PENGARUH RELIGIUSITAS, DISPOSABLE INCOME, DAN PENGETAHUAN PERBANKAN SYARIAH TERHADAP MINAT MENABUNG DI BANK SYARIAH

DESSIANA KHOLIFAH, NIM. 13820060 (2017) PENGARUH RELIGIUSITAS, DISPOSABLE INCOME, DAN PENGETAHUAN PERBANKAN SYARIAH TERHADAP MINAT MENABUNG DI BANK SYARIAH. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The development of sharia banking that is increasingly increasing year but the control of sharia banks to the national banking market has not been so strong. Syariah banking only gets less than 5% market share, this makes learning for industry especially banking. The government will continue to develop sharia finance industries, such as enhancing the capabilities of sharia financial human resources, encouraging innovative sharia financial products to deepen markets, increasing access to Islamic financial institutions, and enlarging sharia financial consumers. Therefore the government issued a program related to saving culture. The Simple / Simple Savings Program has been officially launched on June 14, 2015 by the President of the Republic of Indonesia as a form of OJK support with the banking industry in reviving the "savings culture" campaign for students from an early age. This study aims to explain the influence of religiosity, disposable income, and knowledge of interest in saving students smk in sharia banks. This study uses multiple linear regression test, F test and t test to see whether the independent variable has an influence or relationship with the dependent variable. Based on the results of questionnaire questionnaire distribution, this study concluded that the independent variables have a significant influence on the interest of saving students in Islamic banks by 25.1% while the remaining 74.9% influenced by other factors not included in this study. F test has proved that religiosity, disposable income, and knowledge together have a positive and significant influence on interest of saving students in syariah bank (F count (10,371)> F table (4,03) at significant 0,0000 <0 , 05). In addition, the t test was partially indicated that the religiosity and knowledge variables significantly influence the student's interest in saving in syariah bank, while the disposable income did not significantly influence the interest of saving students in syaria bank.

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