Factors Of Saving Intention In Islamic Banking Institutions Among University Students In Kelantan

Abstract

Islamic banks provide investment products and services to meet the needs of Muslim consumers, and university students are potential customers for these institutions. The purpose of this research is to investigate the factors of saving intention in Islamic banking institutions among university students in Kelantan. Qualitative research was used in this study. The information is gathered through primary sources like interviews and focus groups were students. This interview selected university students in Kelantan as participants in this study. There are 8 participants who will be selected to assist in providing information about this study. This research also was influenced by previous research to learn about the varied outcomes. This study demonstrates that financial literacy, religiosity, and parental recommendation have a positive and statistically significant effect on university students in Kelantan, Malaysia to save in Islamic banking institutions. To provide the best results, the finding of the factors of saving in Islamic banking institutions among university students in Kelantan has research limitations. The author finds that due to movement limits, the researchers were unable to complete a comprehensive study of university students in Malaysia but only in Kelantan. The researcher expects that after this, there will be a more accurate and in- depth examination of the variables of saving among Malaysian students studying Islamic banking. Practically, this study contributes to the understanding of the Islamic finance industry in Malaysia as a foundation for imagining, developing, and implementing appropriate methods to introduce Islamic banking to others. This study makes use of an improved Theory of Planned Behaviour (TPB) but also the Theory of Reasoned Action (TRA).