Abstract:
In recent years, Indonesian Islamic banks have continued to improve their performance and
produce increasing profits. According to data from the Financial Services Authority for 2021,
the Islamic banking industry in Indonesia has 233 institutions at the end of December. Though
it is excellent, it still needs to be improved since the number of Indonesians who choose non sharia banks lags far behind. The market potential in Riau and the Riau Archipelago is fairly
substantial given that the majority of the population is Muslim. Total assets increased by
52.42%, while total deposits increased by 74.64%. The figure is the second highest in northern
Sumatra, after Nangroe Aceh Darussalam. The hypothesis on the direct path effect coefficient
between Attitude and Ease of Use variables is being tested. The following structural model
(inner model) shows the results of the direct effect: In testing the First Hypothesis (H1) with
a significant value of 0.000 <0.05 or below 5%, it is concluded that the positive path coefficient
value indicates that attitude has a significant positive effect on Saving Interest. The first
hypothesis is accepted based on the test results. The significant value achieved in testing the
Second Hypothesis (H2) is 0.000 < 0.05 or less than 5%, indicating that the positive path
coefficient value implies that Ease of Use has a significant positive effect on Saving Interest.
The second hypothesis is accepted based on the test results.
