International Journal of Academic Research in Business and Social Sciences

search-icon

The Influence of People's Knowledge on Their Interest in Saving in Islamic Banks

Open access
This study discusses in depth the importance of the influence of people’s knowledge on their interest in saving in Islamic banks, because the knowledge about the interest in making transactions in Islamic banking includes the information about products, services, mechanisms and activities of Islamic banks influencing people's interest in saving in Islamic banks. The type of the study is field research with a quantitative descriptive approach, this study applies a survey method in which the primary data is carefully collected through questionnaires. The sample of the study consists of 200 respondents, namely the people in Bengkalis Regency, Riau, Indonesia. The data analysis technique of the study is simple linear regression analysis with data processing performed by SPSS software Version 22. The hypothesis testing is through the partial analysis (t-test) and the coefficient of determination test (R2). The main findings of the study show that there is a significant influence between knowledge and interest in saving at Islamic banks. This is proven by the t-count value of the knowledge variable (X) of 12.239 and the t-table value of 1.972, so it is known that: t-count > t-table (12.239 > 1.972) with a significance level of 0.000 < 0.05. Furthermore, the Coefficient of Determination (R2) value is 0.431. It means that 43.1% of the variable of people's interest in saving in Islamic banks is influenced by the knowledge variable, while the remaining 56.9% is influenced by other variables not examined in this study. For further study, it is suggested to examine other variables such as religiosity, excellent service and attitude.

Crow. (1984). Psikologi Pendidikan. Nur Cahaya.
Hati, S. R. H., Wibowo, S. S., & Safira, A. (2020). The antecedents of Muslim customers’ intention to invest in an Islamic bank’s term deposits: evidence from a Muslim majority country. Journal of Islamic Marketing, 12(7), 1363–1384. https://doi.org/10.1108/JIMA-01-2020-0007
Komite Nasional Keuangan Syariah. (2018). Masterplan Ekonomi Syariah Indonesia 2019-2024. Kementerian Perencanaan Pembangunan Nasional/ Badan Perencanaan Pembangunan Nasional, 1–443. https://knks.go.id/storage/upload/1573459280-Masterplan Eksyar_Preview.pdf
Kotler, P., Molan, B., Sarwiji, B., & Lane, K. (2009). Manajemen Pemasaran (Jilid 2 Ce). Indeks.
Mardiana, E., Thamrin, H., & Nuraini, P. (2021). Analisis Religiusitas Terhadap Minat Menabung di Bank Syariah Kota Pekanbaru. Jurnal Tabarru’?: Islamic Banking and Finance, 4(2), 512–520.
Mujaddid, F., & Nugroho, P. T. A. (2019). PENGARUH PENGETAHUAN, REPUTASI, LINGKUNGAN DAN RELIGIUSITAS TERHADAP MINAT PELAJAR SEKOLAH MENENGAH KEJURUAN PRODI PERBANKAN SYARIAH DALAM MENABUNG DI BANK SYARIAH. Jurnal Ekonomi Islam, 10(1), 14–37.
Nugraheni, P., & Widyani, F. N. (2021). A study of intention to save in Islamic banks: the perspective of Muslim students. Journal of Islamic Marketing, 12(8), 1446–1460. https://doi.org/10.1108/JIMA-11-2019-0233
Rokhani, S., & Nurkhin, A. (2021). Pengaruh Pengetahuan dan Karakteristik Bank Terhadap Minat Menabung Mahasiswa di Bank Syariah Dengan Religiusitas Sebagai Variabel Moderasi. Business and Accounting Education Journal, 2(2), 235–243. https://doi.org/10.15294/baej.v2i2.50651
Rosyid, M., & Saidiah, H. (2016). Pengetahuan Perbankan Syariah dan Pengaruhnya terhadap Minat Menabung Santri Dan Guru. Islaminomic, 7(2), 37–45.
Rudi Haryono. (2022). Pengaruh Pengetahuan, Religiusitas dan Kepercayaan Terhadap Minat Menabung di Bank Syariah. Journal of Comprehensive Islamic Studies, 1(1), 133–156. https://doi.org/10.56436/jocis.v1i1.95
Saleh, A. R. (2021). Psikologi?: suatu pengantar dalam perspektif Islam / penulis, Abdul Rahman Saleh (Edisi pert). Kencana.
Shome, A., Jabeen, F., & Rajaguru, R. (2018). What drives consumer choice of Islamic banking services in the United Arab Emirates? International Journal of Islamic and Middle Eastern Finance and Management, 11(1), 79–95. https://doi.org/10.1108/IMEFM-03-2017-0066
Sugiyono. (2018). Metode penelitian kuantitatif, kualitatif dan kombinasi (mixed methods) (Cetakan ke). Alfabeta.
Suranto. (2019). Metodologi Penelitian dalam Pendidikan dengan Program SPSS (L. Aksara (ed.)).
Syah, M. (2004). Psikologi Pendidikan. Remaja Rosda Karya.