Abstract
The aim of this study is to see the impact of student understanding of the bank's products and services of Islamic banks on the interest of saving by adding religiosity as a moderating variable. The study uses purposive sampling to select 70 respondents. The study employs the MRA (Moderated Regression Analysis) to analyze the data. The results showed that the students' understanding of savings products have a significant effect on the interests of saving. While the quality of service has no significant effect on the interest of saving. Moderating variables or religiosity is associated with a student's understanding has a significant effect of savings products. Next, religiosity is associated with the quality of bank services also have a significant effect.
Highlights
Along with the development of trading, the rapid development of banking will create a particular development inspite of the development of technology
Based on the above results, it can be concluded that student understanding of the bank's products have a significant effect on the interest of savings in Islamic banks
The bank service quality test results has no significant effect on the interest savings in Islamic banks
Summary
Along with the development of trading, the rapid development of banking will create a particular development inspite of the development of technology. The technology is already widely used in the bank's operations in the present so it can increase the customer interest to save money in the Bank. Interest is the willing of someone to an object. The interest will be caused by several factors that are seen from the object. Interests has a big influence that could make someone put attention on those objects. According to Kotler and Keller (2006) state that interest is a decision of the behavior of a consumer after assess, acquire and use goods and services economy.
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