Thesis Published

Determinants of Students Interest in Saving at Islamic Bank

Kamila, Alifiannissa Tasya
Abstract
This study addresses the issue of low saving interest among Indonesians, including students, in Islamic banks. The study was conducted at Universitas Darussalam Gontor, Mantingan Women's Campus, to analyze the influence of service quality, Islamic financial literacy, perception, and trust on students' interest in saving in Islamic banks.This research employs a descriptive quantitative approach using purposive sampling, involving 118 students from the Faculty of Economics and Management. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS version 26. Classical assumption tests were conducted to ensure the regression model met the analysis requirements.The results show a coefficient of determination (R² = 0.781), indicating that the four independent variables collectively explain 78.1% of the variability in students' interest in saving, while the remaining 21.9% is influenced by other factors. The F-Test shows that the four variables simultaneously have a significant effect on saving interest (F = 45.672, p < 0.05). However, service quality does not have a significant effect (p = 0.966). In contrast, Islamic financial literacy (p = 0.002), perception (p = 0.000), and trust (p = 0.049) have a positive and significant influence on students' saving interest.These findings recommend further research on strategies to enhance Islamic financial literacy and the role of perception and trust in saving decisions. Islamic banks are also advised to strengthen marketing strategies based on education and transparency to increase students' trust in Islamic banking products. Initiatives such as financial literacy programs, value-based Islamic promotions, and attractive incentives can be effective strategies to increase students' interest in saving in Islamic banks.
Publication Details
InstitutionUniversitas Darussalam Gontor
DepartmentEkonomi Islam
KeywordsInterest in Saving, Sharia Bank, Sharia Financial Literacy, Perception, Trust
Item ID7261
Deposited24 Apr 2025 07:02
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