Pengaruh Bagi Hasil, Disposable income, dan Promosi Terhadap Minat Menabung Mahasiswa di Bank Syari’ah

  • Fanny Putri Ayu Hariati Universitas Negeri Surabaya
  • Rochmawati Rochmawati Universitas Negeri Surabaya
Keywords: Profit sharing; disposable income; promotion; saving interests; islamic bank

Abstract

This research was carried out with the aim of knowing the influence on Profit Sharing, Disposable income, and Promotion with Saving Interests in Students of the Accounting Education Department at Islamic Banks. This study uses quantitative research methods and the data in this study were collected through questionnaires. A total of 61 students in the 2018 Accounting Education Study Program, State University of Surabaya were used as the population and sample in this study. Saturated Sampling technique was used in this study. One of the non-parametric analytical tests of Kendall's Tau-b was used to analyze this research through the SPSS version 25 computer program. According to the analytical test that has been carried out, it can be stated that: (1) Profit Sharing has a significant effect on the Interest in Savings variable with a value of 0.048. (2) Disposable Income has a significant effect on Saving Interest with a value of 0.000. (3) Promotion has a significant effect on Saving Interest with a value of 0.000. So it can be conluded that the variable of Profit Sharing, Disposable Income, and Promotion affect the Student Saving Interest variable.

References

Abdul-rahman, A., & Nor, S. M. (2016). Challenges of profit-and-loss sharing financing in Malaysian Islamic banking. Malaysian Journal of Society and Space 12, 2 (2), 39–46.

Andriani1, G. F., & Halmawati, H. (2019). Pengaruh Bagi Hasil, Kelompok Acuan, Kepercayaan Dan Budaya Terhadap Minat Menjadi Nasabah Bank Syariah. Jurnal Eksplorasi Akuntansi, 1 (3), 1322–1336. https://doi.org/10.24036/jea.v1i3.145

Astuti, T., & Mustikawati, R. I. (2013). Pengaruh Persepsi Nasabah Tentang Tingkat Suku Bunga, Promosi Dan Kualitas Pelayanan Terhadap Minat Menabung Nasabah. Nominal, Barometer Riset Akuntansi Dan Manajemen, 2 (1), 182–198. https://doi.org/10.21831/nominal.v2i1.1655

Aziz, N., & Hendrastyo, V. S. (2020). Pengaruh Kualitas Layanan, Kepercayaan Dan Promosi Terhadap Minat Nasabah Menabung Pada Bank Syariah Cabang Ulak Karang Kota Padang. Jurnal Pundi, 3 (3), 227. https://doi.org/10.31575/jp.v3i3.183

Chotimah, C. (2014). Pengaruh Produk Chusnul Chotimah B 200 100 154. Pengaruh Produk, Pelayanan, Promosi Dan Lokasi Terhadap Masyarakat Memilih Bank Syariah Di Surakarta, 1–15.

Hamdani. (2020). Pengaruh Tingkat Reliugisitas Dan Disposable Income Terhadap Minat Menabung Masyarakat Kota Jambi Di Bank Syari’ah Mandiri. Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi.

Hasan, S., & Ahmad, B. (2020). Bank Syariah di Dunia International. EKSYAR : Jurnal Ekonomi Syari'ah & Bisnis Islam, Vol. 7, No. 2.

Hasan, M., & Muhammad, K. (2018). Financial Performance Determinant of Islamic Banking in Indonesia. Jurnal Keuangan dan Perbankan, 22 (3), 506-517.

Huda, A. N. (2012). The development of Islamic financing scheme for SMEs in a developing country: The Indonesian case. Procedia - Social and Behavioral Sciences, 52, 179–186. https://doi.org/ 10.1016/j.sbspro.2012.09.454

Kurniawan, M. (2020). Pengaruh Financial Knowledge, Persepsi, Religiusitas dan Disposable Income terhadap Minat Menabung di Bank Syariah. Japanese Circulation Journal, 12 (11–12), 202–203.

Mahfuz (2021). Pengaruh Pengetahuan Dan Promosi Terhadap Minat Menabung di Bank Syariah:

Studi Kasus Jamaah Masjid Al Barkah Kota Bekasi. El-Arbah, 5 (1), 48-61. https://doi.org/ 10.34005/elarbah.v5i1.1573

Mawardi, M. (2018). Pengaruh Promosi Tabungan Bank Sumsel Babel Syariah Terhadap Minat Menabung Masyarakat Kota Palembang. Al-Tijary, 4 (1), 43–52. https://doi.org/10.21093/at.v4i1.1282

Ningsih, J. S. (2017). Pengaruh Persepsi, Tingkat Religiusitas dan Disposable Income Terhadap Minat Menabung di Perbankan Syari’ah. In Skripsi Fakultas Ekonomi dan Bisnis Islam UIN Raden Intan Lampung.

Ortega, D., & Alhifni, A. (2017). Pengaruh Media Promosi Perbankan Syariah Terhadap Minat Menabung Masyarakat Di Bank Syariah. Jurnal Ekonomi Syariah, 5 (1), 87–98.

Rahayu, O. (2018). Pengaruh promosi dan pelayanan terhadap minat menabung pada anggota bmt binamas purworejo. Oikonomia, 7, 127–132.

Raihanah, D. (2014). Pengaruh kualitas pelayanan dan bagi hasil terhadap keputusan menabung nasabah pada bank mandiri syariah di kota medan. Jurnal Riset Akuntansi dan Bisnis 12 (1).

Riyanti, Majid, M. N., & Habibah, G. (2021). Pengaruh Bagi Hasil dan Kepercayaan Terhadap Minat Masyarakat Menabung di Bank Syari’ah Kota Jambi. UIN Sulthan Thaha Saifuddin Jambi.

Sugesti, P., & Hakim, L. (2021). Puutri Sugesti, Luqman Hakim Al-Mashrafiyah Vol. 5, No. 1, April (2021). 5 (1), 47–58.

Wahab, W. (2016). Pengaruh Tingkat Bagi Hasil Terhadap Minat Menabung Di Bank Syariah. Jebi (Jurnal Ekonomi Dan Bisnis Islam), 1 (2), 167–184. http://journal.febi.iainimambonjol.ac.id/index.php/JEBI/article/view/41/pdf

Yuliatin. (2020). Pengaruh Tingkat Religiusitas dan Disposible Income terhadap Minat Menabung Anggota di KBMT Al Ikhlash Lumajang. Jurnal Akuntansi Dan Keuangan Islam, 1 (1), 107–124.

Published
2022-12-31
How to Cite
Hariati, F., & Rochmawati, R. (2022). Pengaruh Bagi Hasil, Disposable income, dan Promosi Terhadap Minat Menabung Mahasiswa di Bank Syari’ah. Jurnal Pendidikan Akuntansi (JPAK), 10(3), 332-337. https://doi.org/10.26740/jpak.v10n3.p332-337
Section
Article
Abstract View: 90
PDF Download: 87