ISSN: 2222-6990
Open access
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.
Alam, A. P., & Jureid. (2021). Analisis Faktor yang Mempengaruhi Non Muslim menjadi Nasabah Bank Syariah Indonesia di Medan. Jurnal Islamic Circle, 2(1), 16–27.
Ahmed, U., Zin, M. L. M., & Majid, A. H. A. (2016). Impact of Intention and Technology Awareness on Transport Industry’s E-service: Evidence from an Emerging Economy. ?????? (JIDB), 7(3), 13-18.
Ahmed, U., Phulpoto, W., Umrani, W.A., Abbas, I.A. (2016). Diving deep in employee training to understand employee engagement. The International Journal of Management, 5(1), 1-5
Agustin, H. (2021). Teori Bank Syariah. JPS (Jurnal Perbankan Syariah), 2(1), 67–83. https://doi.org/10.46367/jps.v2i1.279
Ariskha, A., Siregar, M. Y., & Isnaniah, L. K. S. (2020). Pengaruh Kompensasi Finansial Dan Kompensasi Non Finansial Terhadap Kinerja Karyawan Pt. Jaya Beton Indonesia Cabang Medan. Jurnal Ilmiah Manajemen dan Bisnis (JIMBI), 1(2).
Ayu, N., Zamroni, A., Rahman, A. S., & Hermawan, T. (2021). Regresi Linear Berganda Dalam Uji Pengaruh Sikap Dan Perilaku Terhadap Keinginan Menabung Santri Pada Bank Syariah. Intersections, 6(2), 1-10.
Bakhtiar, M. R., Kartika, E., & Listyawati, I. (2022). Faktor-faktor pengaruh minat nasabah pengguna internet banking Bank Syariah Mandiri. Al Tijarah, 6(3), 156. https://doi.org/10.21111/tijarah.v6i3.5696
Faqihuddin, A. (2019). Tatakelola Syariah Pada Bank Syariah. El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah, 3(01), 19–34. https://doi.org/10.34005/elarbah.v3i01.912
Hussain, A., Khan, M., Rehman, A., Sahib Zada, S., Malik, S., Khattak, A., & Khan, H. (2021). Determinants of Islamic social reporting in Islamic banks of Pakistan. International Journal of Law and Management, 63(1), 1–15. https://doi.org/10.1108/IJLMA-02-2020-0060
Pratikto, H., & Sugianto, I. (2017). Kinerja efisiensi bank syariah sebelum dan sesudah krisis global berdasarkan data envelopment analysis.
Muchlis, M. (2021). Persepsi Nasabah Terhadap Bank Syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam (JIEI), 7(03), 1793–1798.
Melisa, & Siregar, dian lestari. (2021). Jurnal Fair Value. 4(2), 691–703.
Nurrohmah, R. F., & Purbayati, R. (2020). Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah. Jurnal Maps (Manajemen Perbankan Syariah), 3(2), 140–153. https://doi.org/10.32627/maps.v3i2.135
Nesneri, Y., Hidayati, F., & Novita, U. (2020). Strategi Unit Usaha Syariah Bank Umum Konvensional Dalam Menghadapi Spin Off 2023 (Studi Pada Pt. Bpd Riau Dan Kepulauan Riau. Jurnal Tabarru’: Islamic Banking and Finance, 3(2), 335–346. https://doi.org/10.25299/jtb.2020.vol3(2).5939
Prihanto, H. (2017). Analisis Terhadap Faktor-Faktor Yang Memengaruhi Masyarakat Untuk Menabung Di Bank Syariah. Profita: Komunikasi Ilmiah dan Perpajakan, 10(1), 1-26.
Roflin, E., & Liberty, I. A. (2021). Populasi, Sampel, Variabel dalam penelitian kedokteran. Penerbit NEM.
Rohmatun, K. I., & Dewi, C. K. (2017). Pengaruh Pengetahuan Dan Religiusitas Terhadap Niat Beli Pada Kosmetik Halal Melalui Sikap. Journal Ecodemica, 1(1), 27–35. https://ejournal.bsi.ac.id/ejurnal/index.php/ecodemica/article/view/1420
Syariah, P. B. (2021). Regresi Linear Berganda Dalam Uji Pengaruh Sikap. 6(2).
Tabrani, M., Amin, M., & Nizam, A. (2018). Trust, commitment, customer intimacy and customer loyalty in Islamic banking relationships. International Journal of Bank Marketing, 36(5), 823–848. https://doi.org/10.1108/IJBM-03-2017-0054.
Yu, T., Khalid, N., & Ahmed, U. (2021). Factors influencing entrepreneurial intention among foreigners in Kazakhstan. Sustainability, 13(13), 7066.
(Zulfa et al., 2024)
Zulfa, M., Cheumar, M., Haji-Othman, Y., & Abbas, S. I. (2024). Analysis of The Influence of Attitudes and Beliefs on Interest in Saving in Sharia Bank in Riau Province. International Journal of Academic Research in Business and Social Sciences, 14(4), 1555–1566.
Copyright: © 2024 The Author(s)
Published by HRMARS (www.hrmars.com)
This article is published under the Creative Commons Attribution (CC BY 4.0) license. Anyone may reproduce, distribute, translate and create derivative works of this article (for both commercial and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this license may be seen at: http://creativecommons.org/licences/by/4.0/legalcode