Analysis of Determinants of Customer Interest in Using Sharia General Savings Products at BMT Maslahah Kotaanyar
Keywords:
Keywords: Customer interest, Sharia general savings products, BMT
Abstract
Abstract
The development of the Islamic financial industry in Indonesia continues to increase, but the level of public adoption of Islamic financial products remains relatively low, particularly in Islamic microfinance institutions. This condition also occurs at BMT Maslahah Kotaanyar, where public interest in using Islamic general savings products is not yet fully optimal. This study aims to analyze the influence of Islamic compliance, service quality, and ease of access on customer interest in using Islamic general savings products at BMT Maslahah Kotaanyar. This study uses a quantitative approach with a survey method by distributing questionnaires directly to BMT Maslahah Kotaanyar customers. The sampling technique used a purposive sampling method with a total of 100 respondents. Data analysis was performed using multiple linear regression with the help of SPSS application. The results show that Islamic compliance, service quality, and ease of access have a positive and significant effect on customer interest in using Islamic general savings products, both partially and simultaneously. The research findings indicate that public interest in Islamic savings products is not only influenced by religiosity, but also by the quality of service and ease of access provided by Islamic financial institutions.
Keywords: Customer interest, Sharia general savings products, BMT
References
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Panggabean, VE, Natal, R., Tarihoran, R., Sari, DA, Sinambela, A., & N, AT (2026). Econometric Analysis of Factors Influencing Economic Growth in Indonesia Using a Linear Regression Approach . 5 (1), 8828–8842.
Permatasari, I., Badi, N., Zahro, R., & Edtiyarsih, DD (2025). SWOT Analysis Towards M-banking Services and Strategies to Increase Savings at BMT NU in Kraksaan City. Nusantara Research Journal , 1 , 460–464.
Prety Aulya, Dea Windia, Karina Seftianti, Dewi Malinda Salsabila, & Husni Mubarok. (2025). Scope of Banking and Financial Institutions in Indonesia. Journal of Business Economics and Entrepreneurship , 2 (2), 8–14. https://doi.org/10.69714/0nz4kh35
Putri, AP (2026). The Role of Self-Control in Moderating Financial Report Literacy and Behavioral Bias on Generation Z Investment Decisions . 3 (4), 360–374.
Putri, YA (2025). Service Quality and Customer Satisfaction in SABAR Savings Products from a Sharia Economic Perspective: A Study at BMT NU Kadur Pamekasan Branch . 6 (4), 827–838.
Sa'adah, N., Andiansyah, T., Hidayat, T., Amni, C., & Sunyanti, S. (2025). Analysis of Student Grade Distribution and Trends Using Descriptive Statistics and Data Visualization Approaches. Sudo Journal of Informatics Engineering , 4 (3), 203–211. https://jurnal.ilmubersama.com/index.php/sudo/article/view/1233
Safitri, F. (2025). The Role of Sharia Fintech in Increasing Financial Inclusion of Muslim Millennials. Journal of Sharia Economics , 1 (2), 45–58. https://e-journal.stai-almaliki.ac.id/index.php/ekonomisyariah/article/view/308
Wicaksono, BT, & Putra, P. (2025). Financial Planning as an Effort to Strengthen Sharia Financial Literacy among Sukalaksana Village Residents. An-Nizam , 4 (3), 330–340. https://doi.org/10.33558/an-nizam.v4i3.11824
Abdul Aziz. (2025). Study of Muslim Consumer Habits Regarding Intention to Use Islamic Banking Products in Bogor Regency. El-Mal: Journal of Islamic Economics & Business Studies , 6 (1), 434–458. https://doi.org/10.47467/elmal.v6i1.6344
Afifah Aulia Zayrin, Hayatun Nupus, Khalista Khansa Maizia, Siska Marsela, Rully Hidayatullah, & Harmonedi, H. (2025). Analysis of Educational Research Instruments (Validity and Reliability Test of Research Instruments). QOSIM Journal of Social Education & Humanities , 3 (2), 780–789. https://doi.org/10.61104/jq.v3i2.1070
Andini, PA, & Stiawan, D. (2025). Implementation of Maqasid Sharia in Islamic Banking and Its Influence on Public Interest in Indonesia. Sahmiyya Journal , 4 (2), 435–444.
Anwar, K., & Sapa, N. Bin. (2025). Perceptions of Islamic Finance and Interest in Banking Services: Evidence from Students at UIN Alauddin Makassar. Introduction to Finance . 5 (2), 180–195. https://doi.org/10.30762/al-muhasib.v5i2.2890
Arif, W., & Habibi, K. (2025). Mosque Strategies in Improving Community Economy with Cooperatives (Case Study of Oman Al-Makmur Mosque) . 9 (October), 120–138. https://doi.org/10.21070/perisai.v9i2.1863
Atikah, N., & Siti Alfia Ayu Rohmayanti. (2025). Sharia Fintech Product Innovation as a Strategy to Increase Public Interest in Sharia Financial Institutions. Iqtishodiah: Journal of Islamic Economics and Banking , 7 (2), 121–129. https://doi.org/10.62490/iqtishodiah.v7i2.1697
Bella, Ainun Salsa. (2025). 5 1234. Challenges of Differentiated Learning in the Implementation of the Independent Curriculum at Sdn Kuin Utara 1 , 10 , 212–227.
Dwi, A., Hafifah, N., & Putra, TR (2026). The Influence of Service, Promotion and Trust on Public Interest in Using Muamalat Hajj Savings . 2 (3), 147–165.
Fadhil, M., Hermansyah, T., Muda, I., & Soemitra, A. (2025). Descriptive Analysis of Digital Literacy on Interest in Adopting AI-Based Digital Services. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah , 10 (5), 3445–3460. https://journal.um-surabaya.ac.id/Mas/article/view/28852/10039
Fahmalika, RS (2026). Consumer perceptions of trust and security of transactions in digital marketplaces . 4 (5).
Haliza, PY, Rafiza, R., & Simanullang, J. (2025). Application of Multiple Linear Regression in Predicting Human Development Index Based on Economic and Social Factors in West Sumatra. Socius: Journal of Social Sciences Research , 2 (12), 544–554. https://doi.org/10.5281/enodenodo.15696487
Hidayat, R., Umam, R., & Tripalupi, RI (2021). Islamic Banking Financial Performance During the Covid-19 Period and Its Improvement Strategies. Finansha: Journal of Sharia Financial Management , 2 (2), 77–91. https://doi.org/10.15575/fjsfm.v2i2.14207
In, E., & Modern, T. (2025). Modern Financial Systems . 3 (November), 56–61.
Lea Christanti, P., Sri Nugroho, A.J., Setyawanti, D., Marjukah, A., Santoso, A., Purnomo, H., & Prakosa, C. (2025). Factors Influencing Students' Intention to Study Financial Management Information Systems Based on the Theory of Planned Behavior. Journal of Computer Science and Technology (JCS-TECH) , 5 (2), 81–86. https://doi.org/10.54840/jcstech.v5i2.351
Mubarak, MR (2025). Implementation of Kemam .
Muhajil, A., Asril, A., & Azhar, Z. (2024). The Role and Challenges of Islamic Banking in the Global Financial System. Jimmi: Multidisciplinary Student Scientific Journal , 1 (1), 13–23. https://doi.org/10.71153/jimmi.v1i1.98
Mumtaz et al. (2025). STRATEGY TO IMPROVE CUSTOMER LOYALTY OF SYARIAH BANKING: Muhammadiyah University of Jakarta Formal abstract. 4 Customer loyalty is a major aspect in the success of Islamic banking, because. Al Qalam: Journal of Religious and Social Sciences , 19 (2), 1199–1220. https://doi.org/10.15408/aiq.v13i2.23964.8
Murti, AD, Sheviyani, H., & Desiree, HS (2023). As-Syirkah: Islamic Economics & Finacial Journal. As-Syirkah: Islamic Economics & Finacial Journal , 2 (2), 153–161. https://doi.org/10.56672/assyirkah.v3i3.283
Nadin Aminasya1, AS (2024). Central publisher. Central Publishers , 2 , 2048–2054.
Naheri, Rabiatul Adawiyah, & Rahman Ambo Masse. (2024). Development Strategy of Baitul Mal Wattamwil as an Alternative Financing Source for Micro, Small, and Medium Enterprises. Journal of Management and Innovation Entrepreneurship (JMIE) , 1 (2), 238–247. https://doi.org/10.59407/jmie.v1i2.376
Nasruddin. (2023). Journal of Economic Education. Journal of Economic Education Vol 2 No.2 July, 2008 , 3 (2), 79–92.
Nasution. (2023). Journal of Management and Business Studies Literature Review. Journal of Management and Business Studies , 1 (3), 566–577. https://e-journal.naureendigition.com/index.php/pmb
Nuraeni, A., Syah, FH, Satrio, MS, & Satriana, D. (2026). Sharia Financial Literacy and the Interest of the Air Molek Community in BMT Insan Madani . 5 (1), 8697–8704.
Panggabean, VE, Natal, R., Tarihoran, R., Sari, DA, Sinambela, A., & N, AT (2026). Econometric Analysis of Factors Influencing Economic Growth in Indonesia Using a Linear Regression Approach . 5 (1), 8828–8842.
Permatasari, I., Badi, N., Zahro, R., & Edtiyarsih, DD (2025). SWOT Analysis Towards M-banking Services and Strategies to Increase Savings at BMT NU in Kraksaan City. Nusantara Research Journal , 1 , 460–464.
Prety Aulya, Dea Windia, Karina Seftianti, Dewi Malinda Salsabila, & Husni Mubarok. (2025). Scope of Banking and Financial Institutions in Indonesia. Journal of Business Economics and Entrepreneurship , 2 (2), 8–14. https://doi.org/10.69714/0nz4kh35
Putri, AP (2026). The Role of Self-Control in Moderating Financial Report Literacy and Behavioral Bias on Generation Z Investment Decisions . 3 (4), 360–374.
Putri, YA (2025). Service Quality and Customer Satisfaction in SABAR Savings Products from a Sharia Economic Perspective: A Study at BMT NU Kadur Pamekasan Branch . 6 (4), 827–838.
Sa'adah, N., Andiansyah, T., Hidayat, T., Amni, C., & Sunyanti, S. (2025). Analysis of Student Grade Distribution and Trends Using Descriptive Statistics and Data Visualization Approaches. Sudo Journal of Informatics Engineering , 4 (3), 203–211. https://jurnal.ilmubersama.com/index.php/sudo/article/view/1233
Safitri, F. (2025). The Role of Sharia Fintech in Increasing Financial Inclusion of Muslim Millennials. Journal of Sharia Economics , 1 (2), 45–58. https://e-journal.stai-almaliki.ac.id/index.php/ekonomisyariah/article/view/308
Wicaksono, BT, & Putra, P. (2025). Financial Planning as an Effort to Strengthen Sharia Financial Literacy among Sukalaksana Village Residents. An-Nizam , 4 (3), 330–340. https://doi.org/10.33558/an-nizam.v4i3.11824
Published
2026-07-04
How to Cite
Hayatis Naini, P. A., & Romzatul Widad. (2026). Analysis of Determinants of Customer Interest in Using Sharia General Savings Products at BMT Maslahah Kotaanyar. International Journal of Economics, Business and Innovation Research, 5(04), 3105-3128. https://doi.org/10.63922/ijebir.v5i04.4584
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