FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT MENABUNG DI BANK SYARIAH

Abstract

Abstrak: Penelitian ini bertujuan mengetahui pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah baik secara parsial maupun simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014 Universitas Negeri Yogyakarta. Jumlah anggota populasi yaitu sebanyak 69 Mahasiswa S1 Program Studi Pendidikan Ekonomi Angkatan Tahun 2014. Dengan teknik analisis regresi linear berganda, menunjukkan bahwa terdapat (1) pengaruh positif pemahaman prinsip tabungan syariah terhadap niat menabung di Bank Syariah; (2) pengaruh positif tingkat religiusitas terhadap niat menabung di Bank Syariah; (3) pengaruh positif faktor sosial budaya terhadap niat menabung di Bank Syariah; (4) pengaruh positif persepsi tentang Bank Syariah terhadap niat menabung di Bank Syariah; dan (5) terdapat pengaruh pemahaman prinsip tabungan syariah, tingkat religiusitas, faktor sosial budaya, persepsi tentang Bank Syariah secara simultan terhadap niat menabung di Bank Syariah pada Mahasiswa Pendidikan Ekonomi Angkatan Tahun 2014.

Abstract: This study aims to determine the effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks both partially and simultaneously towards the intention to save at a Sharia Bank for the 2014 Yogyakarta State University Economic Education Students. The number of members of the population is as much as 69 S1 students of the 2014 Economic Education Study Program. With multiple linear regression analysis techniques, it shows that there are (1) positive influences on understanding the principle of sharia savings towards the intention to save in Islamic banks; (2) a positive influence on the level of religiosity on the intention to save in Islamic banks; (3) the positive influence of socio-cultural factors on the intention to save in Islamic banks; (4) the positive influence of perceptions of Islamic banks on the intention to save in Islamic banks; and (5) there is an effect of understanding the principles of sharia savings, the level of religiosity, socio-cultural factors, perceptions of Islamic banks simultaneously towards the intention to save in a Sharia Bank for 2014 Economic Education Students.