Faktor Determinan Keputusan Menabung dengan Minat Sebagai Variabel Intervening

Abstrak

This study aims to determine the effect of religiosity, knowledge, promotion, location and service quality variables on saving decisions.  The religiosity of the people who only view Islamic financial institutions is the same as conventional financial institutions.  The customers' desire to save can be hindered by remote locations, activities and busyness.  In addition, the low level of public knowledge about Islamic financial institutions influences the decision to become a customer of an Islamic financial institution.  The population in this study were members of the Ben Sejahtera BMT Rawalo Banyumas branch.  The number of samples in this study were 92 respondents.  The data obtained was then analyzed using the PLS (Partial Least Square) analysis technique through the SmartPLS 4.0 software.  The results showed that knowledge, promotion, and location factors had no effect on members' interest in saving at Islamic financial institutions.  Meanwhile, the factors of religiosity and service quality are the variables that most influence the interest of traders in making saving decisions at Islamic financial institutions.