The Influence of Islamic Financial Literacy and Qana’ah Attitude on the Decision to Choose Savings with a Wadiah yad-dhamanah Contract
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Fernando Eko Prasetio Wibowo*
Awalludin Fajar Brata Wijaya
Islamic financial literacy and Qana'ah attitude are two aspects that can influence individual decisions in choosing sharia-based savings products. Previous research has extensively examined Islamic financial literacy and savings decisions at Islamic banks, research that integrates financial knowledge and Qana'ah attitude in explaining the decision to choose savings with a Wadiah yad-dhamanah contract remains limited. This study aims to analyze the influence of Islamic financial literacy and Qana'ah attitude on the decision to choose savings with a Wadiah yad-dhamanah contract. A quantitative approach with a survey method was utilized in this study, involving 100 students from the Islamic Banking Study Program at UIN Sayyid Ali Rahmatullah Tulungagung, class of 2023. Data collection proceeded through questionnaires, with analysis via multiple linear regression using SPSS. Findings reveal that Islamic financial literacy has a positive and significant influence on the decision to choose Wadiah yad-dhamanah savings (t = 8.364; p < 0.001), whereas Qana'ah attitude also demonstrates a positive and significant influence (t = 14.842; p = 0.001). Simultaneously, both variables have a significant influence on the decision (F = 112.118; p = 0.001), explaining 69.8% of its variation. These findings indicate that the decision to choose Wadiah yad-dhamanah savings is influenced not only by understanding of Islamic financial principles and products, but also by Qana'ah attitude in managing finances. For Islamic banks, the results imply the importance of strengthening Islamic financial literacy education and product communication that emphasizes wise fund management per sharia principles to increase the use of Wadiah yad-dhamanah savings.
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