Pengaruh Religiusitas terhadap Keputusan Menabung di Bank Syariah: Studi pada Generasi Milenial di Lamongan

Aliefety Putu Garnida; Bagus Tri Ardiansah; Ahmad Abroza; Muhammad Ismail

doi:10.62007/joumi.v4i1.909

Pengaruh Religiusitas terhadap Keputusan Menabung di Bank Syariah: Studi pada Generasi Milenial di Lamongan

Authors

Aliefety Putu Garnida Sekolah Tinggi Islam Syariah Darul Ulum Lampung
Bagus Tri Ardiansah Sekolah Tinggi Ilmu Syariah Darul Ulum Lampung Timur
Ahmad Abroza Sekolah Tinggi Ilmu Syariah Darul Ulum Lampung Timur
Muhammad Ismail Sekolah Tinggi Ilmu Syariah Darul Ulum Lampung Timur

DOI:

https://doi.org/10.62007/joumi.v4i1.909

Keywords:

religiosity, saving decision, Islamic banks, millennial generation, Lamongan

Abstract

This study aims to analyze the effect of religiosity on the decision to save in Islamic banks among the millennial generation in Lamongan. A quantitative approach with an explanatory research design was used in this study. Data were collected through a structured questionnaire using a 1–5 Likert scale from 250 respondents aged 25–40 years who were selected through purposive sampling. Data analysis was carried out using simple linear regression after testing for validity, reliability, and classical assumptions. The results of the study show that religiosity has a positive and significant effect on the decision to save in Islamic banks (beta = 0.681; t = 13.042; sig. = 0.000). Religiosity is able to explain 46.4% of the variation in saving decisions. This study reinforces the relevance of the Theory of Planned Behavior in the context of Islamic value-based financial behavior and provides strategic implications for Islamic banks to develop religiosity-based marketing approaches for the millennial segment in regional areas.

References

Abror, A., Patrisia, D., Engriani, Y., Evanita, S., Yasri, Y., & Dastgir, S. (2019). Service quality, religiosity, customer satisfaction, customer engagement and Islamic bank’s customer loyalty. Journal of Islamic Marketing, 11(6), 1691–1705. https://doi.org/10.1108/JIMA-03-2019-0044

Aisyah, M., & Firmansyah, H. (2022). Pengaruh religiusitas dan pengetahuan produk terhadap keputusan menabung di bank syariah. Jurnal Ekonomi Islam, 12(1), 45–62.

Al-Qaradawi, Y. (1994). The lawful and the prohibited in Islam. American Trust Publications.

Andespa, R., Razak, M. I. M., Huda, Y., & Hulwati. (2021). Parsing religiosity and intention to use Islamic mobile banking in Indonesia. Banks and Bank Systems, 16(4), 34–44. https://doi.org/10.21511/bbs.16(4).2021.04

Aunika, V., Sukardi, B., & Susilo, A. (2024). Religiosity, knowledge, and satisfaction on students’ saving decisions: A moderating effect of interest in Islamic banks. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 6(1), 101–126. https://doi.org/10.24239/jipsya.v6i1.256.101-126

Chapra, M. U. (2000). The future of economics: An Islamic perspective. The Islamic Foundation.

Ghozali, I. (2021). Aplikasi analisis multivariate dengan program IBM SPSS 26 (10th ed.). Badan Penerbit Universitas Diponegoro.

Harahap, D., Afandi, A., & Siregar, T. M. (2023). The Islamic banking customers’ intention to use digital banking services: An Indonesian study. Journal of Islamic Monetary Economics and Finance, 9(3), 533–558. https://doi.org/10.21098/jimf.v9i3.1673

Keuangan, O. J. (2025). Statistik perbankan syariah Desember 2023. OJK.

Khotimah, H., Saputeri, N. P., & Warsiyah. (2024). The effect of Islamic financial literacy and religiosity on the interest of saving Generation Z in Islamic banks. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 6(1), 71–86. https://doi.org/10.24239/jipsya.v6i1.247.71-86

Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.

Kurniawan, B. (2023). Pengaruh layanan digital dan religiusitas terhadap keputusan menabung milenial di bank syariah. Jurnal Manajemen Syariah Indonesia, 5(1), 88–104.

Lamongan, B. P. S. K. (2025). Kabupaten Lamongan dalam angka 2025. Badan Pusat Statistik Kabupaten Lamongan.

Majid, R. (2021). The role of religiosity in explaining the intention to use Islamic FinTech among MSME actors. International Journal of Islamic Economics and Finance, 4(2), 207–232. https://doi.org/10.18196/ijief.v4i2.11833

Pebrianti, G. N., & Syarief, M. E. (2025). The influence of Islamic financial literacy, social environment, and public perception on the interest in using Islamic banking products. Journal of Applied Islamic Economics and Finance, 5(2), 14–27. https://doi.org/10.35313/jaief.v5i2.6738

Pratiwi, D., Saputra, R., & Rahma, N. (2021). Religiusitas dan literasi keuangan syariah sebagai determinan keputusan menabung milenial. Jurnal Ilmu Ekonomi Syariah, 4(1), 30–48.

Pratopo, G., & Hasan, I. (2024). The influence of knowledge and religiosity on saving interest in Islamic banks among Ponorogo residents. Journal of Islamic Economics Lariba, 10(1), 419–438. https://doi.org/10.20885/jielariba.vol10.iss1.art23

Rachmatulloh, D. P., & Solekah, N. A. (2021). Antecedents of saving decision at sharia banks: Islamic financial literacy, religiosity and service quality (Studies on millennial generation). Al-Tijary, 6(2), 97–111. https://doi.org/10.21093/at.v6i2.2669

Statistik, B. P. (2025). Proyeksi penduduk Indonesia 2020-2040. BPS.

Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.

Yeni, F., Mulyani, S. R., & Susriyanti. (2023). Islamic financial literacy, spiritual intelligence, public perception and behaviour on public interest in Islamic banking services. Cogent Economics & Finance, 11(1), 2175470. https://doi.org/10.1080/23322039

Downloads

Published

2026-03-30

How to Cite

Aliefety Putu Garnida, Bagus Tri Ardiansah, Ahmad Abroza, & Muhammad Ismail. (2026). Pengaruh Religiusitas terhadap Keputusan Menabung di Bank Syariah: Studi pada Generasi Milenial di Lamongan. Jurnal Multidisiplin Indonesia, 4(1), 330–342. https://doi.org/10.62007/joumi.v4i1.909