The Effect of Religiosity, Literacy and Perception Levels on Students Interest in Saving in Islamic Banking

Abstract

Sharia banks are banks that carry out their business activities based on Sharia principles. The market share of Islamic banks is still relatively low. Therefore, it is necessary to play an active role in all elements, one of which is Islamic banking academics. This study aims to determine the influence of religiosity, Islamic banking literacy, and perceptions of students' interest in saving in Islamic banking. The population in this study was students of the Sharia Banking Study Program, Faculty of Economics and Islamic Business, State Islamic University, Professor Kiai Haji Saifuddin Zuhri Purwokerto, the sample used was 89 respondents. Research methods using quantitative methods, data collection techniques using questionnaires, and documentation. Hypothesis testing using t-test and F-test using SPSS 21 tool.

The results showed that: (1) Religiosity affects the interest in saving in Islamic banking. (2) The level of Islamic banking literacy does not affect the interest in saving in Islamic banking. (3) The level of perception affects the interest in saving in Islamic banking. (4) Religiosity (X1), literacy (X2), and perception (X3) simultaneously affect interest in saving (Y) in Islamic banking. Based on these results, it can be said that the higher a person's level of religiosity, the higher one's interest in saving, then not only people who have literacy related to Islamic banking will be interested in saving in Islamic banking and better one's perception of Islamic banking, the higher one's interest in saving will be.