Determinants of Interest in Saving for Students in Islamic Banking

Abstract

Saving money is the way to regulate our finance effectively. Bank is one of the media that is considered quite effective for this activity. The development of Islamic economic make sharia banking practices increase in an innovative way. Various sharia bank products have become a choice for saving activity. The same thing happen for student. Although the interest to save is still lacking, but the use of sharia bank products is quite beneficial for their future. The purpose of this study is to analyze the factors that influence student interest in saving on Islamic banking. Multiple linear regression is an analysis technique with hypothesis testing to support its conclusions. With a coefficient of determination of 61.2%, the results of the analysis show the level of student education of the sharia economy has a significant effect compared to other variables on students' interest in saving. But simultaneously, all independent variables influence the interest in saving students in Islamic banking. This shows that education is very important for students, therefore STIE Widya Gama Lumajang should indeed provide quality teaching to students, especially in the field of Islamic economics

Pengaruh Pengetahuan Tentang Bank Syariah, Religiusitas, Lingkungan Sosial, Dan Uang Saku Terhadap Minat Menabung Mahasiswa Di Bank Syariah (Studi Kasus pada Mahasiswa STIE Bank BPD Jateng)

“…Lingkungan sosial merupakan seseorang yang secara sosial berinteraksi dengan dua orang atau lebih dengan berdiskusi dan saling bertukar informasi (Khairunnisa & Cahyono, 2020). Lingkungan sosial merupakan tempat dimana interaksi manusia dapat berlangsung (Murniati et al, 2020).…”

Knowledge as the Intervening Variable on Religiosity Value of Accountant Students' Saving Interest for Islamic Banking

“…On the other hand, the knowledge is in accordance with the definition of consumer knowledge which is stated with everything that is known and understood by consumers about a product being marketed and is inherent and can influence consumer behavior in buying. Therefore through the support of available information can also encourage someone to make a decision including the purchase (Murniati, Juliasari, & Hanifah, 2020).…”

Determinan Kurangnya Minat Menabung di Bank Syariah

“…Kurangnya pengetahuan konsumen inilah yang kemudian menimbulkan dilema perbankan syariah di Indonesia (Karim & Affif, 2006). Menurut Murniati et al (2020) tidak menutup kemungkinan pertumbuhan bank syariah dapat melebihi bank konvensional. Roadmap pengembangan keuangan syariah indonesia menyebutkan bahwa pengembangan keuangan syariah telah menghasilkan berbagai pencapaian, mulai dari bertambahnya jumlah penduduk dan layanan, hingga pengembangan infrastruktur yang mendukung keungan syariah.…”