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Determinants of Intention to Use Savings Account at Islamic Microfinance Institution: A Case Study of BMT UGT Nusantara
Abstract
Purpose –In the Socah area, there is a sharia-based financial institution called BMT UGT Nusantara Capem Socah. This customer growth occurred in the midst of increasingly fierce competition between banks. Therefore, it is crucial to determine what motivates the members of the organization to save. Important considerations for members when deciding to save are location, quality of service, and knowledge of usury. The purpose of this study is to find out how much location, service quality, and usury knowledge affect the intention to use savings account at BMT UGT Nusantara Capem Socah.
Methodology -The research method uses a quantitative analysis approach by utilizing primary and secondary data sources and using the statistical analysis tool SPSS 25. One hundred BMT members participated in helping researchers obtain data. This test was analyzed by instrument tests which included, Validity and Reliability Test, classical assumption test, namely normality test, linearity test, multicollinearity test, and heteroscedasticity test, multiple regression analysis test.
Findings -The results of this study stated that the location variable did not have a significant influence on members' intention to use savings account. Meanwhile, the quality of service and knowledge about riba have a significant effect on the intention to use savings account at BMT UGT Nusantara Capem Socah. Simultaneously, the variables of location, service quality and knowledge about riba both affect the intention to use savings account at BMT UGT Nusantara Capem Socah.
Keywords: Intention to use savings account; Islamic Microfinance; Sharia Cooperative
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DOI: https://doi.org/10.17509/rief.v8i1.80447
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