STUDENTS UNDERSTANDING OF SAVINGS PRODUCTS AND SERVICE QUALITY OF BANK TOWARDS THE SAVING INTEREST IN ISLAMIC BANK religiosity as moderating variable (Studies of the student of Islamic Banking Department UIN Ar-Raniry in 2015 Entrance Year)

Abstract

The aim of this study is to see the impact of student understanding of the bank's products and services of Islamic banks on the interest of saving by adding religiosity as a moderating variable. The study uses purposive sampling to select 70 respondents. The study employs the MRA (Moderated Regression Analysis) to analyze the data. The results showed that the students' understanding of savings products have a significant effect on the interests of saving. While the quality of service has no significant effect on the interest of saving. Moderating variables or religiosity is associated with a student's understanding has a significant effect of savings products. Next, religiosity is associated with the quality of bank services also have a significant effect.

Push – pull – mooring determinants of non-Muslims’ withdrawal from Islamic banking: evidence from Malaysia

“…In addition, study on bank asset securitization towards impact of RELG by Abdelsalam et al (2021) revealed that bank in countries with high RELG adherence are likely to have Islamic banks engage in highly monitored asset securitization models to improve portfolio diversification, financial performance and regulatory compliance. In relation to this, Lianda et al (2020) research proves that RELG significantly associated with the quality of bank service.…”

“…Moreover, the effect of RELG on the withdrawal of non-Muslims from Islamic banking can vary between individuals and communities (Abdelsalam et al , 2021; Lianda et al , 2020). Using PPM theory, Rhoudri and Benazzou (2022) examine Moroccan profit-sharing investment account holders’ deposit withdrawal intentions, used structural equation modelling to evaluate variables in a quantitative survey of 166 depositors from five Moroccan banks.…”