The Influence of Religiosity and Customer Perception on Interest in Savings
Abstract
Sharia Banking is an institution that functions to collect and channel public funds effectively and efficiently which is useful for improving economic and national quality. The problem that occurs is that the development of Islamic banks is growing, the competition between banks, both conventional banks and Islamic banks, will be increasingly tight. Therefore, the need for efforts from banks to attract customers' savings. The main success of the services provided by banks is not only from internal factors but also external factors. Internal factors include the amount of funds owned by banks and credit, while external factors include the level of trust and bank image. This research aims to analyze and prove that religiosity and perception affect the interest in saving in Islamic banks. The approach used is a quantitative approach using primary and secondary data. The population of this research is the customers of BSI KCP Mojokerto Bangsal as many as 700 customers and the sample obtained is 161 respondents. This sampling uses the Cochran table formula with the respondents' criteria, namely BSI KCP Bangsal customers and aged 17-50 years. Analysis of the data used is SPSS 22 software. This research is survey research conducted through data collection using multiple regression analysis techniques. The results show that the religiosity variable has an influence on interest in saving in Islamic banks with a value of 32.860 > 1.960, while the perception variable has an influence on interest in saving in Islamic banks because the value is 21.954 > 1.960. From these results, Islamic banks have opportunities to improve performance and events that are useful for explaining Islamic bank products to customers.
Downloads
References
Affandi, G. R., & Diah, D. R. (2011). Religiusitas Sebagai Prediktor Terhadap Kesehatan Mental Studi Terhadap Pemeluk Agama Islam. Jurnal Psikologi Tabularasa, 6(1).
Ananda, F., & Setiawan, A. H. (2011). Analisis Perkembangan Usaha Mikro Dan Kecil Setelah Memperoleh Pembiayaan Mudharabah Dari BMT At Taqwa Halmahera Di Kota Semarang [PhD Thesis]. Universitas Diponegoro.
El-Menouar, Y. (2014). The five dimensions of Muslim religiosity. Results of an empirical study. Methods, data, analyses, 8(1), 26.
Ghozali, I. (2018). Aplikasi analisis multivariate dengan program IBM SPSS 25.
Khusairi, H. (2015). Hukum Perbankan Syariah. Al-Qisthu: Jurnal Kajian Ilmu-ilmu Hukum Islam, 13(1).
Kotler, P., Keller, K. L., Ang, S. H., Tan, C. T., & Leong, S. M. (2021). Marketing management: An Asian perspective.
Maika, M. R. (2016). Model Ekonomi Berbagi “Mobile-Seco”(Platform Multi-Sided Markets) Sebagai Ekosistem Sosio-Ekonomi Islami. IQTISHODUNA, 12(2), 47–55.
Masruchin, M. (2014). Wakaf Produktif dan Kemandirian Pesantren: Studi Tentang Pengelolaan Wakaf Produktif di Pondok Modern Darussalam Gontor Ponorogo [PhD Thesis]. UIN Sunan Ampel Surabaya.
Mastiyah, I. (2018). Religiusitas Siswa Madrasah Aliyah dan Sekolah Menengah Atas. Edukasi, 16(3), 294702.
Mauladi, M., Reza, I. F., & Kailani, K. (2018). Religiusitas penyandang tunanetra. Jurnal Psikologi Islam, 5(2), 103–116.
Mayasari, R. (2014). Religiusitas Islam dan kebahagiaan (Sebuah telaah dengan perspektif psikologi). Al-Munzir, 7(2), 81–100.
Meidisa, C., & Susanti, F. (2019). Pengaruh Preferensi Dan Pengetahuan Produk Terhadap Minat Menabung Masyarakat Pada Bank Nagari Unit Layanan Syariah Cabang Pasar Raya Padang.
Metawa, S. A., & Almossawi, M. (1998). Banking behavior of Islamic bank customers: Perspectives and implications. International journal of bank marketing.
Muhammad, M. (2006). Perilaku Konsumen Dalam Perspektif Ilmu Ekonomi Islam. Jakarta, PT Raja Grafindo Persada.
Musyahidah, S., Ermawati, E., & Nurdin, N. (2021). The Effect of Riba Avoidance and Product Knowledge on the Decision to Become a Customer of Islamic Banks. International Journal of Multidisciplinary Research and Analysis, 4(08).
Ningsih, J. S. (2017). Pengaruh Persepsi, Tingkat Religiusitas Dan Disposable Income Terhadap Minat Menabung Di Perbankan Syari’ah (Studi Pada Dosen Uin Raden Intan Lampung) [PhD Thesis]. UIN Raden Intan Lampung.
Robbins, S. P. (2010). Organizational behavior.
Sugiyono, D. (2013). Metode penelitian pendidikan pendekatan kuantitatif, kualitatif dan R&D.
Suhari, Y. (2012). E-Commerce: Model Perilaku Konsumen.
Sulistiowati, S. (2011). Pengaruh Service Quality, Trust, Customer Satisfication Terhadap Loyalitas Mahasiswa pada Lembaga Pendidikan dan Pengembangan Profesi (LP3I) Manyar Surabaya.
Susanti, R. (2016). Hubungan religiusitas dan kualitas kehidupan kerja dengan organizational citizenship behavior (OCB) pada karyawan. Jurnal Psikologi, 11(2), 94–102.
Thoha, M. (2010). Perilaku organisasi: Konsep dasar dan aplikasinya. PT. Raja Grafindo Persada.
Wijayati, E. Y. (2019). Pengaruh Persepsi dan Pengetahuan Terhadap Minat Menabung di Bank Syariah Pada Masyarakat Dukuh Krajan Pulosari Jambon Ponorogo [PhD Thesis]. IAIN Ponorogo.
Yusup, F. (2018). Uji validitas dan reliabilitas instrumen penelitian kuantitatif. Tarbiyah: Jurnal Ilmiah Kependidikan, 7(1).
Siregar, Z., Sugianto, S., & Marliyah, M. (2021). The Effect of Religiosity and Emotional Intelligence on the Performance of the Management of the Student Organization with Motivation as Intervening Variable. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 4(1), 219-232. https://doi.org/10.31538/iijse.v4i1.1501.
Copyright (c) 2022 Yunita Maulidiyah Faha, Masruchin Masruchin, Fitri Nur Latifah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
