Pengaruh Pengetahuan, Produk dan Religiusitas Terhadap Minat Menabung dengan Variabel Moderating Persepsi
Abstract
The Purpose of this study to analyze the knowledge of Islamic banking, bank products and religiosity towards saving interest in Islamic banks with perception as a moderating variable. This type of research is quantitative. Active students of Islamic economics study programs at three state universities in Surabaya as research sample numbered 100 students using the quota sampling technique. Data collection techniques with questionnaires. The results show there is an influence of Islamic banking knowledge on saving interest, there is an influence of bank products on saving interest, there is an influence of religiosity on saving interest, perception is not a moderating variable of sharia banking knowledge with saving interest, perception is not a moderating variable of bank products with saving interest, perception is a moderating variable of religiosity with saving interest.
References
Andespa, R. (2017). Faktor-Faktor Yang Mempengaruhi Minat Nasabah Dalam Menabung Di Bank Syariah. Al Masraf: Jurnal Lembaga Keuangan Dan Perbankan, 2(1), 43–57.
Astuty, P., & Umiyati, U. (2018). Inluence Of Religiosity Towards The Saving Interest At Islamic Banking With The Knowledge Of tHE People As Moderator Variable (Case Study On The People Of South Tanggerang City). Ikonomika, 3(1), 1–16. https://doi.org/10.24042/febi.v3i1.2229
Ayun, N. (2016). Pengaruh Religiusitas Terhadap Persepsi Tentang Perbankan Syariah (Studi Pada Karyawan Fakultas Dakwah dan Komunikasi Universitas Islam Negeri Sunan Kalijag Yogyakarta). https://doi.org/10.1017/CBO9781107415324.004
Imran, & Hendrawan, B. (2017). Pengaruh Persepsi Masyarakat Batam Tentang Bank Syariah Terhadap Minat Menggunakan Produk Bank Syariah. Of Business Administration, 1(2), 209–218.
Kristiyadi, & Hartiyah, S. (2016). Pengatuhan Kelompok Acuan, Religiusitas, Promosi Dan Pengetahuan Tentang Lembaga Keuangan Syariah Terhadap Minat Menabung Di Koperasi Jasa Keuangan Syariah (Studi Kasus Pada BMT TAMZIS Wonosobo). Ekonomi Dan Teknik Informatika, 5(9), 44–63.
Maghfiroh, S. (2018). Pengaruh Religiusitas, Pendapatan, Dan Lingkungan Sosial Terhadap Minat Menabung Di Bank Syariah Pada Santri Pesantren Mahasiswi Darush Shalihat. Pendidikan Dan Ekonomi, 7(3), 213–222.
Nadliroh, N. (2013). Pengaruh Tingkat Bagi Hasil Terhadap Profitabilitas Perbankan Syariah. Jurnal Pendidikan Akuntansi & Keuangan, 1(2), 37–41. https://doi.org/10.17509/jpak.v1i2.15453
OJK. (2019). Statistik Perbankan Syariah. (https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah)
Padmaninggar, A. (2016). SYARIAH ( Studi Pada Mahasiswa S1 Prodi Ekonomi Islam Fakultas Ekonomi dan Bisnis Universitas Brawijaya ) SKRIPSI Disusun oleh : Adindara Padmaninggar. Jurnal Ilmiah Mahasiswa FEB, 4(2).
Rosyid, M., & Saidah, H. (2016). Pengetahuan Perbankan Syariah dan Pengaruhnya Terhadap Minat Menabung Santri dan Guru. ISLAMINOMIC, 7(2), 38–45.
Rusdianto, H., & Ibrahim, C. (2016). Pengaruh Produk Bank Syariah Terhadap Minat Menabung Dengan Persepsi Masyarakat Sebagai Variabel Moderating Di Pati. Ekonomi Syariah, 4(1), 43–61. https://doi.org/10.21043
Syahriyal, S. (2018). Pengaruh Persepsi Nilai Dan Pengetahuan Masyarakat Terhadap Minat Menabung Serta Dampaknnya Kepada Keputusan Menabung Pada Perbankan Syariah Di Banda Aceh. Jurnal Perspektif Ekonomi Darussalam, 4(1), 139–156. https://doi.org/10.24815/jped.v4i1.10930
Triana, N., Nurhasanah, N., & Senjiati, I. H. (2016). Pengaruh Tingkat Religiusitas dan Disposible Income Mahasiswa Fakultas Syari ’ ah Unisba terhadap Minat Menabung di Bank BRI Syari ’ ah Kantor Kas Unisba. Prosiding Keuangan Dan Perbankan Syariah, 2(2), 529–534.
Wahyuni, S., & Rakhmah, S. M. (2016). Pengaruh Persepsi Mahasiswa Tentang Bank Syariah terhadap Minat Menabung di Perbankan Syariah. Jurnal Pendidikan Ekonomi, 10(1), 1–12.
Wardani, P. D., & Susanti. (2019). Pengaruh Kontrol Diri, Religiusitas, Literasi Keuangan, Inklusi Keuangan Terhadap Perilaku Menabung Di Bank Syariah Mahasiswa Universitas Islam Negeri Sunan Ampel Surabaya. Jurnal Pendidikan Akuntansi, 7(2), 189–196.
Copyright (c) 2021 Alifah Dwi Novianti, Luqman Hakim
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
Jurnal Pendidikan Akuntansi (JPAK) is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Abstract Views: 1575
PDF Downloads: 1078
