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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Jurnal Proaksi Al-Kharaj: Journal of Islamic Economic and Business JURMA : Jurnal Program Mahasiswa Kreatif Journal Informatic, Education and Management (JIEM) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ekonomika Dan Bisnis Gemilang: Jurnal Manajemen dan Akuntansi Jurnal Mutiara Ilmu Akuntansi Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen International Journal of Community Engagement Payungi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Akuntansi: Jurnal Riset Ilmu Akuntansi IIJSE Journal of Islamic Economics and Finance Santri : Jurnal Ekonomi dan Keuangan Islam Escalate : Economics and Business Journal Jurnal Cendekia Ilmiah Academia Open
Rahmat Daim Harahap
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Key Factors Shaping Customer Choices of Deposits at BSI KC Binjai: Faktor-faktor Utama yang Membentuk Pilihan Nasabah dalam Menabung di BSI KC Binjai Dea Puspita; Rahmat Daim Harahap; Wahyu Syarvina
Academia Open Vol. 10 No. 1 (2025): June
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11084

Abstract

General Background: The rapid growth of Islamic banking in Indonesia, driven by increasing public awareness of sharia principles, has intensified competition in deposit services. Specific Background: Bank Syariah Indonesia (BSI) KC Binjai, operating in a highly religious region, offers sharia-compliant deposit products using a profit-sharing scheme. Knowledge Gap: Despite prior studies on Islamic banking, limited research addresses customer decision-making specifically regarding sharia deposits in the unique socio-cultural context of Binjai. Aims: This study investigates the influence of religiosity, social factors, and bank reputation on customer decisions to choose sharia deposits at BSI KC Binjai. Results: Using a quantitative descriptive method and regression analysis on data from purposive sampling, findings reveal all three variables significantly affect customer choices, with bank reputation being the most dominant (β = 0.567, p < 0.001). The model explains 78.7% of the variance in customer decisions. Novelty: This research fills a regional gap in the literature by examining deposit decisions in a localized, religiously-influenced market using robust statistical methods. Implications: The results guide BSI KC Binjai and regulators such as OJK in tailoring marketing and policy strategies that emphasize trust, social influence, and religious alignment to enhance customer engagement.HIghlight : Religiosity is the most influential factor in customer decisions to choose sharia deposits at BSI KC Binjai. Regression analysis shows 78.7% of customer decision variance is explained by religiosity, social, and reputation factors. Reputation of the bank has the strongest individual impact among the three variables studied. Keywords : Customer Decisions, Sharia Deposits, Bank Syariah Indonesia, Religiosity, Bank Reputation
Co-Authors Afifa Umami Agung setiawan harahap Alviana Sahrini Nasution Amalia Rahman Nasution Ananda Putri Azni Mtd Ananda Rezeki Isnaini Nasution Angga Laksana Arifin Fauzi Lubis Atika Atika Bella Nurhudiani Dea Puspita Desy Desky Dimas Sanjaya Dwi satia Wardani Fachry Abda El Rahman Fitriani Saragih Fitriani Habibul Mubarok Hendra Harmain Hilma Kholilah Lubis Iman Purdani Imsar Imsar Imsar Irwansyah Putra Marpaung Isnaini Harahap Jhon Lenon Jihan Reswita Kamilah Kamilah Khairun Nisa Kusmilawaty Kusmilawaty Laksamana Aru Sulaiman M Difach Hazairin Nasution M Syawalun Riza M. Irvan Fahrul Sitorus M. Ridwan Marliyah Marliyah Marliyah, Marliyah Mhd Irwan Padli Nst Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Rafi Hagi Muhammad Syahbudi Muhammad Yafiz Mustafa Kamal Rokan Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Muhammad Irwan Padli Nida Nurhayani Pohan Novi Rahmawati Novia Ardhya Garini Nur Laila Nurlaila Rita Anggaraini Riziq Agsyah Rizqia Amanda Roslinda Harahap Royhan Ali Hasyim Hutapea Said Habibi Harahap Salwa Fadhillah Seri Mulyani Siti Salma Sitio Sri Dewi Anggraini SRI RAHAYU Sugianto Sugianto Sugianto Syafira Sardini Syawla Andina Auliya Tri Bagus Pertiwi Tuti Anggraini Wahdatun Thoibah Wahyu Syarvina Waizul Qarni Widya Pangestika Yenni Samri Yenni Samri Julianti Nasution