ANALISIS PENGARUH TINGKAT DISPOSABLE INCOME, TINGKAT RELIGIUSITAS TERHADAP MINAT MENABUNG DI BANK SYARI’AH BERBASIS DIGITAL

  • Tirtha Syaputra Universitas Abdurrab Pekanbaru Riau
  • Indri Dwisari Sekolah Tinggi Ekonomi Islam Iqra Annisa Pekanbaru
  • Nabilah Hanifah Br. Galingging Sekolah Tinggi Ekonomi Islam Iqra Annisa Pekanbaru
Keywords: Disposable Income, Religiosity Level, Banking Digitalization, Interest in Saving

Abstract

The growth and development of Islamic banking is quite rapid because it adheres to Islamic principles, one of which is the prohibition of usury in all forms of transactions. Factors that can influence consumption are disposable income and the level of religiosity and are supported by developments in the field of banking digitalization. This study aims to determine whether there is a partial and simultaneous influence between Disposable Income and the Level of Religiosity on the Interest in Saving in Digital-Based Islamic Banking. This study uses a quantitative method. The sampling technique in this study is Random Sampling using the Slovin formula. Data collection was carried out by distributing questionnaires with a sample of 44 respondents at Madrasah Ibtidaiyah As-Sidiqiyah Siak. To analyze using an analysis tool, namely SPSS Ver. 29.0. The analysis method uses classical assumption tests, validity and reliability tests, hypothesis tests, multiple linear regression tests, and determinant coefficient tests. The results of the study showed that there was a significant partial influence of disposable income on the savings interest of MI As-Sidiqiyah Siak Teachers in Islamic banking with a calculated t value (7.747) > t table (1.683) with a p-value (0.001). The variable of religiosity level had a significant partial influence on the savings interest of MI As Sidiqiyah Teachers in Islamic banking with a calculated t value (6.515) > t table (1.683) with a p-value (0.001). The simultaneous test showed that there was a significant simultaneous influence of disposable income and religiosity level on the savings interest of MI As-Sidiqiyah Siak Teachers in Islamic banking with a calculated F value (54.664) > F table (3.23) with a p-value (0.000).

References

Antonio, M. S. (2001). Bank Syariah, Dari Teori Ke Praktik. Gema Insani Press.

BI-Markplus. (2023). Laporan Perkembangan Perbankan Syariah.

Dewi, E. (2013). Analisis Pertumbuhan Ekonomi, Investasi dan Konsumsi di Indonesia. Jurnal Kajian Ekonomi, 1(2), 178–179.

Direktorat Warisan dan Diplomasi Budaya, D. J. K. R. I. (2023). Siak “the Truly Malay.” https://kebudayaan.kemdikbud.go.id/ditwdb/siak-the-truly-malay/

Djalli. (2009). Psikologi Pendidikan. Bumi Aksara.

Firdaus, M. (2018). Analisis Pengaruh Tingkat Disposable Income Dan Tingkat Pengetahuan Terhadap Minat Menabung Mahasiswa Di Bank Syari’ah. UIN Jakarta.

Padmaminggar, A. (2016). Analisis Pengaruh Tingkat Religiusitas, Pengetahuan, dan Jumlah Uang Saku terhadap minat menabung dibank umum Syariah (Studi kasus pada Mahasiswa. Universitas Brawijaya Malang.

Rialdy, M. A. (2018). Skripsi Analisis Pengaruh Tingkat Religiusitas terhadap Minat Menabung Ibu-Ibu Majelis Taklim Alhidayah diPerbankan Syariah. UIN Sunan Ampel Surabaya.

Sahlan, A. (2011). Religiusitas Perguruan Tinggi: Potret Tradisi Keagamaan di PerguruanTinggi Islam. UIN Maliki Press.

Slameto. (2010). Belajar dan Faktor-Faktor yang Mempengaruhi. PT Rineka Cipta.

Sukardi, & Anwari. (1984). Manfaat Menabung Dalam Tabanas dan Taska. Balai Aksara.

Published
2024-07-31