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Pengaruh Pengetahuan Masyarakat Desa Cimareme terhadap Minat Menabung di Bank Syariah Asri Sundari; Dadin Solihin; Saepul Ma’mun; Venny Setyowardani
Jurnal Riset Ekonomi Syariah Volume 3, No. 2, Desember 2023 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v3i2.1659

Abstract

ABSTRAK. Tingkat pengetahuan tentang bank syariah berpengaruh signifikan terhadap minat nasabah dalam menabung di bank syariah. Penelitian ini bertujuan mengkaji dampak pengetahuan masyarakat di Desa Cimareme terhadap kecenderungan mereka menabung di bank syariah. Pendekatan data kuantitatif, dikumpulkan melalui simple random sampling, dengan sampel 100 peserta. Hasil penelitian menunjukkan korelasi kuat, dengan skor variabel X (pengetahuan) sebesar 81,78%, dan variabel Y (minat menabung) sebesar 82,13%, menandakan hubungan yang siginifikan. Persamaan regresi, Y = 24,130 + 0,638X, pengetahuan (X = 0) menunjukkan tanpa perubahan. Selain itu, peningkatan 1% dalam pengetahuan, dengan asumsi awalnya 0, mengarah ke peningkatan 0,638 dalam minat menabung. Nilai R-Square sebesar 0,333 menunjukkan bahwa 33,3% varians dalam Y disebabkan oleh X, sedangkan 66,7% dipengaruhi oleh faktor lain. Pengujian hipotesis, membandingkan t-count (6,988) dan t-tabel (1,984) dengan nilai signifikansi 0,000 (<0,05), pengetahuan berpengaruh signifikan terhadap minat menabung di bank syariah. Oleh karena itu, hipotesis alternatif (Ha), menolak hipotesis nol (Ho), adanya hubungan antara pengetahuan dan minat menabung di bank syariah. ABSTRACT. The level of knowledge about Islamic banks has a significant effect on customer interest in saving at Islamic banks. This study aims to examine the impact of community knowledge in Cimareme Village on their tendency to save at Islamic banks. Quantitative data approach, collected through simple random sampling, with a sample of 100 participants. The results showed a strong correlation, with a score of variable X (knowledge) of 81.78%, and variable Y (interest in saving) of 82.13%, indicating a significant relationship. The regression equation, Y = 24.130 + 0.638X, knowledge (X = 0) shows no change. In addition, a 1% increase in knowledge, assuming an initial 0, leads to a 0.638% increase in interest in saving. An R-Square value of 0.333 indicates that 33.3% of the variance in Y is due to X, while 66.7% is influenced by other factors. Hypothesis testing, comparing t-count (6.988) and t-table (1.984) with a significance value of 0.000 (<0.05), knowledge has a significant effect on interest in saving at Islamic banks. Therefore, the alternative hypothesis (Ha), rejects the null hypothesis (Ho), the relationship between knowledge and interest in saving in Islamic banks.