The Effect of Religious Level and Perceptions of Riba on Interest in Saving in Sharia Banks

Rahim, Abdul; Ilmiah, Dunyati

doi:10.34001/nuiej.v1i1.63

Cited by 2 publications

(2 citation statements)

References 3 publications

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“…Research conducted by Amini, Muflih, and Marwansyah (2020); Ilfita and Canggih (2021); Widiapraja, Haryono, and Fatah (2021); Nuraini and Hamzah (2022); Janah and Raharja (2023); Khotimah, Saputeri, and Warsiyah (2024) shows that religiosity positively and significantly affects interest in saving in Islamic banks. Different from the research conducted by Murniati, Juliasari, and Hanifah (2020); Mahgalena, Wahab, and Huda (2021); Rahim and Ilmiah (2022); Sodik et al (2022) who say that religiosity does not affect interest in saving at Islamic banks.…”

Section: Introductionmentioning

confidence: 74%

Interest Saving In Islamic Banks: Profit Sharing, Religiosity, Product Diversity, And Moderation By Promotions

Putri,

Ristianawati

2024

Iqtishaduna

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This research aims to analyze the influence of profit sharing, religiosity, and product diversity on interest in saving at Islamic banks, with promotion as a moderating variable. The population of this research is students at private Universities in Central Java, with a total of 465,584 people, according to the latest source from Central Statistics Agency Central Java. The sampling technique used random sampling with a sample size of 100 people after being measured using the Slovin approach. The analysis technique for this research uses multiple linear regression and moderated regression analysis (MRA). The data is processed using IBM SPSS 25 software. This research shows that partially profit sharing, religiosity, product diversity, and promotion positively and significantly affect interest in saving at Islamic banks. Promotion can moderate the relationship between profit sharing and religiosity on interest in saving at Islamic banks. However, promotion cannot moderate the relationship between product diversity and interest in saving at Islamic banks. This research can complement existing theories and be a reference source for further research. It can also be a source of information for Islamic banking to increase customer interest in saving through profit sharing, religiosity, and diversity of products and promotions.

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Section: Introductionmentioning

confidence: 74%

Interest Saving In Islamic Banks: Profit Sharing, Religiosity, Product Diversity, And Moderation By Promotions

Putri,

Ristianawati

2024

Iqtishaduna

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“…Perceived quality refers to customers' assessment of the characteristics of the service provided, such as reliability, responsiveness, assurance, empathy, and physical evidence of the service. The results ofRahmawaty (2014) research show that perceptions of Islamic banks, especially regarding bank interest and profit-sharing systems, positively influence customers' interest in using Islamic banking products. savings option.…”

mentioning

confidence: 94%

The Impact of Sharia Financial Literacy, Religiosity, and Perceived Quality on Investment Decisions on Sharia-Compliant Products

Ahmad Fauzi,

Abdur Rafik

2024

IJEMS

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This research examines the influence of sharia financial literacy on investment decisions in sharia financial products, by considering two moderating variables: perceived quality and religiosity. Quantitative methods were used by collecting data through bold questionnaires via Google Form to 190 respondents who understand sharia financial products. Data analysis was conducted using Structural Equation Modeling based on behavioral finance theory. The research results show that there is a positive influence of sharia financial literacy on investment decisions in sharia financial products. Perceived quality and religiosity do not moderate the influence of financial literacy on investment decisions, but have a direct effect. The implication is that sharia financial literacy influences positive investment decisions. Perceived quality and level of religiosity also influence investment decisions in sharia financial products. These findings are important for the Islamic finance industry in developing effective marketing and service strategies, as well as for educational institutions to increase sharia financial literacy.

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The Effect of Religious Level and Perceptions of Riba on Interest in Saving in Sharia Banks

Cited by 2 publications

References 3 publications

Interest Saving In Islamic Banks: Profit Sharing, Religiosity, Product Diversity, And Moderation By Promotions

Interest Saving In Islamic Banks: Profit Sharing, Religiosity, Product Diversity, And Moderation By Promotions

The Impact of Sharia Financial Literacy, Religiosity, and Perceived Quality on Investment Decisions on Sharia-Compliant Products

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