Pengaruh Literasi Ekonomi Syariah terhadap Minat Mahasiswa Menabung di Bank Syariah

Abstract

The purpose of this research was to understand whether or not Islamic economics literacy influence college students saving interest in Islamic bank. The sampling technique used in purposive sampling technique with a population of study is college student of sharia economics, sharia banking, Islamic economics and sharia accounting major or study program in East Java which is calculated using the convenience formula. The study used a quantitative research method with questionnaire as the primary data. In testing the hypothesis used simple linier regression analysis techniques. So The result obtained shows that Islamic economics literacy has positive and significant influence to the college students saving interest in Islamic bank with significance value of 0,000 < 0,005 with regression equation as Y = 1,118 + 0,227X.

Studi Kuantitatif Pemahaman Konsep Riba Melalui Latar Belakang Pendidikan Dan Literasi Ekonomi Syariah

“…Pada umumnya penelitianpenelitian yang telah ada menguji literasi keuangan syariah, pendidikan, dan pengetahuan tentang riba terhadap keputusan dan minat menabung atau melakukan pinjaman pada lembaga keuangan syariah dan konvensional. Penelitian yang dilakukan oleh (Ariyaningsih dkk., 2021;Nurudin dkk., 2021) pemahaman tentang riba mempengaruhi keputusan nasabah nasabah memilih bank syariah, penelitian (Firdiana & Fikriyah, 2021) menemukan literasi ekonomi syariah berpengaruh terhadap minat menabung, penelitian (Ghani & Saputra, 2016) menyatakan pendidikan berpengaruh signifikan terhadap pengetahuan masyarakat tentang bank syariah. Penelitian (Munthasar dkk., 2021) menemukan pengetahuan dan pendidikan berpengaruh terhadap literasi keuangan di masyarakat Aceh.…”

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

“…Students attending Islamic universities often exhibit stronger religious convictions, leading to more positive views of Islamic banks as institutions in harmony with their faith, thereby fostering trust and a sense of moral responsibility in financial transactions (Janah et al, 2020;Mamuaya, 2018;Muslichah & Sanusi, 2019). Furthermore, a deeper understanding of the concept of Islamic finance plays a crucial role in shaping positive attitudes and interest in Islamic banking (Az-Zahra et al, 2022; Firdiana & Fikriyah, 2021). Research has shown that individuals who view their faith as an integral part of their identity are more inclined to opt for Islamic banking products and services (Mardiana et al, 2021;Sujianto et al, 2023).…”

“…Within Indonesia, Islamic universities play a pivotal role in shaping students' perceptions of Islamic banking (Firdiana & Fikriyah, 2021;Iryani & Kristanto, 2022). However, it is crucial to recognize that students' attitudes toward Islamic banks can exhibit substantial variation.…”

“…clearer understanding of how Islamic banks operate and their commitment to ethical finance, their trust and overall attitude toward these institutions tend to be more favorable(Az-Zahra et al, 2022;Firdiana & Fikriyah, 2021).H1: Increased awareness and knowledge among students concerning sharia compliance are positively associated with enhanced attitudes toward Islamic banksStudents who possess knowledge of Sharia principles are better equipped to comprehend and appreciate the distinctive financial products and services provided by Islamic banks. This comprehension can result in a more positive perception of Islamic banks, as students come to recognize the advantages of financial transactions devoid of riba (usury) and in alignment with Islamic ethics.…”

Analisis Faktor-Faktor Yang Mempengaruhi Kurangnya Minat Mahasiswa Sidoarjo Menjadi Nasabah Bank Syariah

“…Negara Indonesia menduduki urutan pertama di dunia yang memiliki jumlah warga negara muslim terbanyak. Sebagai wilayah yang mempunyai penduduk sebagian muslim, dapat mewujudkan industri yang berbasis syariah, salah satunya yaitu bank syariah (Firdiana and Fikriyah, 2021). Pengetahuan mahasiswa tentang bank syariah sangat mempengaruhi sikap mahasiswa terhadap produk yang akan ditawarkan, sehingga semakin baik pengetahuan mahasiswa mengenai bank syariah maka akan memacu minat mahasiswa untuk menjadi nasabah bank syariah (Maulina, 2021).…”