THE EFFECT OF KNOWLEDGE, BELIEF, PRODUCTS, SERVICES, ANDRELIGIOSITY ON SAVING INTEREST(Case Study on Customers of PT. Bank Syariah Indonesia in Malang City)

The purpose of this research is to find out the effect of knowledge, trust, products, services, and religiousity on interest in saving in customers of PT. Bank Syariah Indonesia in Malang City. This study used a descriptive quantitative approach to data collection using questionnaires. The population of this study was customers of PT. Bank Syariah Indonesia Malang City and determination of samples using non-probability sampling techniques using Malhotra's theory which produced 120 samples obtained from 24 x 5 (number of indicators on research). The research results show that: 1) Knowledge (X1) has no effect on Interest in Saving in customers. 2) Trust (X2) has no effect on Interest in Savings in customers. 3) Product (X3) has no effect on Interest in Savings in customers. 4) Religion (X5) has no effect on interest in saving customers. 5) Service (X4) has an effect on interest in saving customers. 6) Knowledge, Trust, Products, Services, and Religion simultaneously affect Interest in Savings in customers.