<![CDATA[This study examines how rationality, knowledge, service quality, security, and falah (spiritual and material benefits) influence customers’ interest in saving at Islamic banks in Aceh. Data were collected through structured questionnaires from residents in eight districts using stratified random sampling. The instruments were validated using factor analysis and reliability testing, and hypotheses were tested with multiple linear regression and ANOVA. The results show that rationality (p = 0.091), service quality (p = 0.096), and security (p = 0.439) do not significantly affect saving interest, indicating these factors are perceived as baseline expectations rather than primary drivers. In contrast, knowledge (p = 0.016) and falah (p = 0.023) have positive and significant effects, suggesting that financial literacy and value-based motivations are crucial in shaping saving decisions. Simultaneously, the variables significantly influence saving interest (F = 5.690, p < 0.001), with an explanatory power of R² = 0.267. These findings imply that Islamic banks should prioritize improving customer knowledge of Sharia banking and strengthen communication of ethical and spiritual value propositions to increase saving interest.]]>
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