摘要：The widespread use of sharia products and instruments encourages society tosave funds in sharia banks. The main purpose of this research is to test the effect of financialliteracy, profit sharing, knowledge of customers, gender, age, education, income to savingdecisions. The type of research is quantitative research by using a non-probabilitysampling method with snowball sampling and purposive sampling technique to get asample of 230 respondents. The object of this research was sharia bank's customers inSurabaya. The data obtained by spreading the questionnaire online and offline contains 41items of statement and question. The data analysis technique is multiple linear regressionthat calculated by software package used for the analysis of statistical data. The resultfound that financial literacy’s of customer has medium effect about 72.1% to their savingdecision. The higher level of customer’s financial literacy increases their ability to managefinance and saving. Meanwhile, profit-sharing has an effect to saving decision, as thehigher level of profit sharing will raise society’s interest for saving in sharia bank.Otherwise, customer knowledge and demographic factors (gender, age, education andincome) have no effect to their saving decision.
