Pengaruh Religiusitas, Kualitas Layanan, dan Promosi Terhadap Minat Menabung di Bank Syariah

Abstract

This study aims to analyze the effect of religiosity, service quality, and promotion on interest in saving in Islamic banks. The research uses a quantitative approach with multiple linear regression analysis techniques as the data analysis method. Data collection using purposive sampling technique with a Muslim population domiciled in Central Jakarta. The results obtained from this study show that religiosity and service quality do not affect interest in saving, while promotion affects interest in saving. The religiosity of a Muslim does not affect the person's interest in saving in Islamic banks. Likewise, the quality of services from Islamic banks does not determine a Muslim's interest in saving. Promotion is the only factor in this study that encourages a Muslim's interest in saving in Islamic banks. The high promotion of a Muslim about Islamic banking will increase that person's interest in saving in Islamic banks.
 
 Keywords: Religiosity, Service quality, Promotion, Interest in saving

Pengaruh Religiusitas, Corporate Image Dan Pengetahuan Masyarakat Terahadap Minat Menabung Pada Bank NTB Syariah Di Lombok

“…Alasan peneliti memilih religiusitas karena walaupun tingkat keyakinan seseorang cukup tinggi tidak menentukan minat seseorang untuk menabung di bank syariah. Beberapa hasil penelitian sebelumnya yang dilakukan oleh Sa'diyah (2015), Annisa (2016), Latifah (2016), Hidayati (2018), Fadhilla (2018), Kartika et al (2019), Astuti et al (2020), Resty (2021), Haryono (2021), Fauzi et al (2021), Astuti (2022) membuktikan bahwa religiusitas berpengaruh positif terhadap minat menabung masyarakat pada bank syariah. Hasil penelitian tersebut berbeda dengan penelitian yang ditemukan oleh Sunarsih & Wulandari (2014), Arianto (2017), Rachmawati & Widana (2019), Waadarahmah (2022) bahwa religusitas tidak berpengaruh terhadap minat menabung masyarakat pada bank syariah.…”

“…Sehingga dapat dijelaskan bahwa apabila seseorang memiliki minat untuk menabung maka mereka akan cenderung melakukan suatu tindakan agar keinginan untuk menabung tercapai, salah satu tindakan yang dilakukan yaitu dengan meningkatkan keyakinan, ibadah, dan intelektual agama sebelum memutuskan untuk menabung di Bank NTB Syariah. Hal tersebeut sejalan dengan penelitian terdahulu yang ditemukan oleh oleh Sa'diyah (2015), Annisa (2016), Latifah (2016), Hidayati (2018), Fadhilla (2018), Kartika et al (2019), Astuti et al (2020), Resty (2021), Haryono (2021), Fauzi et al (2021), Astuti (2022) membuktikan bahwa religiusitas berpengaruh positif terhadap minat menabung masyarakat pada bank syariah.…”

Sharia Stocks and Muslim Millennials Investors in Indonesia: Between Religious and Economic Motives

“…The findings of studies examining the connection between religiosity and the selection of sharia-compliant products have not been consistent. The religiosity variable has a detrimental impact on customer decisions when selecting Islamic banking products (Musyaffa & Iqbal, 2022;Zuhirsyan & Nurlinda, 2018). However, the findings of other studies, in which religiosity was found to have a positive and statistically significant effect on customers' decisions to use Islamic bank service products, contradict these findings (Astuty & Umiyati, 2018;Luthfiana & Sari, 2019;Mardiana et al, 2021;Parastika et al, 2021;Zulfison et al, 2020).…”