INFLUENCE OF RELIGIOSITY, SERVICE QUALITY AND LOCATION ON THE DECISION TO BECOME A CUSTOMER OF BANK SYARIAH INDONESIA (CASE STUDY OF BANK SYARIAH INDONESIA JEMBER BRANCH) Azizah Noer Andini, S.E
Department islamic economic faculty of economic and business university of Airlangga
Abstract
This study was conducted to determine and analyze the influence of religiosity, service quality, and location on
decision to become a customer of Bank Syariah Indonesia Jember. The analytical technique used in this research is
multiple linear regression analysis using SPSS 25 to determine the effect between religiosity variables,
service quality, and the location of Bank Syariah Indonesia on the decision to become a customer. The sample used in
This research is as many as 100 = 5 respondents. Where the data acquisition is done through the distribution of questionnaires to
customers who use Bank Syariah Indonesia savings. The results of this study indicate that religiosity,
service quality and the location of Bank Syariah Indonesia outlets have a positive and significant impact on the decision to become
customer. Results Based on the research that has been done, the multiple linear regression equation Y = 3.539 + 0.211
X1 + 0.232 X2 + 0.144 X3 + e. The results of the t test show t count on the religiosity variable = 2,670 with a significance value of
= 0.009 <0.05, which means that the religiosity variable has a positive influence on the customer^s decision to become a bank customer
Indonesian Sharia. The results of the t test show t count on the service quality variable = 3.562 with a significance value of 0.001
> 0.05 means that the service quality variable has an influence on the decision to become a Sharia Bank customer
Indonesia. The results of the t test show t count on the location variable = 2.027 with a significance value of 0.045 <0.05 which means
the location variable has a positive influence on the decision to become a customer of Bank Syariah Indonesia.
While on the F test, the results obtained that the variables of religiosity, service quality, and location with a significance value of 0.000
<0.05 and F count of 15.323, it can be said that simultaneously all variables affect
decision to become a customer of Bank Syariah Indonesia Jember Regency.
