The purpose of this study is to find out income that affects the interest of IAIS Sambas
employees in transacting and using Islamic banking services in Sambas. To find out that
banking services affect IAIS Sambas employees in using Sambas Regency Sharia Banking
services. To find out the level of Religion of IAIS Sambas Employees in using Sharia
Banking services in Sambas. To determine the significant influence between variables X1,
X2, X3 on Y Variables in Mudharabah savings products in Sharia Banking in Sambas
Regency. Quantitative research methods. Data collection was carried out by research that
will be carried out using indirect observation techniques because it only uses a
questionnaire (questionnaire) as material for data collection. The source of data in this
study were IAIS Sambas employees, totaling 140 employees. As for data analysis techniques
in descriptive analysis research, test research instruments. Partially, the Islamic banking
service variable (X1) has a t-test > t table value of 2.419 > 1.659 and a sig value of 0.008. Based
on the hypothesis, H2 is accepted and H02 is rejected so that employee income partially influences the intention to save. Employee religion variable (X3) has a t-count value of
2.380 > 1.659 and a sig value of 0.006. Based on the hypothesis, H3 is accepted and H03 is
rejected so that employee religion partially influences the intention to save. In the F test
(simultaneously), based on the results of the f test in the ANOVA table it shows that the F
value is 3,232 with a probability value of 0,000 so it is <0.05. Then F count > F table, namely
3,232 > 2,461 so that based on the hypothesis used in this study, it means that H3 is
accepted and H03 is rejected..