Peran Religiusitas dalam Memoderasi Persepsi, Preferensi dan Pengetahuan Terhadap Minat Menjadi Nasabah di Bank Syariah Indonesia

Abstract

This study aims to test the influence of perception, preference and knowledge on the interest of being a customer in Islamic banks with religiosity as a moderation variable. This research uses a type of field research with a quantitative approach. The data source in this study is primary data obtained from the results of questionnaires with assessments using the likert scale. The population in this study was 100 respondents. In data analysis, the data analysis technique used is regression analysis in moderation. The results showed that perception affects the interest in becoming a customer, but preferences and knowledge have no effect on the interest in becoming a customer. Then religiosity can moderate the perception of interest in being a customer, while religiosity cannot moderate preferences and knowledge of interests in becoming a customer.

Role of Religiosity in Moderating Factors Affecting Customer's Preference to Choose Financing

“…Hasanah (2019) explains that religiosity is one of the factors that influence preferences in choosing sharia products. The results of this study confirm previous research conducted by Araffi & Haryono (2022) which stated that religiosity is a moderating factor in choosing sharia products. Religiosity portrays an important position in supporting or strengthening the role of customers' economic potential in choosing financing preferences.…”

Sharia Banking Trust: Analyzing the Influence of Religiosity and Perceptions in Bank Sharia Bukittinggi Branch

“…The application of religiousness in financial transactions plays an important role in building trust between customers and Sharia banks. By upholding religious values and offering Sharia-based financial products, Islamic banks can attract and retain loyal customers who prioritize their religious beliefs in their financial decisions (Rhamdhan & Riptiono, 2023), (Araffi & Haryono, 2022).…”

“…Perceptions have a significant influence on customer confidence in Sharia banks (Maulidya & Putra, 2023). Customer perceptions of services provided by Islamic banks, such as profit sharing and adherence to Islamic principles, play an important role in shaping their trust in these banks (Araffi & Haryono, 2022). Customer perception is influenced by factors such as knowledge, awareness, attitude, and subjective norms (Azhmy, 2020).…”