LITERASI EKONOMI SYARIAH DAN TEMAN SEBAYA TERHADAP MINAT MENABUNG DI PERBANKAN SYARIAH

Authors

  • Noni Rozaini Universitas Negeri Medan
  • Rizki Husnul Amelia Universitas Negeri Medan
  • Ina Namora Putri Siregar Universitas Prima Indonesia
  • Mica Siar Meiriza Universitas Negeri Medan

DOI:

https://doi.org/10.24114/niaga.v11i1.32924

Keywords:

Sharia Economic Literacy, Peer Friend, Savings Interest

Abstract

This study aims to determine how much the influence of sharia economic literacy and peers on student savings interest in Islamic banking (study on students of the 2014 batch of Economic Education Study Program at the State University of Medan. The population in this study were all students of 2014 Economic Education Study Program totaling 126 students with 96 students as research samples.The sampling technique used is simple random sampling. Data collection techniques are carried out by means of tests and questionnaires. Test the validity of the questionnaire using the Pearson product moment formula, and its reliability is calculated using Cronbach Alpha. The research data analysis technique is multiple linear regression to test the research hypothesis using t test and F test. The results of multiple regression analysis obtained equation Y = 31,058 - 0,020X1 + 0,320X2 + e. Furthermore, the coefficient of determination (R2) is 0.362 which means that it is equal to 36.2%, the variables X1 and X2 can explain the interest in saving students (Y) and the scales of 63.8% are explained by other variables not examined in this study. Based on the t test, it was found that each variable X1 did not have a positive and significant effect on students' savings interest (Y) in Islamic banking with a tcount <ttable (0.675 <1.666) and there was a positive and significant influence between X2 variables on student savings ( Y) in Islamic banking with a value of t> t table (7.259> 1.666). While the F test found that there is a positive and significant influence between Islamic economic literacy (X1) and peers (X2) on the interest in saving students (Y) in Islamic banking with a value of Fcount> Ftable (26.739> 3.09) and significance value ( 0,000 <0,05).

References

Andespa, Roni. (Januari-Juni 2017). Faktor-Faktor Yang Mempengaruhi Minat Nasabah Dalam Menabung Di Bank Syariah. Journal Universitas Islam Negeri Imam Bonjol Padang. Volume 2, Nomor 1. Diakses 28 januari 2018.

Arikunto, Suharsimi. 2010. Prosedur Penelitian suatu Pendekatan Praktik. Jakarta: PT Rineka Cipta.

Ascarya, Diana Yumanita. 2005. Bank Syariah : Gambaran Umum. Jakarta: Pusat Pendidikan dan Studi Kebanksentralan (PPSK) BI.

Chotimah dan Rohayati. (2015). Pengaruh Pendidikan Keuangan Di Keluarga, Sosial Ekonomi Orang Tua, Pengetahuan Keuangan, Kecerdasan Spiritual, Dan Teman Sebaya Terhadap Manajemen Keuangan Pribadi Mahasiswa S1 Pendidikan Akuntansu Fakultas Ekonomi Universitas Negeri Surabaya. Jurnal Pendidikan Akuntansi. Vol.3, No.2

Ghofur, Abdul. 2017. Pengantar Ekonomi Syariah: Konsep Dasar, Paradigma, Pengembangan Ekonomi Islam. Depok: Rajawali Press.

Muthia Triani. (2017). Analisis Saving Behaviour Pada Mahasiswa S1 Di Kota Padang. Skripsi Universitas Andalas.

Rozaini Noni , M. Yusuf Harahap dan M. Nasir Nasution. Interdependensi Variabel Makro Ekonomi terhadap Perkembangan Aset Perbankan Syariah.Volume 17 Number 1 June 2017. Diakses 27 Maret 2018.

Noorhidayah. 2016.Faktor-Faktor Yang Memengaruhi Preferensi Mahasiswa Terhadap Tabungan Syariah (Studi Kasus: Sekolah Tinggi Ekonomi Islam Tazkia). Bogor.Fakultas Ekonomi Dan Manajemen.Institut Pertanian Bogor.

Nurhipnudin. 2015. Analisis Faktor-Faktor yang Mempengaruhi Minat Bertransaksi Mahasiswa Non Muslim Pada Bank Syariah [Skripsi]. Yogyakarta(ID): Fakultas Syariah dan Hukum, Universitas Islam Negeri.

Nuraeni. (2015). Pengaruh Literasi Ekonomi, Kelompok Teman Sebaya Dan Kontrol Diri Terhadap Perilaku Pembelian Impulsif Untuk Produk Fashion Pada Mahasiswa Fakultas Ekonomi Universitas Negeri Yogyakarta.Skripsi Universitas Negeri Yogyakarta.

Oryza Rachim Septiani. 2017. Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menabung di Bank Syariah Studi Manajemen. Skripsi Universitas Muhammadiyah Purwokerto. Diakses 1 April 2018.

Peter G Sina. 2012. Literasi Ekonomi. Diakses dari http://ekonomi.kompasiana.com/moneter/2012/05/01/literasiekonomi459579.html. 27 Februari 2018.

Menabung Di Bank Syariah, SkripsiFakultas Ekonomi Dan Bisnis Islam Institut Agama Islam Negeri (Iain), Salatiga.

Rozaini, Noni dan Al Barawi, Qomar. 2018. Pengantar Ekonomi Syariah. Medan: Madenatera.

Rozaini, Noni. Persepsi Siswa Tentang Ekonomi Syariah Dan Hubungannya Dengan Minat Mempelajari Ekonomi Syariah.Jurnal Ekonomi. Diakses 27 Maret 2018.

Rusdianto, Hutomo dan Chanafi Ibrahim. Pengaruh Produk Bank SyariahTerhadap Minat Menabung DenganPersepsi Masyarakat Sebagai VariabelModerating Di Pati. Universitas Muria Kudus. Volume 4, Nomor 1, Juni 2016, 43 “ 61.Diakses 17 januari 2018.

Umam, Khotibul. 2016. Perbankan Syariah: Dasar-dasar dan Dinamika Perkembangannya di Indonesia. Jakarta: Rajawali Pers.

Vivi Permata Sari Dan Irwan Nuryana K. 2005. Hubungan Kecerdasan Ruhaniah Dengan Minat Menabung Di Bank Syariah. Naskah Publikasi. Fakultas Psikologi Universitas Islam Indonesia Yogyakarta.

Wahana, Arwansa. (2014). Analisis faktor-faktor yang mempengaruhi perilaku mahasiswa dalam menabung (studi kasus mahasiswa strata satu fakultas ekonomika dan bisnis universitas diponegoro tembalang). Skripsi. Program Sarjana Fakultas Ekonomika dan Bisnis Universitas Diponegoro.

Wulandari dan Hakim. (2015). Pengaruh Love Of Money, Pendidikan Keuangan Di Keluarga, Hasil Belajar Manajemen Keuangan, Dan Teman Sebaya Terhadap Manajemen Keuangan Pribadi Mahasiswa. Jurnal Akuntansi. Vol.3, No.3, Hal.1-6.

Downloads

Published

2022-03-06

Issue

Vol. 11 No. 1 (2022): NIAGAWAN VOL 11 NO 1 MARET 2022

Section

Articles

License

Authors who publish in this journal agree to the following terms:

  1. Authors retain copyright and grant the journal the right of first publication, with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share and adapt the work with an acknowledgment of the work's authorship and initial publication in this journal.
  2. Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work, with an acknowledgment of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online before and during the submission process, as it can lead to productive exchanges and earlier and greater citation of published work. Where authors include such work in an institutional repository or on their website, we request that they include a statement acknowledging the Jurnal Perspektif Pembiayaan dan Pembangunan Daerah, including the name of the journal, the volume number, and a web link to the journal item.
  4. Authors should be aware that the Creative Commons Attribution 4.0 International License (CC BY 4.0) permits readers to share (copy and redistribute the work in any medium or format) and adapt (remix, transform, and build upon the work) for any purpose, even commercially, provided they also give appropriate credit to the work, provide a link to the license, and indicate if changes were made. They may do these things reasonably but not in any way that suggests the author or the publisher endorses their use.

NIAGAWAN by Program Studi Pendidikan Bisnis Fakultas Ekonomi Universitas Negeri Medan is licensed under CC BY-NC 4.0