Student Perceptions of the Advantages of Islamic Financial Products : A Study at Public Universities in Java

The development of the Islamic finance industry in Indonesia is growing rapidly, including among students at public universities. However, students' perceptions of the advantages of Islamic financial products still vary. This study aims to identify and analyze students' perceptions of the advantages of Islamic financial products at several state universities in Java. The method used in this study is a quantitative approach using a survey as a data collection instrument. The research sample consisted of 300 students who were randomly selected at several state universities that have Islamic economics study programs. The data obtained were then analyzed using descriptive statistics and linear regression. The results showed that the majority of students have a positive perception of Islamic financial products, especially in terms of compliance with sharia principles, fairness, and transparency. However, students' perceptions regarding profitability and diversity of Islamic financial products still need to be improved. The findings suggest the importance of increasing Islamic financial literacy among university students so that they can better understand the advantages of Islamic financial products in more depth and applicability in their daily lives.