Determinants Of Saving Interest In Islamic Banks: The Role Of Religiosity, Accessibility, And Income In Sumberagung Village

Wibowo, Kerishna Mukti and Solekah, Nihayatu Aslamatis ORCID: https://orcid.org/0000-0002-6722-8283 (2026) Determinants Of Saving Interest In Islamic Banks: The Role Of Religiosity, Accessibility, And Income In Sumberagung Village. EKOMBIS REVIEW Jurnal Ilmiah Ekonomi dan Bisnis, 14 (1). pp. 55-68. ISSN 2716-4411

Text Ekombis Published Januari 2026.pdf Download (468kB)

Abstract

This study aims to determine the influence of religiosity, accessibility, and income on the saving interest in Islamic banks among the community of Sumberagung Village, Gandusari District, Blitar Regency. This research uses a quantitative method with 98 respondents from the village as the research subjects. The sampling technique used was purposive sampling. Data analysis was conducted using multiple linear regression analysis with the help of IBM SPSS Statistics version 26 software. The variables studied were religiosity (X1), accessibility (X2), income (X3), and the saving interest in Islamic
banks among the village community (Y). The results showed that religiosity, accessibility, and income level significantly influence the saving interest of the village community in Islamic banks. The finding of this study indicates that the accessibility variable has a greater value compared to religiosity and income level, which means that accessibility has a more dominant influence on the saving interest of the village community in Islamic banks. The implication of this result is the importance of improving the accessibility of the community to Islamic banking services, both in terms of location, infrastructure, and
the availability of supporting information and technology.

Item Type:	Journal Article
Keywords:	Religiosity, Accessibility, Income, Saving Interest, Islamic Bank
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150501 Consumer-Oriented Product or Service Development
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Nihayatu Aslamatis Solekah
Date Deposited:	27 Jan 2026 13:41

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