data collection techniques using interviews and questionnaires. Data analysis techniques using validity and reliability tests. Classic assumption test, multiple linear analysis, t-test, F test, and determination. The results of the study show that the motivation to avoid usury has a positive and significant effect on the decision to become a customer of Islamic banking. Knowledge of financial literacy has a positive and significant effect on the decision to become a customer of Islamic banking. The decision to become a customer of Islamic banking is simultaneously influenced by the motivation to avoid usury and knowledge of financial literacy.