Understanding the determination of non-muslim students to adopt Islamic Banking system

This study investigates how non-Muslim students at Universiti Malaysia Kelantan (UMK) understand and use Islamic banking. The fundamentals of Islamic banking are that it must adhere to Shariah compliance and operate free from usury, gambling, and speculation. Malaysia's Islamic banking system was founded in 1983 and offers both Muslim and non-Muslim customers. Islamic banking is currently usually used for PTPTN loan deposits and university tuition; Muslim students in particular, use it widely because they are familiar with Sharia. Non-Muslims also argue that some people choose Islamic banking despite obstacles rather than religious conviction. The difficulty faced by non-Muslims in implementing the Islamic banking system stems from the incorrect use of the term "Islam" in the media. objective in addition to that, ignorance of the principles and tools of Islamic banking and fear associated with terrorism. Low confidence due to competitiveness in using the Islamic banking system. In addition, this study uses a qualitative approach to capture the seriousness of non-Muslim students to practice the Islamic banking system. In realizing it, the method of The Theory of Planned Behaviour is appropriate. While face-to-face interview and observation techniques are applied in achieving the goals and objectives of this study. Data will be analyzed step by step with detailed filtering techniques according to each theme and sub-theme. In the data collection process, 5 informants consisted of non-Muslim students at Universiti Malaysia Kelantan. Findings have been successfully achieved. This study attempts to assess the knowledge and understanding of non-Muslim UMK students about Islamic banking and determine the variables that influence their acceptance.