In recent years, Sharia banks in Indonesia have continued to improve their achievements and have been able to generate increasing profits. Based on 2021 Financial Services Authority data, the sharia banking industry in Indonesia at the end of December numbered 233 institutions. This is encouraging, but still needs to be improved because compared to the number of Indonesian people who use non-Sharia banks, it is still far behind. The market potential in Riau and the Riau Islands is quite large, considering that the majority of the population is Muslim. Total asset growth was 52.42%, and total savings growth was 74.64%. where this figure is the second highest figure in northern Sumatra after Nangroe Aceh Darussalam. The aim of this research is to determine the influence of people's attitudes and beliefs towards saving money at Sharia banks in Riau Province. The sampling technique used was Proportionate Stratified Random Sampling, while the data collection technique used was a questionnaire. To analyze the data, the method used is a quantitative descriptive method. In analyzing quantitative data, SmartPLS (version 3.1.2) was used with a sample size of 384 people. The findings of this research indicate that hypothesis testing on the coefficient influences the direct path between the Attitude and Trust variables. The results of the direct influence can be seen in the following structural model (inner model): First Hypothesis Testing (H1). With a significant value of 0.000 < 0.05 or below 5%, it can be concluded that the positive path coefficient value indicates that attitude has a significant positive effect on Interest in Saving. Based on the test results, it can be concluded that the first hypothesis is accepted. Second Hypothesis Testing (H2). With a significant value of 0.017 < 0.05 or below 5%, it can be concluded that the positive path coefficient value indicates that Trust has a significant positive effect on Interest in Saving. Based on the test results, it can be concluded that the third hypothesis is accepted.
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(Zulfa et al., 2024)
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