Pengaruh Pengetahuan Nasabah , Reliogiousity Dan Lingkungan Sosial Terhadap Minat Menabung Menggunakan Bank Syariah (Studi Kasus Mahasiswa Universitas Islam Malang)

Dinda Dewi Anggraeni, Nur Diana, Harun Alrasyid

Abstract


This study aims to determine and analyze the effect of customer knowledge, religiosity, and social environment on
interest in saving in Islamic banks among students of the Islamic University of Malang. The type of research used is
correlational research. The sample in this study was 99 students of the Islamic University of Malang. Data was
collected by distributing questionnaires. Analysis of the data used in this study using validity test, reliability test,
normality test, multicollinearity, heteroscedasticity, simultaneous F test, coefficient of determination, and t-test
results. The results of this study simultaneously the variables of customer knowledge, religiosity, and social
environment have a significant effect on interest in saving in Islamic banks. While partially 1) the variable of
customer knowledge partially has a significant positive effect on interest in saving, 2) religiosity partially has a
significant and positive effect on interest in saving, and the social environment partially has a significant and
negative effect on interest in saving.

Full Text:

PDF

References


Andi, Ibrahim, Alang Asrul Haq, Madi, Baharuddin, Ahmad Muhammad Aswar, and Darmawati. 2018.

Metodologi Penelitian. 1st ed. edited by Ismail Ilyas. Makassar: GUNADARMA ILMU.

Firmansyah, Anang. 2018. Perilaku Konsumen (Sikap Dan Pemasaran). 1st ed. edited by D.

Novidiantoko and E. R. Fadilah. yogyakarta: CV BUDI UTAMA.

Hasmi, Julian, Program Studi, Ekonomi Syariah, Jurusan Ekonomi Islam, Fakultas Ekonomi, and D. A.

N. Bisnis. 2017. Nasabah Non Muslim Untuk Menabung Pada.

Iranati, Rahma Bellani Oktavindria. 2017. “Pengaruh Religiusitas, Kepercayaan, Pengetahuan, Dan

Lokasi Terhadap Minat Masyarakat Menabung Di Bank Syariah (Studi Kasus Pada Masyarakat Di

Kota Tangerang Selatan).” Jakarta: UIN Syarif Hidayatullah Jakarta.

Maghfiroh, Sayyidatul. 2018. “Pengaruh Religiusitas, Pendapatan, Dan Lingkungan Sosial Terhadap

Minat Menabung Di Bank Syariah Pada Santri Pondok Pesantren Asma’ Amanina.” Journal of

Chemical Information and Modeling 53(9):1689–99.

Maulidi, Rif’at. 2018. “Pengaruh Pengetahuan, Religiusitas, Dan Lingkugan Sosial Terhadap Minat

Menabung Menggunakan Bank Syariah (Studi Kasus Siswa SMA Negeri 1 Ambarawa).” Jurnal

Ekonomi Dan Bisnis Islam.

Mujaddid, Fajar, and Pandu Tezar Adi Nugroho. 2019. “Available at :

Http://Journal.Uhamka.Ac.Id/Index.Php/Jei.” Ekonomi Islam 10.

Muliadi. 2020. Filsafat Umum. edited by Busro. Bandung: Fakutas Ushuluddin UIN Sunan Gunung Djati

Bandung.

OJK. 2021b. “Snapshot Perbankan Syariah September 2021.” Retrieved January 22, 2022

(https://www.ojk.go.id/id/kanal/syariah/berita-dan-kegiatan/publikasi/Pages/Snapshot-PerbankanSyariah-September-2021.aspx).

OJK. 2021c. “Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025.” Retrieved January

, 2022 (https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Strategi-Nasional-LiterasiKeuangan-Indonesia-2021-2025.aspx).14

OJK 2021. n.d. “Statistik Perbankan Syariah.” Retrieved January 24, 2022

(https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/default.aspx).

Purwanto, Aris. 2016. “Pengaruh Pengetahuan, Religiusitas Dan Tingkat Pendapatan Terhadap Minat

Masyarakat Menabung DI Bank Syariah Boyolali.” Salatiga: IAIN Salatiga. SKRIPSI 1–72.

Purwanto, Ngalim. 2011. Ilmu Pendidikan Teoretis Dan Praktis. Jakarta: Rosdakarya.

Putri, Yulia, Ani Solihat, Rani Rahmayani, Iis Iskandar, and Andry Trijumansyah. 2019. “Strategi

Meningkatkan Minat Menabung Di Bank Syariah Melalui Penerapan Religiusitas.” Jurnal

Manajemen Dan Bisnis Performa 16(1):77–88. doi: 10.29313/performa.v16i1.4532.

Raihana, Siti, and Riza Aulia Azhary. 2020. “Pengaruh Pengetahuan, Religiusitas, Lokasi Dan

Lingkungan Sosial Terhadap Minat Menabung Di Bank Syaria Cabang Jeuram (Studi Pada

Masyarakat Kecamatan Seunagan Kabupaten Nagan Raya).” Global Journal of Islamic Banking and

Finance 2:110–23.

Ramadhani, Nur’aini IKa, Jeni Susyanti, and M. Khoirul ABS. 2019. “Analisis Pengaruh Tingkat

Religiusitas, Pengetahuan Dan Lingkungan Sosial Terhadap Minat Menabung Mahasiswa Di Bank

Syariah Kota Malang.” E-Jurnal Riset Manajemen h. 81.

Rusmiyanti, Fitri Alfi. 2020. “Analisis Pengaruh Pengetahuan, Pendapatan,Tingkat Religiusitas Dan

Lingkungan Sosial Terhadap Minat Menabung Di Perbankan Syariah (Studi Kasus Pada Mahasiswa

IAIN Kudus).” Institut Agama Islam Negri Kudus.

Sunardi, and Ana Maftukhah. 2015. “Pengetahuan Konsumen Dan Keputusan Menjadi Nasabah PT. Bank

Syariah Mandiri KCP BSD Tangerang Selatan.” Jurnal Islaminomic 6(2):35-51. Diakses September,

, 2021.

Uyun, Muhamad, and Ida Warsah. 2021. Psikologi Pendidikan. yogyakarta: CV BUDI UTAMA.

W., S, Mc Daniel, and J. J. Burnett. 1990. “Consumer Religiousity and Retail Store Evaluative Criteria.”

Journal of the Academy of Marketing Science.

W, G. Allport, and M. J. Ross. 1976. “Personal Relhious Orientation and Prejudice.” Journal of

Personality and Social Psychology.

Zuhirsyan, Muhammad, and Nurlinda Nurlinda. 2018. “Pengaruh Religiusitas Dan Persepsi Nasabah

Terhadap Keputusan Memilih Bank Syariah.” Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah

(1):48. doi: 10.24235/amwal.v10i1.2812


Refbacks

  • There are currently no refbacks.




El-Aswaq : Islamic Economic and Finance Journal is indexed by:

   

El-Aswaq : Islamic Economic and Finance Journal also registered in ICI (Index Copernicus International) as N/I Journal

 Creative Commons License

El-Aswaq : Islamic Economic and Finance Journal is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License

View My Stats