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All Journal Jurnal Konseling dan Pendidikan Jurnal ELTIKOM : Jurnal Teknik Elektro, Teknologi Informasi dan Komputer Distribusi JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Pengabdian Magister Pendidikan IPA AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM Jurnal Gema Ngabdi Al-Kharaj: Journal of Islamic Economic and Business Dinasti International Journal of Digital Business Management JOURNAL OF INFORMATION SYSTEM RESEARCH (JOSH) JPIn : Jurnal Pendidik Indonesia Jurnal Abdimas Sangkabira International Journal of Social Science Empiricism Journal ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Asian Journal of Applied Business and Management (AJABM) Jurnal Publikasi Ilmu Manajemen Jurnal Ilmu dan Inovasi Fisika IIJSE International Research Journal of Business Studies Asian Journal of Management, Entrepreneurship and Social Science SEMANIS
Akhmad Saufi
Fakultas Ekonomi Dan Bisnis Universitas Mataram
Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Journal : IIJSE

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Service Quality and Brand Image on Saving Intention in Syariah Banks in Indonesia, Moderated by Religiosity Suheri, Tommy; Saufi, Akhmad; Supryadi, Didy Ika
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9121

Abstract

The Islamic banking industry in Indonesia has experienced steady institutional development, yet its market share remains relatively low, indicating stagnant public interest, particularly in savings products. This study investigates the influence of Service Quality and Brand Image on Saving Intention in Islamic banks, with Religiosity serving as a moderating variable. Using a quantitative associative approach, data were collected from 170 respondents across different regions of Indonesia through an online questionnaire measured with a five-point Likert scale. The analysis was conducted using Partial Least Square (PLS) with SmartPLS software. The findings show that both Service Quality and Brand Image significantly and positively influence Saving Intention, with Brand Image identified as the most dominant factor. Religiosity functions as a pure moderator, strengthening the relationship between Service Quality and Saving Intention as well as between Brand Image and Saving Intention, although it does not directly affect Saving Intention. The model demonstrates strong explanatory power, reflected in an R-square value of 0.912, indicating that 91.2% of the variance in Saving Intention is explained by the examined variables. These results suggest that saving behavior in Islamic banking is shaped not only by rational and functional factors but also by emotional and spiritual considerations. Therefore, Islamic banks should focus on improving service quality, strengthening brand image, and consistently embodying Islamic values ​​to enhance customer loyalty and increase saving intention, while contributing to more effective customer-oriented strategies in the Islamic banking sector.
Co-Authors - Surati A.M., Mursyidhan Ariefbillah Abdul Kholid Adi Indra Pratama Adinda Melisa Putri Afwani, Royana Agus Muliadi, Lalu Agusdin Ahmad Riki Kadri Budiman Athar, Handry Sudiartha Azahra, Nabila Putri Baiq Handayani Rinuastuti Baiq Handayani Rinuastuti Baiq Handayani Rinuastuti Baiq Handayani Rinuastuti, Baiq Handayani Baiq Nikmatul Ulya Bojun, Li Burhanudin Burhanudin Cukup Mulyana Dhanny Safitri Dhio Alfafian Didy Ika Supryadi Diswandi Dora Betari Dwi Budi Santoso Dwi Putra Buana Dwi Putra Buana Sakti Dwi Putra Buana Sakti Dwiyansaputra, Ramaditia Erisfiana Erisfiana Faya Prima Dewi Feriyadin Feriyadin Hairil Anwar Hambali Hambali Handayani Rinuastuti Handayani, Baiq Handry Sudiarta Handry Sudiartha Athar Hanik Setiyowati Hermanto Hermanto Hermanto Hermanto Hidayati, Vina Ayu Husnan, Lalu Hamdani Idham Kholid khairany, Kurnia Khairil Anwar Khairil Anwardin Lalu Anugrah Alwan Saputra Lalu Gagarin Lalu M. Furkan Lalu M. Furkan Lalu Purnama Hadi Mahyuni Mahyuni Muhamad Haikhal Muhammad Rizky Nurawan Mukmin Suryatni Muttaqillah Muttaqillah Nela Febiola Ni Made Febrie Arisandi Alangkajeng NL Rina Budiarti Nopia Lestari Nowo Riveli Nugroho, Agus Setiyo Budi Nurmayanti, Siti Nursakdah Nursakdah Praditia, R Janitra Hendra Putri, Ni Luh Debby Maharani Eka Qudratullah, Akhdiat Rafif Tri Adi Baihaqi Rohadatul Aisy Saddam Husein Saiful Rahman Saputra, Lalu Anugrah Alwan Sri Wahyulina Sugiharto, Guruh Suheri, Tommy Sulhaini Sulhaini Surati, - Suryani, Embun Talitha Almira, Talitha Thatok Asmony Thatok Asmony Thatok Asmony Ulfatisa Cahyani Yafang, Wang