Fatonah, Nur (2014) THE INFLUENCE OF SAVINGS BONUS TO AL WADIAH SAVINGS IN ISLAMIC RURAL BANK. S1 Undergraduate thesis, Universitas Darussalam Gontor.

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Abstract

One of human needs is security for their property and money. For that, people need a safe and reliable place to store it. Thus, the existence of banks is very important. Sometimes, commercial banks are not able or are at greater risk when touching the lower middle income people. Then, arise Islamic Rural Banks as a solution. To get customers, Islamic Rural Banks must have a special strategy. One of them is the savings bonus. Islamic Bank as a surrogate recipient is not prohibited to provide incentives in the form of bonuses with no previously hinted and the amount is not specified in advance nominal or percentage basis, but it is really a discretion of bank management. One of Islamic Banks products that is many customers demand that products is wadich savings and demand deposits. The rise of promotion-based on bonuses, allow it to be one of factors that influence to savings in Islamic Rural Banks. Based on above the problems that arise there any influence savings bonus on wadiah saving in Islamic Rural Banks in the period 2011-2013 and the extent to which these influences are, This study aims is to know that savings bonus has significant influence and the extent of savings bonus has significant influence to al wadiah savings at Islamic Rural Bank (Period: 2011-2013). This study is literature research, data and information obtained from literature sources (readings) such as financial report, publication, books, studies, and other reading materials. The analysis method used descriptive research which is used to give images about the object more in-depth and analysis method using certain formula which adapted for this topic of accurate problems certain formulas which are adjusted through simple regression analysis. This method is used to analyze and draw conclusions about the influence of savings bonus on wadiah saving in Islamic Rural Banks. This study proves that savings bonus has significant influence to wadiah saving in Islamic Rural Bank according to the result of t test. The obtained t value is 17,065 higher than 1 table which is 2,00575, thus Ho is rejected. It means independent variable (savings bonus) has a significant influence to dependent variable (wadiah saving) in Islamic Rural Bank. Reinforced with estimation test, obtained adjusted R³ is 0,843 it means wadiah saving can be explained by savings bonus in amount 84,3% and the rest 15,7% is explained by another variable outside tho model. Based on this study, expected to become information and inputs for Islamic Rural Banks that it can make a material consideration, directly or indirectly, to evaluate the application of the savings bonus to wadiah saving for customers to maintain customer loyalty in Islamic Rural Banks.

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