Pengaruh Literasi Keuangan Syariah Dan Religiusitas Terhadap Minat Mahasiswa Menabung Di Bank Syariah (Studi Mahasiswa FAI UMSU)

Frisca Rahmani Nabilah

Abstract


This research aims to determine the influence of sharia financial literacy and religiosity on students' interest in saving in sharia banks, as well as to test and determine the effect of sharia financial literacy and religiosity simultaneously on students' interest in saving sharia in sharia banks. This research uses a quantitative approach with analytical tools multiple linear regression. The object of this research is students at the UMSU Faculty of Islamic Religion. The results of this research show that there is a partial influence between the variables of Islamic financial literacy and religiosity on students' interest in saving in Islamic banks and there is a simultaneous influence between the variables of Islamic financial literacy and religiosity on students' interest in saving in Islamic banks with the value of the Coefficient of Determination () of 0.436. This means that the influence of the variables sharia financial literacy and religiosity on students' interest in saving at sharia banks is 43.6%, while the remaining 56.4% is influenced by other unknown variables.


Full Text:

PDF

References


Agustin, H. (2021). Teori Bank Syariah. JPS (Jurnal Perbankan Syariah), 2(1), 67–83. https://doi.org/10.46367/jps.v2i1.279

Aziza, M. S., Eprianti, N., & Wijayanti, I. M. (2020). Pengaruh Literasi Keuangan Syariah di Lingkungan Unisba terhadap Keputusan Menggunakan Produk Keuangan Syariah. Prosiding Hukum Ekonomi Syariah, 6(2), 152–156.

Dina Rizka Yunita, U. H. (2023). Pengaruh Pengetahuan Dan Lokasi Terhadap Minat Menabung Pada Masyarakat Desa Jentera (Studi Kasus Bank Muamalat KCP Stabat). Journal of Engineering Research, 3(4), 2216–2228.

Djuwita, D., & Yusuf, A. A. (2018). Tingkat Literasi Keuangan Syariah Di Kalangan UMKM Dan Dampaknya Terhadap Perkembangan Usaha. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 105. https://doi.org/10.24235/amwal.v10i1.2837

Gunawan, A., Pirari, W. S., & Sari, M. (2020). Pengaruh Literasi Keuangan dan Gaya Hidup Terhadap Pengelolaan Keuangan Mahasiswa Prodi Manajemen Universitas Muhammadiyah Sumatera Utara. Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi Dan Hukum, 4(2), 23–35. https://doi.org/10.30601/humaniora.v4i2.1196

Ismail, A., & Pradesyah, R. (2020). SHARIA MENTAL ACCOUNTING IN THE DEVELOPMENT OF HALAL MSMEs FOR GENERATION Z IN MEDAN CITY Abdul. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 6(July), 1–23. https://doi.org/https://doi.org/10.31538/iijse.v6i3.3952

Kasmir. (2014). Dasar-Dasar Perbankan (Edisi Revisi 2014).

Najib, M. A. (2017). Penguatan Prinsip Syariah Pada Produk Bank Syariah. Jurnal Jurisprudence, 7(1), 15–28. https://doi.org/10.23917/jurisprudence.v7i1.4351

Nasution, R. (2017). Optimalisasi Skema Bagi Hasil Sebagai Solusi Pembiayaan Berdasarkan Prinsip Bagi Hasil Bank Syariah Di Indonesia. 5–6.

Nurul Ichsan Hasan, M. (2014). Pengantar Perbankan Syariah. In Angewandte Chemie International Edition, 6(11), 951–952.

OJK. (2022). Laporan Perkembangan Keuangan Syariah Indonesia.

Pradesyah, R. (2017). Analisis Pengaruh Non Performing Loan, Dana Pihak Ketiga Terhadap Pembiayaan Akad Mudharabah di Bank Syariah. Jurnal Agama Dan Pendidikan Islam, 9(1), 93–111.

Pradesyah, R., Khairunnisa, K., & Ismail, A. H. (2020). TECHNOLOGY ACCEPTANCE MODEL, HALAL MSMEs INTENTION IN USING QRIS. Jurnal Ilmu Pendidikan, 7(2), 809–820. https://doi.org/https://doi.org/10.31538/iijse.v7i1.4014

Rahmawaty, A. (2014). Pengaruh Persepsi Tentang Bank Syari’ah Terhadap Minat Menggunakan Produk Di Bni Syari’Ah Semarang. Addin, 8(1), 1–28.

Ramadhani, H. M., Rahmi, M., & Fathoni, M. A. (2021). Pengaruh Literasi Keuangan Syariah, Promosi, Kualitas Pelayanan Terhadap Keputusan Menjadi Nasabah Bank. Business Management, Economic, and Accounting National Seminar, 2(1), 689–704.

Rizaldy, M., & Pradesyah, R. (2023). Reslaj : Religion Education Social Laa Roiba Journal Sarjanawiyata Tamansiswa Reslaj : Religion Education Social Laa Roiba Journal. Reslaj : Religion Education Social Laa Roiba Journal, 5(1), 168–184. https://doi.org/10.47476/reslaj.v6i1.4736

Safira, L. N., Oktavia, M. D., Wicaksono, H. D., & ... (2022). Pengaruh Religiusitas terhadap Minat Mahasiswa Menabung di Perbankan Syariah. … National Seminar on …, 1(7), 196–207.

Santi, Toni Endaryono, B., Prasetyo, A., & Abdilah Kurniawan, L. (2023). PENGARUH RELIGIUSITAS DAN LITERASI KEUANGAN SYARIAH TERHADAP MINAT MENABUNG DI BANK SYARIAH INDONESIA (BSI) PADA MAHASISWA EKONOMI SYARIAH (IAI Nasional Laa Roiba Bogor). Jurnal GICI Jurnal Keuangan Dan Bisnis, 15(2), 113–119. https://doi.org/10.58890/jkb.v15i2.192

Sari, A. J., & Pradesyah, R. (2023). Pengaruh Literasi Keuangan Syariah dan Kepercayaan Terhadap Minat Masyarakat Bandar Parkland, Klang Selangor, Malaysia, Melakukan Transaksi di Bank Islam. Jurnal Humaniora : Jurnal Ilmu Sosial, Ekonomi Dan Hukum, 7(1), 163–173. https://doi.org/10.30601/humaniora.v7i1.3568

Sriwanna, E., Harahap, I., Windari, W., & Hardana, A. (2020). THE EFFECT OF KNOWLEDGE ON VOTING INTEREST PRODUCTS PT. MANDIRI SHARIA BANK PADANGSIDIMPUAN (Case Study to Guru Al-Azhar Bi’ibadillah Ujung Gading District Angkola stem). Journal Of Sharia Banking, 1(1), 1–6. https://doi.org/10.24952/jsb.v1i1.4676

Sugiyono. (2016). Metodelogi Penelitian Kuantitatif, Kualitatif dan R&D.




DOI: https://doi.org/10.30596/aghniya.v6i1.20781

Refbacks

  • There are currently no refbacks.


Aghniya: Jurnal Ekonomi Islam is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

StatCounter - Free Web Tracker and Counter

Flag Counter

Aghniya: Jurnal Ekonomi Islam

Faculty of Islamic Religion,Universitas Muhammadiyah Sumatera Utara. Address: Kampus Utama Jl. Kapten Muchtar Basri No.3, Glugur Darat II,Medan Sumatera Utara-20238.

E-mail: aghniya@umsu.ac.id