Pengaruh Pelayanan dan Lokasi terhadap Pengambilan Keputusan dalam Menabung pada PT BPRS Bumi Rinjani Kepanjen Kabupaten Malang

Luk Luk UI Umami; Rita Indah Mustikowati; Candra Wahyu Hidayat

doi:10.37481/jmoi.v5i1.249

Authors

Luk Luk UI Umami Universitas PGRI Kanjuruhan Malang
Rita Indah Mustikowati Universitas PGRI Kanjuruhan Malang
Candra Wahyu Hidayat Universitas PGRI Kanjuruhan Malang

DOI:

https://doi.org/10.37481/jmoi.v5i1.249

Keywords:

Service Quality, Location, Saving Decision, Multiple Linear Regression, Islamic Rural Bank

Abstract

In the banking sector, especially Islamic rural banks, customer decisions are strongly affected by service experience and accessibility of location. This study examines the influence of service quality and location on customers' decision-making in saving at PT BPRS Bumi Rinjani Kepanjen, Malang Regency. Quantitative associative research was applied. The population consisted of 300 active customers. Using Slovin formula, a sample of 75 respondents was obtained through accidental sampling. Data were collected using Likert-scale questionnaires. The data were processed using SPSS version 21 and analyzed with multiple linear regression. The results indicate that both service quality and location have a positive and significant effect on customers' decisions to save. Service quality plays a dominant role, while location also contributes to customer convenience. Simultaneously, both variables significantly influence saving decisions at PT BPRS Bumi Rinjani. This implies that improving service quality and strategic location can enhance customers' willingness to save at the institution, supporting better performance of Islamic rural banking services. Therefore, management should continuously improve service standards and choose strategic locations to increase customer trust and saving decisions in the future effectively.

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