Decoding Preferences: Unraveling Factors Influencing the Selection of Islamic Banking in the Minas District Community

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Published Apr 25, 2024
DOI https://doi.org/10.33086/jic.v5i2.5719

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Safardilah Arby
Institut Agama Islam Tazkia, Indonesia
https://orcid.org/0009-0000-1858-230X
Anita Priantina
Institut Agama Islam Tazkia, Indonesia

Abstract

Despite the economic growth in the Minas district, the development of Islamic banks remains under-researched, making it an interesting topic for investigation. This study aims to assess the impact of knowledge, religiosity and community attitudes on savings interest in Islamic banks. The variables considered are knowledge (X1), religiosity (X2), attitude (X3) and savings interest rate (Y). Using a quantitative descriptive approach with Structural Equation Modelling Partial Least Squares (SEM PLS), primary data were collected from questionnaires targeting individuals aged 15 years and above in Minas District, Siak Regency, Riau Province. The results show that knowledge and religiosity have a positive and significant influence on Islamic banks, while attitude shows no significant influence. These findings provide crucial insights into the determinants of Islamic banking services at the local level and suggest that Islamic banks and stakeholders should develop more effective marketing and educational strategies. These strategies aim to improve community knowledge, religiosity and attitudes towards Shariah finance and ultimately promote interest in saving, especially in the Minas district.

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How to Cite
Safardilah Arby, & Anita Priantina. (2024). Decoding Preferences: Unraveling Factors Influencing the Selection of Islamic Banking in the Minas District Community. Journal of Islamic Civilization, 5(2), 208–221. https://doi.org/10.33086/jic.v5i2.5719
Issue
Vol. 5 No. 2 (2023): Journal of Islamic Civilizatioan
Section
Articles

Copyright (c) 2024 Safardilah Arby Kamsana

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Islamic Bank, Knowledge, Religiosity, Interest, Attitude

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