Intellectual Capital, Literacy Sharia Banking and Banking Sharia Service Usage : A Multilevel Effect 
Suseno Hadi Purnomo1, Heslina2, Muhammad Tafsir3, Rusni4
1Suseno Hadi Purnomo*, Management Department, STIEM Bongaya, Makassar, Indonesia.
2Heslina, Management department, STIEM Bongaya, Makassar, Indonesia.
3Muhammad Tafsir, Management department, STIEM Bongaya, Makassar, Indonesia.
Manuscript received on February 28, 2020. | Revised Manuscript received on March 22, 2020. | Manuscript published on March 30, 2020. | PP: 5647-5651 | Volume-8 Issue-6, March 2020. | Retrieval Number: F9855038620/2020©BEIESP | DOI: 10.35940/ijrte.F9855.038620
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© The Authors. Blue Eyes Intelligence Engineering and Sciences Publication (BEIESP). This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/)
Abstract: This study aims to determine the effect of intellectual capital and literacy sharia banking to banking shariah service usage . This research uses quantitative methods and descriptive analysis of primary and secondary data using questionnaires, documentation, library studies and direct observation, the number of samples is 98 people through incidental sampling techniques using multiple linear regression as an analytical tool. Finding this research are intellectual capital has no influence on the use of sharia banking services while sharia banking literacy has an influence on the use of sharia banking services. The study involved 98 respondents banking shariah customer were selected at random. Instruments used for capital intellectual and shariah banking literacy developed by researchers from some of the instruments that have been used in some study previous. Instruments validated by a post hoc analysis of factors involving 98 respondents.
Keywords: Banking Shariah Literacy, Intellectual Capital, Shariah Banking.
Scope of the Article: Service Level Agreements (Drafting, Negotiation, Monitoring And Management).