Jurnal Riset Ekonomi Syariah
Volume 3, No. 2, Desember 2023 Jurnal Riset Ekonomi Syariah (JRES)

Pengaruh Pengetahuan Masyarakat Desa Cimareme terhadap Minat Menabung di Bank Syariah

Asri Sundari (STAI Pelita Nusa Bandung Barat)
Dadin Solihin (STAI Pelita Nusa Bandung Barat)
Saepul Ma’mun (Unknown)
Venny Setyowardani (Unknown)



Article Info

Publish Date
22 Dec 2023

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.  

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Journal Info

Abbrev

JRES

Publisher

Subject

Religion Economics, Econometrics & Finance Education Social Sciences

Description

Jurnal Riset Ekonomi Syariah publishes academic research articles on theoretical and applied studies and focuses on Islamic economics with the scope of Islamic Banking, Islamic Finance, Accounting, and Muamalah. This journal is published by UNISBA Press. Articles submitted to this journal will be ...