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)

Abstract

This study aims to determine the effect of knowledge about islamic banking, religiosity, social environtment, and pocket money on student in saving at islamic banks. The data used in this study is primary data based on a sample of 133 respondent of STIE Bank BPD Central Java taken by purposive sampling and snowball sampling. The data was processed using the Statistical Product Service Solutions (SPSS) analysis tool. By using multiple linear regression anaysis shows that knowledge of islamic banks, religiosity, social environment, and pocket money can explain the variable interest in saving by 79,1 percent. With the result of the analysis which shows that the variables of knowledge about islamic banks, religiosity, and social environtment have a significance of respectively 0,000 < 0,05; 0,012 < 0,05’ and 0,000 < 0,05, which means that the variables of knowledge about islamic banks, religiosity, and social environtment have a significant influence on student’s saving interest in islamic banks. While the pocket money variable has a significance of 0,208 > 0,05, which means that pocket money has no effect on interest in saving in islamic banks.

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

“…A higher level of awareness and knowledge encourages a more positive attitude toward Islamic Banks. These findings align with previous research that underscores the pivotal role of knowledge in fostering positive attitudes and interest in saving with Islamic banks(Iryani & Kristanto, 2022;Sodik et al, 2022;Sujianto et al, 2023). This supports the findings of aKey determinants of attitudes towards Islamic banks: An exploratory study among Islamic…Journal study (Afriani & Asandimitra, 2020) that emphasized the importance of awareness in managing finances following Sharia principles.Compliance with Sharia principles in this research is primarily exemplified by the presence of Islamic banks, which represents adherence to Sharia principles, and has been found to have no significant effect on attitudes toward Islamic banks.…”

“…Awareness and knowledge of Islamic banking principles and practices stand as pivotal factors influencing the attitudes of university students. The extent of students' familiarity and comprehension concerning Islamic banking principles and practices serves as a determining factor in shaping their attitudes (Afriani & Asandimitra, 2020;Iryani & Kristanto, 2022). When students possess a comprehensive understanding of how Islamic banks operate and adhere to Shariah principles, they tend to form more favorable attitudes.…”

“…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.…”

Pengaruh Literasi Keuangan Syariah, Pengetahuan, Religiusitas, Dan Uang Saku Terhadap Minat Mahasiswa Menjadi Nasabah Pada Bank Syariah (Studi Kasus Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Mataram)

“…Indonesia mengalami perkembangan perekonomian yang ditandai dengan berkembangnya lembaga keuangan syariah maupun lembaga keuangan konvensional. Pada perkembangannya perbankan syariah di Indonesia tidak terlepas dari sistem perbankan konvensional yang sebelumnya memang sudah berkembang di Indonesia (Iryani & Kristanto, 2022).…”

“…Dimana setiap orang mempunyai agama masing-masing yang didalamnya terdapat aspek dan nilai-nilai keyakinan sebagai landasan karakter setiap individu untuk bertindak dan bersikap. Religiusitas sejalan dengan penelitian yang dilakukan oleh Mirro Faricha Wati (2014), Padmaninggar (2016), Nuradyta & Sari (2019), A. Fauzi & Murniawaty (2020, Puji & Hakim (2021), Dewi & Permana (2021), dan Iryani & Kristanto (2022) menyatakan bahwa religiusitas berpengaruh terhadap minat mahasiswa menjadi nasabah pada bank syariah. Hal ini berbeda dengan penelitian yang dilakukan oleh Maghfiroh (2018), A'inina et al (2021), dan Faridah et al (2021 menyatakan bahwa religiusitas tidak berpengaruh terhadap minat mahasiswa menjadi nasabah pada bank syariah.…”