Enhancing Sharia Assets Among the Youth Through Financial Intelligence

This study delves into the pivotal roles of the Theory of Planned Behavior (TPB) and financial intelligence in shaping Sharia-compliant investment behavior. Spanning from June to August 2023, data was meticulously collected through simple random sampling. Employing SmartPLS version 4 software with the Partial Least-Squares Structural Equation Modeling (PLS-SEM) technique), the analysis reveals that perceptions of behavioral control and financial intelligence are key influencers in Islamic principle-aligned investment decisions. Results, validated by T values (0.725 and 2.569) and β values (-0.051 and 0.263), confirm hypotheses H1 and H2. Additionally, the intricate interplay of Sharia financial literacy, attitudes, subjective norms, and perceived behavioral control significantly contributes to financial intelligence, confirming hypotheses H3, H4, H5, and H6. This research underscores that Sharia financial literacy, positive attitudes, and subjective norms play pivotal roles in enhancing individual financial intelligence, thereby supporting Sharia-compliant investment decision-making.