SERVICE QUALITY AND RELIGIOSITY AS DETERMINANTS OF SAVING DECISIONS IN ISLAMIC MICROFINANCE INSTITUTIONS

Roy Mabruri; Finny Ligery; Agus Setiawan

doi:10.53429/jdes.v13i2.2335

Roy Mabruri Universitas Ma’arif Lampung
Finny Ligery Universitas Ma’arif Lampung
Agus Setiawan Universitas Ma’arif Lampung

DOI: https://doi.org/10.53429/jdes.v13i2.2335

Keywords: Service Quality, Religiosity, Saving Decision, Islamic Microfinance Institutions

Abstract

This study aims to examine the role of service quality and religiosity as determinants of members’ saving decisions in Islamic microfinance institutions. This research employs a quantitative approach with an explanatory design. Data were collected through questionnaires distributed to 77 members of an Islamic microfinance institution and analyzed using multiple linear regression. The results indicate that both service quality and religiosity have a positive and significant effect on members’ saving decisions, both partially and simultaneously. Religiosity is found to have a more dominant contribution compared to service quality. Simultaneously, the two variables explain 74.1% of the variance in saving decisions. These findings suggest that improving service quality alongside strengthening religious values is a crucial strategy to enhance members’ saving decisions in Islamic microfinance institutions.

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