Society of Sumatera and Java’s Preference to Save in Islamic Banking

The research aims to identify the factors influencing the preference of the community for saving in Islamic banks. The respondents of this study are residents of Java and Sumatra, totaling 53 respondents. In this research, the independent variables used are the location factor (X1), service quality factor (X2), and knowledge factor (X3), while the dependent variable used is preference (Y). This study adopts a quantitative method, specifically multiple linear regression analysis processed using the SPSS tool, aimed at analyzing the influence of independent variables on the dependent variable. The research findings indicate that the variables influencing the preference for saving in Islamic banks are the service quality factor with a positive significant level of 0.033 and the knowledge factor with a positive significant level of 0.017. Meanwhile, the location factor variable does not significantly influence the preference for saving in Islamic banks partially, with a probability value of the t-statistic of 0.62. Additionally, simultaneously, all variables are declared to have a significant effect with a significance level of 0.000, indicating that simultaneously the location factor, service quality factor, and knowledge factor significantly influence the preference for saving in Islamic banks