Analisis Faktor-Faktor yang Mempengaruhi Minat Menabung  di Bank Syariah pada Masyarakat Kabupaten Banyumas

Purnomo, Sodik Dwi; Cahyo, Heru; Mukharomah, Siti

doi:10.33087/jmas.v6i2.273

Cited by 4 publications

(9 citation statements)

References 4 publications

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“…Dalam penelitian Setiawan & Indriani (2016), Asri & Suarjaya (2018) Nainggolan & Abdullah (2019) menyatakan DPK berpengaruh positif signifikan terhadap ROA, artinya semakin banyak DPK maka LPD mengelola dana tersebut dengan menyalurkan kembali berupa kredit, dengan penyaluran dalam bentuk kredit tentunya akan mendapatkan pendapatan berupa bunga, meningkatnya pendapatan bunga maka LPD memperoleh kontribusi laba sehingga profitabilitas meningkat (Purnomo et al, 2021).…”

Section: Pendahuluanunclassified

Faktor-Faktor Yang Mempengaruhi Profitabilitas BPR Dan BPRS Dibawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto

2023

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This study aims to analyze the effect of Capital Adequacy Ratio, Third Party Funds, Non-Performing Loans, Loan to Deposit Ratio on the profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. This type of research is quantitative associative and purposive sampling as a sample collection technique. The research method used is a multiple linear regression analysis of panel data. The results showed that Third Party Funds significantly positively affected the Profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. Non-Performing Loans significantly negatively affect the Profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. Capital Adequacy Ratio and Loan Deposit Ratio have no effect on the Profitability of People's Credit Banks and Sharia People's Credit Banks under the Supervision of the Purwokerto Financial Services Authority Office from 2016 to 2020. ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio, Dana Pihak Ketiga, Non Performing Loan, Loan to Deposit Ratio terhadap profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah dibawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto pada tahun 2016 sampai 2020. Jenis penelitian ini adalah kuantitatif asosiatif dan purporsive sample sebagai teknik pengabilan sampel. Metode penelitian yang digunakan adalah analisis regresi linear berganda data panel. Hasil penelitian menunjukkan Dana Pihak Ketiga berpengaruh positif signifikan terhadap Profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah di Bawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto tahun 2016 sampai 2020. Non Performing Loan berpengaruh negatif signifikan terhadap Profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah di Bawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto tahun 2016 sampai 2020. Capital Adequacy Ratio dan Loan to Deposit Ratio tidak berpengaruh terhadap Profitabilitas Bank Perkreditan Rakyat dan Bank Perkreditan Rakyat Syariah di Bawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto tahun 2016 sampai 2020.

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Section: Pendahuluanunclassified

Faktor-Faktor Yang Mempengaruhi Profitabilitas BPR Dan BPRS Dibawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto

2023

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“…Hal ini tercantum dalam Pasal 1 ayat 2 UU No. 21 Tahun 2008 tentang perbankan syariah (Purnomo et al, 2021). Perbankan syariah berfungsi untuk menjembatani antara pihak yang kelebihan dana dengan pihak yang membutuhkan dana dengan amanah.…”

Section: Pendahuluanunclassified

“…Karena promosi sangat penting untuk memberikan informasi yang tepat kepada masyarakat sehingga menumbuhkan minat untuk menabung di bank syariah (Bella et al, 2023). Selain itu penting bagi manajemen bank syariah untuk mengetahui faktor-faktor yang dapat mempengaruhi masyarakat terhadap keputusan menabung di bank syariah (Utamy & Widhiastuti, 2020) Tabel (Purnomo et al, 2021). Kehadiran lembaga keuangan syariah atau perbankan syariah jelas mempunyai prospek yang sangat cerah dan menjanjikan.…”

Section: Pendahuluanunclassified

“…Minat menabung masyarakat pada bank syariah dipengaruhi oleh beberapa faktor. Seperti yang dijelaskan sebelumnya diketahui bahwa beberapa faktor yang diduga menjadi penyebab rendahnya minat masyarakat menabung di bank syariah antara lain tingkat literasi keuangan syariah masyarakat yang masih terbilang rendah (Purnomo et al, 2021). Faktor lain yang dapat mempengaruhi kurangnya minat menabung di bank syariah yaitu kurangnya promosi yang dilakukan oleh pihak bank syariah.…”

Section: Minat Menabungunclassified

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Determinan Kurangnya Minat Menabung di Bank Syariah

Purwati

2023

JIEI

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This study aims to identify and analyze the factors that influence the lack of interest in saving at Islamic banks. This research is a type of qualitative research, by taking informants from the research area, namely Pemalang Regency. The data in this study are primary data and data collection techniques by conducting interviews, documentation and observation. The research was conducted by gathering information regarding the factors that influence the lack of interest in saving at Islamic banks. Triangulation techniques were also carried out to ensure data validity. The results of the study found the causes of the lack of public interest in saving in Islamic banks, namely consideration of the benefits obtained, salaries received through conventional banks, lack of marketing strategies carried out by Islamic banks, lack of understanding of Sharia, the influence of culture and habits, convenience, closure of one of the Islamic banks, dubious sharia compliance implemented by Islamic banks and lack of security. The results of this study are expected to contribute to Islamic banks in Indonesia in formulating their marketing strategies to attract public attention to saving at Islamic banks so as to increase the market share of Islamic banks in the future.

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“…Therefore, educational efforts and the dissemination of information, both within and beyond university campuses, prove instrumental in promoting favorable perceptions of Islamic banks. Furthermore, socioeconomic factors, encompassing income levels, family backgrounds, and the influence of peers, significantly mold attitudes toward Islamic banks (Afriani & Asandimitra, 2020; Purnomo et al, 2021). Students hailing from families with a history of engagement with Islamic banking or those with higher incomes may lean towards more positive views of Islamic banks due to familiarity or the perceived alignment of these banks with their socioeconomic status.…”

Section: Jed | 38mentioning

confidence: 99%

Key determinants of attitudes towards Islamic banks: An exploratory study among Islamic university students

Hidayati,

Pradesa,

Agustina

2023

JED

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Purpose — The study seeks to identify the factors that have the greatest impact on attitudes towards Islamic banks, including awareness and knowledge of Islamic banking, adherence to Sharia principles, and collectivist or individualist attributes.Method — This study utilized quantitative methods, and the research instruments were carefully designed to measure the latent variables under investigation. The sample included 100 students from private Islamic universities in Malang City, East Java, Indonesia. Data analysis involved confirmatory factor analysis and multiple regression analysis.Result — This research highlights the crucial role of awareness and knowledge in fostering positive attitudes towards Islamic banks. Interestingly, compliance with Sharia principles was not found to significantly influence attitudes toward Islamic banks.Contribution — This research underscores the pivotal role of awareness and knowledge in fostering positive attitudes toward Islamic banks.

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Analisis Faktor-Faktor yang Mempengaruhi Minat Menabung di Bank Syariah pada Masyarakat Kabupaten Banyumas

Cited by 4 publications

References 4 publications

Faktor-Faktor Yang Mempengaruhi Profitabilitas BPR Dan BPRS Dibawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto

Faktor-Faktor Yang Mempengaruhi Profitabilitas BPR Dan BPRS Dibawah Pengawasan Kantor Otoritas Jasa Keuangan Purwokerto

Determinan Kurangnya Minat Menabung di Bank Syariah

Key determinants of attitudes towards Islamic banks: An exploratory study among Islamic university students

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