Wadiah: Jurnal Perbankan Syariah
Vol. 10 No. 1 (2026): Wadiah: Jurnal Perbankan Syariah

Decision Model Of Society In Choosing Islamic Banks (Case Study In Semarang Regency Society)

Ayif Fathurrahman (Universitas Muhammadiyah Yogyakarta)
Jyan Curnia Lestari (Universitas Muhammadiyah Yogyakarta1)



Article Info

Publish Date
31 Jan 2026

Abstract

The research entitled Analysis of Factors Influencing People's Decisions to Become Customers of Islamic Banks (Case Study in Semarang Regency Communities) aims to examine the influence of independent variables in the form of Location (X1), Facilities (X2), Service (X3), and Knowledge (X4) on the community's decision to become a customer of an Islamic bank with a case study in the people of Semarang Regency. The subjects in this study were the people of Semarang Regency aged 17-65 years who had become customers of Islamic banks. This research is a type of quantitative research with a sample of 139 respondents who were selected using a purposive sampling method. The data that has been obtained is then processed with the help of IBM SPSS 26.0. The analytical tool used is multiple linear regression. Based on the analysis that has been carried out, the results show that Location has a calculated T value of 4.069, Facilities has a calculated T value of 4.202, Services has a calculated T value of 3.289, and Knowledge has a calculated T value of 2.233. So it can be concluded that Location (X1), Facilities (X2), Service (X3), and Knowledge (X4) have a positive and significant influence on people's decisions to become customers of Islamic banks. Keywords: Location; Facility; Service; Knowledge, Islamic Bank

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Journal Info

Abbrev

wadiah

Publisher

Subject

Description

Wadiah: Jurnal Perbankan Syariah is an research journal in the scope of Islamic Banking published by Fakultas Ekonomi dan Bisnis Islam, UIN Syekh Wasil Kediri. This academic journal serves as a platform for scholarly discussions in Islamic banking studies, following a rigorous peer-review process. ...