The influence of knowledge, motivation, and religiosity on the decision of easy wadiah savings customers with trust as an intervening variable

Nugraha, Diki Egie and Khusnudin, Khusnudin (2024) The influence of knowledge, motivation, and religiosity on the decision of easy wadiah savings customers with trust as an intervening variable. Jurnal Tabarru’ : Islamic Banking and Finance, 7 (1). pp. 220-235. ISSN p-ISSN 2621-6833 e-ISSN 2621-7465

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Abstract

Sharia banking in Indonesia has experienced significant growth until 2022, with the number of institutions reaching 198, including sharia commercial banks, sharia business units, and sharia people's financing banks. Bank Syariah Indonesia, as a pioneer in the development of modern Islamic banks, haspresented superior products such as Easy Wadiah Savings which are popular with the public. To remain competitive, Bank Syariah Indonesia continues to strive to provide the best service with a focus on public trust. The research was conducted to analyze the influence of knowledge, motivation, and religiosity on customer decisions directly and indirectly. The study used a quantitative approach with the population of Easy Wadiah Savings customers in Malang City. A minimum sample of 50 respondents was determined using statistical methods. The results showed that motivation, religiosity, and trust significantly influenced customer decisions. Trust also mediates the relationship between knowledge and motivation and customer decisions. The Structural Equation Model (SEM) analysis method based on Partial Least Square (PLS) is used to test research hypotheses with the SmartPLS 4.1.0.0 application.

Item Type:	Journal Article
Keywords:	knowledge; motivation; religiosity; trust; customer decisions
Subjects:	14 ECONOMICS > 1402 Applied Economics > 140207 Financial Economics
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Khusnudin Khusnudin
Date Deposited:	19 Jun 2024 14:52

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