In recent years, Indonesian Islamic banks have continued to improve their performance and produce increasing profits. According to data from the Financial Services Authority for 2021, the Islamic banking industry in Indonesia has 233 institutions at the end of December. Though it is excellent, it still needs to be improved since the number of Indonesians who choose non-sharia banks lags far behind. The market potential in Riau and the Riau Archipelago is fairly substantial given that the majority of the population is Muslim. Total assets increased by 52.42%, while total deposits increased by 74.64%. The figure is the second highest in northern Sumatra, after Nangroe Aceh Darussalam. The hypothesis on the direct path effect coefficient between Attitude and Ease of Use variables is being tested. The following structural model (inner model) shows the results of the direct effect: In testing the First Hypothesis (H1) with a significant value of 0.000 <0.05 or below 5%, it is concluded that the positive path coefficient value indicates that attitude has a significant positive effect on Saving Interest. The first hypothesis is accepted based on the test results. The significant value achieved in testing the Second Hypothesis (H2) is 0.000 < 0.05 or less than 5%, indicating that the positive path coefficient value implies that Ease of Use has a significant positive effect on Saving Interest. The second hypothesis is accepted based on the test results.
Alam, A. P., & Jureid. (2021). Factor Analysis Which Influences Non Muslims to Become The Customer of Indonesian Shariah Bank in Medan. Jurnal Islamic Circle, 2(1), 16–27.
Ahmed, A., Ahmed, U., Ismail, A. I., Rasool, Y., & Soomro, M. A. (2021). Organizational performance in banking sector of Pakistan: Assessing the impacts of strategic orientation and organizational culture. Global Business Review, 09721509211044307.
Ahmed, U., Phulpoto, W., Umrani, W.A., Abbas, I.A. (2016). Diving deep in employee training to understand employee engagement. The International Journal of Management, 5(1), 1-5.
Ariskha, A., Siregar, M. Y., & Isnaniah, L. K. S. (2020). The Influence of Financial Compensation and Non Financial Compensation Towards The Employee Performance at PT. Jaya Beton Indonesia Medan Branch. Scientific Journal of Management and Business (JIMBI), 1(2).
Ayu, N., Zamroni, A., Rahman, A. S., & Hermawan, T. (2021). Multiple Linear Regression in The Influence Test of Attitude and Behavior Towards The Willingness to Save by Students at Shariah Bank. Intersections, 6(2), 1-10.
Ayu, N., Zamroni, A., Rahman, A. S., & Hermawan, T. (2021). Multiple Linear Regression in The Test of The Influence of Attitude and Behavior on Saving Willingness of Students at Shariah Bank. Intersections, 6(2), 1-10.
Adityandani, W., & Haryono, N. A. (2019). The Influence of Demography, financial attitude, financial knowledge, and interest rate on community saving behavior in Surabaya City. Journal of Science Management (JIM), 7(2), 316-326.
Bakhtiar, M. R., Kartika, E., & Listyawati, I. (2022). The Influencing Factors of Internet Banking User Customer in Mandiri Shariah Bank. Al Tijarah, 6(3), 156. https://doi.org/10.21111/tijarah.v6i3.5696
Pratikto, H., & Sugianto, I. (2017). The Efficiency Performance of Shariah Bank Before and After Global Crisis Based on Development Analysis Data.
Muchlis, M. (2021). The Customer’s Perception Towards Shariah Bank inIndonesia. Scientific Journal of Islamic Economy (JIEI), 7(03), 1793–1798.
Melisa, & Siregar, dian lestari. (2021). Jurnal Fair Value. 4(2), 691–703.
Nurrohmah, R. F., & Purbayati, R. (2020). Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah. Jurnal Maps (Manajemen Perbankan Syariah), 3(2), 140–153. https://doi.org/10.32627/maps.v3i2.135
Nesneri, Y., Hidayati, F., & Novita, U. (2020). Strategi Unit Usaha Syariah Bank Umum Konvensional Dalam Menghadapi Spin Off 2023 (Studi Pada Pt. Bpd Riau Dan Kepulauan Riau. Jurnal Tabarru’: Islamic Banking and Finance, 3(2), 335–346. https://doi.org/10.25299/jtb.2020.vol3(2).5939
Prihanto, H. (2017). An Analysis Towards The Factors Which Influence The Community to Save in Shariah Bank. Profita: Scientific Communication and Tax, 10(1), 1-26.
Roflin, E., & Liberty, I. A. (2021). Population, Sample, and Variable in Medical Research. Penerbit NEM.
Rohmatun, K. I., & Dewi, C. K. (2017). The Influence of Knowledge and Religiosity Towards Purchase Intention in Halal Cosmetics Through Attitude. Journal Ecodemica, 1(1), 27–35. https://ejournal.bsi.ac.id/ejurnal/index.php/ecodemica/article/view/1420
Rini, D. E. S., & Adha, M. A. (2023). Factor Analysis of Attitude, Subjective Norm, and Behavior Control Perceived on The Students’ Interest in Saving at Shariah Bank. JIEIS: Journal of Islamic Economics and Islamic Studies, 1(1), 133-150.
Syariah, P. B. (2021). Multiple Linear Regression in The Test of Attitude Influence. 6(2).
Tabrani, M., Amin, M., & Nizam, A. (2018). Trust, commitment, customer intimacy and customer loyalty in Islamic banking relationships. International Journal of Bank Marketing, 36(5), 823–848. https://doi.org/10.1108/IJBM-03-2017-0054
Tony Sitinjak, M. M. (2019). The Influence of Benefit Perception and Usage Ease Perception Towards The Interest of Go-Pay Digital Payment Service. Management Journal, 8(2).
Umrani, W., Ahmed, U., & Memon, P. (2015). Examining the absorptive capacity construct: A validation study in the Pakistani banking context. Management Science Letters, 5(12), 1053-1058.
Setyarko, Y. (2016). An Analysis of price perception, promotion, service quality, and usage ease on product purchase decision via online.Journal of Economics and Management, 5(2), 128-147.
