DETERMINANTS OF SAVING DECISIONS AT BANK MUAMALAT LANGSA

Abstract

The aim of this research is to examine the factors that influence savings decisions at Bank Syariah Muamalat Langsa branch office. This type of research is quantitative. The population in this study were customers using savings deposits at Bank Syariah Muamalat Langsa branch office in 2019. The sample was determined based on an accidental sampling technique, which was based on the unknown population formula with 97 respondents. The data collection method in this research uses a questionnaire. The data analysis method used in this research is multiple linear regression. The results of this research show that (1) Service Quality has a partial effect on the decision to save at Bank Syariah Muamalat Langsa branch office, (2) Profit Sharing has a partial effect on the decision to save at Bank Syariah Muamalat Langsa branch office, (3) Product Knowledge has a partial effect partial effect on the decision to save at Bank Syariah Muamalat Langsa branch office, (4) Level of Religiosity partially influences the decision to save at Bank Syariah Muamalat Langsa branch office, and (5) Service Quality, Profit Sharing, Product Knowledge and Level of Religiosity simultaneously influence decision to save at Bank Syariah Muamalat Langsa branch office.