Analisis Pengelolaan Dan Inklusi Terhadap Keputusan Menjadi Nasabah Bank Syariah dengan Literasi Pada Gen Z

This research aims to analyze the influence of sharia financial management and sharia financial inclusion on the decision to become a Syariah Bank customer to moderate sharia financial literacy among Gen Z in West Java province. The sample in this research analysis is Gen Z who have become customers of Sharia Bank in West Java province with a total sample of 400 Gen Z. The analysis method for this research uses a descriptive quantitative approach with the SEM-PLS analysis technique, there are three stages in using PLS, namely weight estimate , path estimate, and regression constant value. The research results show that financial management (X1) and sharia financial inclusion (X2) have a significant positive effect on sharia financial literacy (Z) with t-statistics values ​​of 6,727 (X1) and 6,287 (X2), respectively, both of which are greater than 1.96, and p-value 0.000 (<5%). Sharia financial literacy (Z) also significantly influences the decision to become a customer (Y) of Sharia Bank with a t-statistics value of 6.467. Financial management (X1) and sharia financial inclusion (X2) directly influence the decision to become a customer (Y) with t-statistics values ​​of 4.017 and 4.239 respectively. In addition, sharia financial literacy (Z) mediates the influence of financial management (X1) and sharia financial inclusion (X2) on the decision to become a customer (Y), with t-statistics values ​​of 4.413 and 4.747 respectively, showing a strong and significant influence on Gen Z in West Java.