MILLENNIALS' INTEREST IN SHARIA HOME FINANCING PRODUCTS IN SURAKARTA
Abstract
This study aims to analyze the factors influencing millennial interest in sharia-compliant home ownership financing (KPR) products in Surakarta, focusing on the variables of religiosity, attitude, knowledge, and subjective norms. Data were collected from 106 millennial respondents using a Likert-scale questionnaire and analyzed using multiple linear regression after the instrument was declared valid and reliable and met classical assumptions. The results showed that the regression model was suitable for use, with an ability to explain 69.3 percent of the variance in interest. Partially, religiosity and attitude had a significant positive effect on interest in sharia-compliant home ownership financing (KPR), while knowledge and subjective norms showed no significant influence. These findings confirm that religious considerations and the formation of an economic-pragmatic attitude are the main determinants in increasing millennial interest in sharia-compliant home ownership financing (KPR) in urban areas.
Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi minat generasi milenial di Surakarta terhadap produk pembiayaan kepemilikan rumah (KPR) syariah dengan fokus pada variabel religiusitas, sikap, pengetahuan, dan norma subjektif. Data dikumpulkan dari 106 responden milenial melalui kuesioner berskala Likert dan dianalisis menggunakan regresi linier berganda setelah instrumen dinyatakan valid dan reliabel serta memenuhi asumsi klasik. Hasil penelitian menunjukkan bahwa model regresi layak digunakan dengan kemampuan menjelaskan varians minat sebesar 69,3 persen. Secara parsial, religiusitas dan sikap berpengaruh positif signifikan terhadap minat KPR syariah, sedangkan pengetahuan dan norma subjektif tidak menunjukkan pengaruh signifikan. Temuan ini menegaskan bahwa pertimbangan religius dan pembentukan sikap ekonomis-pragmatis menjadi penentu utama dalam meningkatkan minat milenial terhadap KPR syariah di kawasan perkotaan.
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