THE EFFECT OF KNOWLEDGE, INCOME, RELIGIOSITY, SERVICE QUALITY, AND TRUST ON SAVING DECISIONS: AN EMPIRICAL STUDY OF INDONESIAN SYARIAH BANK CUSTOMERS

Abstract

The gap between the rapid growth of Islamic banking and the public's decision to save is still relatively low, even though the majority of the population is Muslim. This study aims to analyse the influence of knowledge, income, religiosity, service quality, and trust on customers' decisions to save at Bank Syariah Indonesia Merangin Branch. Using a quantitative approach with a survey method involving 175 respondents and PLS-SEM, the results show that religiosity has a positive and significant effect on saving decisions, while knowledge, income, service quality, and trust do not have a significant impact. This research contributes to the development of literature on the behaviour of Islamic banking customers by providing empirical evidence that religiosity plays a more decisive role in saving decisions that have certain social and religious characteristics. Practically, it's important to strengthen marketing and education strategies that integrate Sharia and religious values, as well as community engagement programmes to encourage people to save in Islamic banks.