Abstract :

Research on Sharia Bank is currently relevant due to the rapid growth of the Shariah financial industry, increasing public interest, as well as government support, focusing on factors such as customer trust and the influence of religiosity and perception on customer trust.

The purpose of this study is to investigate how customer trust at the Bank Nagari Sharia Bukittinggi Branch is impacted by beliefs and religiosity. All Bank Nagari Bukittinggi City Branch customers made up the research population. The research population consisted of all customers of Bank Nagari Bukittinggi City Branch, with sampling using a purposive sampling technique which resulted in 150 respondents as samples. The analytical method used is the multiple linear analysis method.

The research results show that customer religiosity does not have a significant influence on their level of trust in Bank Nagari Syariah Bukittinggi Branch. However, customer perceptions of the bank have a significant influence on the level of customer trust in the bank.

This research provides an important contribution to understanding the factors that influence customer trust in Sharia banks, especially in the context of Bank Nagari Sharia Bukittinggi Branch. The results of this research can be a basis for the bank to improve its service and communication strategies to customers, by taking more into account customer perception factors.

---

Keywords :

Perception, Religiosity, Trust

---

References :

1. Araffi, M., & Haryono, S. 2022. Peran Religiusitas dalam Memoderasi Persepsi, Preferensi dan Pengetahuan Terhadap Minat Menjadi Nasabah di Bank Syariah Indonesia. J-MAS (Jurnal Manajemen Dan Sains), 7(2), 461. https://doi.org/10.33087/jmas.v7i2.431
2. Azhmy, M. F. 2020. the Influence of Perception and Attitude Towards the Customer Behaviour in Using Sharia Banking Financial Services in Medan. Nisbah: Jurnal Perbankan Syariah, 6(2), 99. https://doi.org/10.30997/jn.v6i2.3289
3. Amir Y. 2021. Development of a Religiosity Scale for Muslim Subjects.
4. Indonesian  Journal for The Psychology of Religion. 1(1), 47-60
5. Dahmiri, D. 2020. Influence of products and principles of Sharia bank on customer decision with perception as an intervening variable in Bank Jambi Syariah. Jurnal Perspektif Pembiayaan Dan Pembangunan Daerah, 7(4), 393–404. https://doi.org/10.22437/ppd.v7i4.7757
6. Ghozali, Imam. 2016. Multivariate Analysis Applications with the IBM SPSS 23 Program (Edition 8). Printing VIII. Semarang: Diponegoro University Publishing Agency.
7. Harahap, Tiara Sulaikha Rohimi. 2020. “The Influence of Customer Perception and Religiosity on the Decision to Choose Gold Pawn Products at PT Bank Syariah Mandiri Kcp Medan Iskandar Muda”. Al-Infaq: Journal of Islamic Economics 11(1), 1-21.https://doi.org/10.32507/ajei.v11i1.493
8. Kotler, Philip and Kevin, Lane, K. 2013. Marketing Management (14th ed.). Pearson International edition.
9. Maulidya, M., & Putra, R. 2023. The Effect of Perceptions of Profit Sharing, Islamic Financial Literacy, and E-Banking on Customer Interests in Using Bank Syariah Indonesia (BSI) Services Religiosity as a Moderating Variable. JESI (Jurnal Ekonomi Syariah Indonesia), 13(2), 225. https://doi.org/10.21927/jesi.2023.13(2).225-244
10. Parente, ES . 2015.Conceptualization and measurement of customer perceived value in Brazilian contribution banks. International Journal of Bank Marketing
11. Montolalu., M.Ch.Raintung. 2018. Analysis of the Influence of Promotional Strategy, Brand Image and Perception on Customer Decisions Using Gold Savings at Pegadaian (Persero) Regional Office V Manado
12. Rachmawati A. 2020.” “The Influence of Customer Knowledge, Brand Image, Religiosity, and Location on the Decision to Become a Customer at a Sharia Bank” 5(1). 1-20.
13. Rachmawati and Widana. 2019. “The Influence of Customer Knowledge, Brand Image, Religiosity, and Location on the Decision to Become a Customer at a Sharia Bank” 8(2). 111-123.
14. Rhamdhan, I. M., & Riptiono, S. 2023. The Effects of Religiosity, Trust, Intimacy Toward Commitment and Customer Loyalty at Shariah Microfinance. Jurnal Aplikasi Bisnis Dan Manajemen, 9(2), 492–500. https://doi.org/10.17358/jabm.9.2.492
15. Setiawan, F., A, E. D. P., Purwaningsih, T., Ekonomi, F., Ponorogo, U. M., & Ponorogo, K. 2023. Role of Religiosity in Moderating Factors Affecting Customer’s Preference to Choose Financing Peran Religiusitas dalam
16. Silva, Princess Mistia. 2017. The Influence of Consumer Perception and Consumer Motivation on Insurance Policy Purchasing Decisions. Psychoborneo: Scientific Journal of Psychology. Vol. 5. No. 3.
17. Sugiyono. 2016. Quantitative, Qualitative, and R&D Research Methods. Bandung: PT Alfabet.
18. Wijaya, E., Junaedi, A. T., Fransisca, L., Chandra, S., & Suyono, S. 2023. Trust, Satisfaction, and Loyalty of Islamic Bank Customers: Role of Religiosity. Jurnal Aplikasi Manajemen, 21(2), 490–501. https://doi.org/10.21776/ub.jam.2023.021.02.17
19. Zuhirsyan and Nurlinda. 2021. “The Influence of Religiosity, Perception and Customer Motivation on the Decision to Choose Sharia Banking” Journal of Sharia Banking 2(2). 114-130