The Influence of Religiosity, Knowledge, and Islamic Branding on Customers' Decisions to Save Through Trust at BPRS Bhakti SumekarJember Middle Branch

Authors

  • Ainiyatul Fitriyah postgraduate uin khas jember
Religiosity, Knowledge, Islamic Branding, Customers' Decision to Save, Trust

With the rapid development of Islamic banking every year, resulting in increasingly fierce competition between Islamic banking and conventional banking, increasingly fierce competition requires Islamic banks to be able to retain or attract customers to choose Islamic banks. Various efforts have been made by Islamic banks to attract customers to use the products offered. This aims to make financial services more evenly distributed to the community. In general, the financial services that exist around us are in the form of conventional banking that uses an interest system where the majority of its customers are the upper middle class, the lack of services for the lower middle class, the emergence of Islamic People's Financing Banks (BPRS) is expected to be enjoyed by the lower middle class. . Sharia People's Financing Bank is a form of bank whose management must be based on sharia principles. This study aims to analyze and test empirically the variables in the research that have been formulated in the problem formulation classified as explanatory research, namely whether there is an influence between Religiosity (X1), Knowledge (X2), Islamic Branding (X3) on trust (Z) and Customer Saving Decisions (Y). Sampling in this study used non-probability sampling in the form of purposive sampling where the determination of the sample was by selecting a sample among the population according to what the researcher wanted, namely some people in Jember Regency who were customers at BPRS Bhakti Sumekar, Jember Middle Branch. Data analysis was performed using Path Analysis and triming theory. Hypothesis testing with the help of Statistical Package For Sciences (SPSS) software version 22. Analysis results show Religiosity significant effect on customer confidence in savings at BPRS Bhakti Sumekar Middle Branch Jember, with (Coefficient Standardlize) 0.232 . Knowledgehas a significant effect on customer confidence in saving at BPRS Bhakti Sumekar Middle Branch Jember, with (CoefficientStandardize)0.209 . Islamic Brandinghas a significant effect on customer confidence in saving at BPRS Bhakti Sumekar Middle Branch Jember, with (Coefficient Standardlize)0.281 . _Religiosityhas a significant effect on the decision of customers to save at BPRS Bhakti Sumekar Middle Branch Jember, with (Coefficient Standardlize)0.2 26 . Knowledgehas a significant effect on Customer Saving Decisions at BPRS Bhakti Sumekar Middle Branch Jember, with (Coefficient Standardlize)0.1 96 . Islamic Brandinghas a significant effect on Customer Saving Decisions at BPRS Bhakti Sumekar Middle Branch Jember, with (Coefficient Standardlize)0.202 . And Trust has a significant effect onCustomers' Decisions to Save at BPRS Bhakti Sumekar Middle Branch Jember, with (Coefficient Standardlize) 0.3 93.

2026-06-30
2026-06-30