Pengaruh Pengetahuan Produk, Tingkat Pemahaman Produk dan Kesadaran Religiusitas Terhadap Minat Menabung di BSI pada Generasi Z

Mutiara Ardiya Sari, Fuad Dhiya Ul Husaen

Abstract


This research is a quantitative study to determine the influence of product knowledge, level of product understanding and awareness of religiosity on interest in saving at BSI. The population is UIN Raden Mas Said Surakarta students. The sample was taken using the Non Probability Sampling technique with Purposive Sampling Technique through distributing questionnaires and obtained 126 respondents, namely FEBI students who had saved at BSI at least three transactions or who had used BSI products/services. The data was tested using the IBM SPSS Statistics 25 application. The analyzes used included: Validity test, reliability test, normality test, multicollinearity test, heteroscedasticity test, multiple linear regression analysis test, t test, F test and determination test (đť‘…2). The results of the t test show that the product knowledge variable has a negative and insignificant effect on interest in saving, the variable level of product understanding has a positive and significant effect on interest in saving, and awareness of religiosity has a positive and significant effect on interest in saving. The results of the F test show that the variables product knowledge, level of product understanding and awareness of religiosity together have a positive and significant effect on interest in saving.


Keywords


Product Knowledge, Level of Understanding, Religiosity Awareness, Interest in Saving

References


Ani, J, B Lumanauw, and J L A Tampenawas. 2021. “Pengaruh Citra Merek, Promosi Dan Kualitas Layanan Terhadap Keputusan Pembelian Konsumen Pada E-Commerce Tokopedia Di Kota Manado the Influence of Brand Image, Promotion and Service Quality on Consumer Purchase Decisions on Tokopedia E-Commerce in Manado.” 663 Jurnal EMBA 9(2): 663–74.

Anwar, Nur Falih et al. “Nur, Indah, Della, Henny, Wahyu, Budi Sudrajat Pengaruh Kualitas Pelayanan Terhadap Minat Menabung Nasabah Pada Bank BSI (Bank Syariah Indonesia) Cabang Serang Banten.” IV: 1–23.

Bella, Sinta, Moh. Faizal, and Fadilla Fadilla. 2023. “Pengaruh Promosi Dan Kualitas Pelayanan Terhadap Minat Menabung Di Bank Syariah Indonesia (BSI) KC Palembang Demang.” Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) 3(1): 125–44.

Darsini, Fahrurrozi, and Eko Agus Cahyono. 2019. “Pengetahuan ; Artikel Review.” Jurnal Keperawatan 12(1): 97.

Fadhlurrahman, Fadhlurrahman, Tri Yaumil Falikah, and Fandi Akhmad. 2021. “Investment of Religious Value of Problemed Students in MA Muhammadiyah 5 Pulung Ponorogo.” At-Ta’dib 16(1): 119.

Fajar Sodik, M. Akrom Hidayat, Rikhadatun Abir Al Farda, and Raida Nadia Syahita. 2022. “Analisis Pengaruh Pengetahuan Produk Dan Religiusitas Terhadap Minat Menabung Di Bank Syariah.” Jurnal Ilmu Perbankan dan Keuangan Syariah 4(2): 123–43.

Hasna, T N I, and R Khoiriyah. 2023. “Pengaruh Pengetahuan Produk, Religiusitas, Dan Lokasi Terhadap Minat Menabung Di Bank Syariah Indonesia Pada Generasi Z ….” 9(03): 4082–91. http://eprints.iain-surakarta.ac.id/7536/1/SKRIPSI_TASNA NAFISAH INAS HASNA_195231026.pdf.

Hati, Sri Rahayu Hijrah, Sigit Sulistiyo Wibowo, and Anya Safira. 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): 1363–84.

Madya, Widyaiswara, Balai Diklat, and Keagamaan Palembang. 2000. “Widyaiswara Madya Balai Diklat Keagamaan Palembang.”

Mardiana, Eva, Husni Thamrin, and Putri Nuraini. 2021. “Analisis Religiusitas Terhadap Minat Menabung Di Bank Syariah Kota Pekanbaru.” Jurnal Tabarru’: Islamic Banking and Finance 4(2): 512–20.

Muhlis, and Ainur Hasanah. 2023. “Pengetahuan Produk Dan Reputasi Bank Serta Pengaruhnya Terhadap Minat Masyarakat Menabung Di Bank Syariah Indonesia.” ABHATS: Jurnal Islam Ulil Albab 4(1): 28–38.

Musthofa, Muhammad Anim, and Mila Fursiana Salma Musfiroh. 2022. “Pengaruh Produk, Promosi Dan Gaya Hidup Terhadap Minat Menabung Siswa Pada Bank Syariah.” Jamasy Jurnal Akuntansi, Manajemen & Perbankan Syariah 2(1): 64–74. https://ojs.unsiq.ac.id/index.php/jamasy/article/view/2555/1580.

Natali, Sri Sulastri. 2017. “Analisis Tingkat Pemahaman Siswa Berdasarkan Teori APOS Pada Materi Persamaan Kuadrat Ditinjau Dari Minat Belajar Siswa Kelas X SMA Negeri 2 Surakarta Tahun Ajaran 2015/2016.” Pendidikan Matematika dan Matematika (JPMM) 1(5): 104–17.

Nurfitriani, and Ulfa Hidayatai. 2021. “Pengaruh Produk Dan Lokasi Terhadap Minat Masyarakat Desa Kadong-Kadong Menabung Di Bank Syariah Belopa.” Jurnal Manajemen dan Perbankan Syariah 3(November). http://repository.iainpalopo.ac.id/id/eprint/4802/%0Ahttp://repository.iainpalopo.ac.id/id/eprint/4802/1/NURDIN.PDF.

Nursalam, metode penelitian. 2013. “Minat Mahasiswa Prodi PJKR FIK UNY Terhadap Olahraga Sepakbola.” Journal of Chemical Information and Modeling 53(9): 1689–99.

Qhaerunnisa, Andika Rusli, and Haedar. 2018. “BANK SYARIAH ( Studi Pada Perbankan Syariah Di Kota Palopo ) Influence Of Products , Religiusity , and Systems On Results On Customers ’ Decisions In Syariah Banks ( Studies on Islamic Banking in Palopo City ) Latar Belakang Dalam Perekonomian Suatu Negar.”

Roni, May Roni, and Shintia Indah Pratiwi. 2022. “Pengetahuan Mahasiswa Program Studi Perbankan Syariah Terhadap Minat Menabung Di Bank Syariah Indonesia (BSI).” Falah Journal of Sharia Economic Law 3(2): 75–86.

Saradian Rahmaresya. 2019. “PENGARUH RELIGIUSITAS TERHADAP KESADARAN MASYARAKAT DALAM MEMBAYAR ZAKAT PROFESI (Studi Kasus Di Kelurahan Temanggung II Kec. Temanggung Kab. Temanggung.” http://eprintslib.ummgl.ac.id/239/.

Seviani, Pinkan, and Kim Budiwinarto. 2021. “Surakarta Accounting Review ( SAREV ).” Fakultas Ekonomi Universitas Surakarta 3(2): 89–100.

Sugesti, Putri, and Luqman Hakim. 2021. “Peran Religiusitas Dalam Memoderasi Disposable Income Dan Pengetahuan Perbankan Syariah Terhadap Minat Menabung Di Bank Syariah.” Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, dan Perbankan Syariah 5(1): 47.

Sujianto, Agus et al. 2023. “Pengaruh Pengetahuan, Perspektif, Dan Religuitas Masyarakat Terhadap Minat Menabung Di Bank Syariah.” Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan 1(3): 95–106. https://doi.org/10.58192/wawasan.v1i3.868.

Supriati, Nelis et al. 2019. “Meningkatkan Kemampuan Pemahaman Konsep Materi Masalah Sosial Menggunakan Model Pembelajaran Coyre Review Horay Pada Kelas IV SD.” Journal of Elementary Education 02(03): 3.

Syamratul Haida. 2022. “Pengaruh Pemahaman Produk Dan Kualitas Pelayanan Terhadap Minat Masyarakat Menabung Di Bank Syari’ah Indonesia.” Al-Hisbah Jurnal Ekonomi Syariah 3(1): 66–77.

Windiarnas aprisco, I Nyoman sudapet. 2015. “ANALISA PROGRES NILAI PRODUK SIMPANAN (DANA PIHAK KETIGA) PADA PT. BANK RAKYAT INDONESIA (PERSERO) Tbk KANTOR CABANG PEMBANTU JATIROGO TUBAN.” 1: 124–35.




DOI: https://doi.org/10.29103/el-amwal.v7i1.14267

Article Metrics

 Abstract Views : 306 times
 PDF (Bahasa Indonesia) Downloaded : 68 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2024 Mutiara Ardiya Sari, Fuad Dhiya Ul Husaen

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Flag Counter

statcounter