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Jun 29, 2025
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Sep 12, 2025
Published
Sep 21, 2025
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Abstract

This study aims to analyze the influence of service quality and convenience on the decision of students from the Faculty of Islamic Economics and Business (FEBI) at UIN Mahmud Yunus Batusangkar to apply for financing at Islamic banks, using a case study of Islamic Banking students from the 2022–2023 cohort. This research is categorized as field research employing a quantitative approach. Data were collected through questionnaires distributed to respondents and analyzed using multiple linear regression to examine both partial and simultaneous effects of the independent variables on the dependent variable. The results indicate that the service variable (X1) has a significant effect on customer decisions (Y) in applying for financing at Islamic banks. This finding implies that the better the quality of services provided—such as staff friendliness, timeliness, and clarity of information—the higher the likelihood that students will decide to become financing customers. In contrast, the convenience variable (X2), which includes accessibility, digital services, and transaction efficiency, was found to have no significant partial effect on customer decisions. However, when tested simultaneously, both service (X1) and convenience (X2) were found to influence customer decisions, although the dominant contribution comes from the service variable. These findings highlight that service quality plays a more crucial role than convenience in shaping students’ financing decisions at Islamic banks. Therefore, Islamic banks are advised to continuously improve their service quality while also innovating in terms of accessibility and digital services as a long-term strategy to attract and retain customers.

Keywords

convenience customer decision financing Islamic bank

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How to Cite
septian, ilham, Firdaus, N., & Meliza, D. (2025). Pengaruh Layanan dan Kemudahan Terhadap Keputusan Mengajukan Pembiayaan Ke Bank Nagari Syariah . Limbago: Journal of Islamic Finance, 1(1), 1–13. Retrieved from https://journal.denisyasmartconsulting.co.id/index.php/limbago/article/view/168
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