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Abstract
Introduction
The development of Islamic banks in Indonesia is pivotal for the growth of the Islamic economy, given the country's majority Muslim population. However, the adoption rate of Islamic banking services remains relatively low compared to the overall Muslim population, highlighting the need to understand the factors influencing customer interest in saving with Islamic banks.
Objectives
This study aims to examine the impact of Sharia labels, product knowledge, and location on the interest in saving among merchants in Pasar Besar, Malang. Specifically, it seeks to determine how these factors individually and collectively influence customers' decisions to save in Islamic banks.
Method
A quantitative research approach was employed, utilizing non-probability purposive sampling to gather data from 135 respondents through questionnaires. The analysis was conducted using IBM SPSS to perform validity, reliability, normality, heteroscedasticity, multicollinearity, and multiple linear regression tests to validate the hypotheses.
Results
The findings indicate that Sharia labels, product knowledge, and location significantly affect the interest in saving. Specifically, the t-test results show that each variable has a statistically significant impact, with t-values greater than the t-table value of 1.978. Additionally, the F-test confirms that these variables collectively influence the interest in saving, with an F-value of 50.579 exceeding the threshold of 2.67.
Implications
The study's implications for further research suggest exploring additional factors such as customer service quality and financial incentives, and employing mixed-method approaches to gain deeper insights. For policymakers and Islamic banks, the findings highlight the importance of enhancing Sharia compliance visibility, improving customer education on Islamic banking products, and strategically locating bank branches to attract more customers.
Originality/Novelty
This study offers a novel exploration of the combined effects of Sharia labels, product knowledge, and location on saving interest in the context of Islamic banking. It provides new insights into customer behavior in a specific market segment, contributing to the broader understanding of factors that influence the adoption of Islamic financial services.
Keywords
Article Details
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References
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References
Ahmadi, R., & Siswanto, S. (2023). Pengaruh service quality dan tingkat religiusitas terhadap minat menabung di Bank Syariah Indonesia [The influence of service quality and level of religiosity on interest in saving at Bank Syariah Indonesia]. Ekonomis: Journal of Economics and Business, 7(1), 164–170. https://doi.org/10.33087/ekonomis.v7i1.773
Ainia, N. (2023). Pengaruh electronic word of mouth, electronic service quality, dan labelisasi Syariah terhadap purchase intention pada nasabah Bank Syariah di Kota Malang [The influence of electronic word of mouth, electronic service quality, and Sharia labeling on purchase intention of Sharia Bank customers in Malang City] [Bachelor’s thesis, Universitas Islam Negeri Maulana Malik Ibrahim]. http://etheses.uin-malang.ac.id/50872/
Al Arif, M. N. R. (2012). Dasar-dasar pemasaran bank syariah [Basics of Islamic bank marketing]. Alfabeta. https://inlislite.uin-suska.ac.id/opac/detail-opac?id=2602
Al Idrus, S., Abdussakir, A., Djakfar, M., & Al Idrus, S. (2021). The Effect of Product Knowledge and Service Quality on Customer Satisfaction. The Journal of Asian Finance, Economics and Business, 8(1), 927–938. https://doi.org/10.13106/JAFEB.2021.VOL8.NO1.927
Alwathoni, R. H. (2022). Pengaruh product knowledge, brand image dan brand trust terhadap loyalitas nasabah Bank Syariah Indonesia (BSI) (Studi kasus pada nasabah Bank Syariah Indonesia berdomisili di Tangerang Selatan) [The influence of product knowledge, brand image and brand trust on customer loyalty of Bank Syariah Indonesia (BSI) (Case study of Bank Syariah Indonesia customers domiciled in South Tangerang)] [Bachelor’s thesis, Universitas Islam Negeri Syarif Hidayatullah Jakarta]. https://repository.uinjkt.ac.id/dspace/handle/123456789/64107
Asmaranda, E. P. (2018). Redesain Pasar Besar Kota Malang [Redesign of the Malang City Big Market] [Bachelor’s thesis, Universitas 17 Agustus 1945 Surabaya]. http://etheses.uin-malang.ac.id/44224/
Asraf, A., Lubis, M. S., & Erdawati, E. (2017). Religiusity moderation on the effect of sharia label equity in decision of selecting Sharia Bank Mandiri product in West Pasaman. UNES Journal Of Social and Economics Research, 2(1), 72–84. https://ojs.ekasakti.org/index.php/UJSCR/article/view/88
Bank Syariah Indonesia. (2023). Laporan Tahunan 2022 [2022 Annual Report]. Bank Syariah Indonesia. https://ir.bankbsi.co.id/misc/AR/AR2022-ID/
Blankson, C., Omar, O. E., & Cheng, J. M.-S. (2009). Retail bank selection in developed and developing countries: A cross-national study of students’ bank-selection criteria. Thunderbird International Business Review, 51(2), 183–198. https://doi.org/10.1002/tie.20257
Chigamba, C., & Fatoki, O. (2011). Factors influencing the choice of commercial banks by university students in South Africa. International Journal of Business and Management, 6(6), 66–76. https://doi.org/10.5539/ijbm.v6n6p66
Hakim, F. W. (2020). Pengaruh pengetahuan dan religiusitas terhadap minat nasabah menggunakan produk bank syariah (Studi kasus Bank Syariah Mandiri Kantor Cabang Kota Bandar Lampung Tahun 2019) [The influence of knowledge and religiosity on customer interest in using sharia banking products (Case study of Bank Syariah Mandiri Bandar Lampung City Branch Office 2019)] [Bachelor’s thesis, Universitas Islam Negeri Syarif Hidayatullah Jakarta]. https://repository.uinjkt.ac.id/dspace/handle/123456789/55353
Hardyansah, R., Jahroni, J., Darmawan, D., Arifin, S., & Negara, D. S. (2023). Student interest in becoming customers of Islamic banks in terms of religiosity and product knowledge. International Journal of Service Science, Management, Engineering, and Technology, 4(1), 5–10. https://ejournalisse.com/index.php/isse/article/view/67
Hasan, I. (2017). Pengukuran kepuasan nasabah terhadap implementasi syariah marketing pada PT. Bank Syariah Mandiri Cabang Malang [Measuring customer satisfaction with the implementation of sharia marketing at PT. Bank Syariah Mandiri Malang Branch]. EL DINAR: Jurnal Keuangan dan Perbankan Syariah, 5(1), 42–52. https://doi.org/10.18860/ed.v5i1.5234
Hati, S. R. H., Wibowo, S. S., & Safira, A. (2020). The antecedents of Muslim customers’ intention to invest in an Islamic bank’s term deposits: Evidence from a Muslim majority country. Journal of Islamic Marketing, 12(7), 1363–1384. https://doi.org/10.1108/JIMA-01-2020-0007
Janah, N. (2020). Pengaruh tingkat pengetahuan dan kepercayaan nasabah terhadap minat menabung di bank syariah [The influence of customers’ level of knowledge and trust on their interest in saving at sharia banks] [Bachelor’s thesis, Institut Agama Islam Negeri Metro]. https://repository.metrouniv.ac.id/id/eprint/2913/
Khairunnisa, B. V., & Hendratmi, A. (2019). The influence of product knowledge and attitude towards intention in mudharabah funding products in sharia banks in Mataram. KnE Social Sciences, 663–677. https://doi.org/10.18502/kss.v3i13.4239
Mokhlis, S., Salleh, H. S., & Mat, N. H. N. (2011). What do young intellectuals look for in a bank? An empirical analysis of attribute importance in retail bank selection. Journal of Management Research, 3(2), E14. https://doi.org/10.5296/jmr.v3i2.701
Mulyani, S., & Patriani, N. (2023). Determinants of customer interest to saving in sharia bank. Proceedings of the International Conference of Islamic Economics and Business (ICONIES), 9(1), 199–210. http://conferences.uin-malang.ac.id/index.php/iconies/article/view/2311
Mutmainnah, N. A., & Solekah, N. A. (2023). Pengaruh word of mouth, kualitas pelayanan, dan lokasi terhadap keputusan menjadi pelanggan pada BMT Babussalam Mojoagung Jombang [The influence of word of mouth, service quality, and location on the decision to become a customer at BMT Babussalam Mojoagung Jombang]. OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi, 7(2), 153–163. https://doi.org/10.23969/oikos.v7i2.8285
Nugraha, J. P., Alfiah, D., Sinulingga, G., Rojiati, U., Saloom, G., Rosmawati, Fathihani, Johannes, R., Kristia, Batin, M. H., Lestari, W. J., Khatimah, H., & Beribe, M. F. B. (2021). Teori perilaku konsumen [Consumer behavior theory] (A. Jibril, Ed.). PT. Nasya Expanding Management.
Nugraha, W. S., Chen, D., & Yang, S.-H. (2022). The effect of a Halal label and label size on purchasing intent for non-Muslim consumers. Journal of Retailing and Consumer Services, 65, 102873. https://doi.org/10.1016/j.jretconser.2021.102873
Nugraheni, P., & Widyani, F. N. (2020). A study of intention to save in Islamic banks: The perspective of Muslim students. Journal of Islamic Marketing, 12(8), 1446–1460. https://doi.org/10.1108/JIMA-11-2019-0233
Nugroho, A. P., Atmaja, F. F., Mutaalimah, S., Andriansyah, Y., & Achiria, S. (2021). The effect of price, product quality and religiosity on purchasing behavior of halal-labeled Sariayu beauty products. 2nd Southeast Asian Academic Forum on Sustainable Development (SEA-AFSID 2018), 348–352. https://doi.org/10.2991/aebmr.k.210305.062
Nurfitriani, & Hidayati, U. (2021). Pengaruh produk dan lokasi terhadap minat menabung masyarakat di Bank Syariah Indonesia KCP Polewali [The influence of product and location on people’s interest in saving at Bank Syariah Indonesia KCP Polewali]. BANCO: Jurnal Manajemen dan Perbankan Syariah, 3(2), 131–138. https://doi.org/10.35905/banco.v3i2.5223
Peter, J. P., & Olson, J. C. (2004). Consumer behavior and marketing strategy (7th edition). McGraw-Hill Education - Europe.
Purnomo, S. D., Cahyo, H., & Mukharomah, S. A. (2021). Analisis faktor-faktor yang mempengaruhi minat menabung di bank syariah pada masyarakat Kabupaten Banyumas [Analysis of factors that influence the interest in saving at sharia banks among the people of Banyumas Regency]. J-MAS (Jurnal Manajemen Dan Sains), 6(2), 343–350. https://doi.org/10.33087/jmas.v6i2.273
Puspitasari, N. S., & Safitri, R. (2022). Peran bauran pemasaran dan digital marketing dalam meningkatkan minat menabung di KSPPS BMT NU Jombang [The role of the marketing mix and digital marketing in increasing interest in saving at KSPPS BMT NU Jombang]. Jurnal Tabarru’: Islamic Banking and Finance, 5(2), 465–473. https://doi.org/10.25299/jtb.2022.vol5(2).9579
Putra, E. R. H., & Mulazid, A. S. (2019). Pengaruh Lokasi, Bagi Hasil dan Promosi terhadap Proses Keputusan Nasabah Menabung di PT Panin Dubai Syariah Bank [The influence of location, profit sharing and promotion on the customer’s decision process to save at PT Panin Dubai Syariah Bank]. Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam, 3(1), 1–17. https://doi.org/10.31332/lifalah.v3i1.1184
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