ANALISIS FAKTOR RELIGIUSITAS DAN PENGETAHUAN YANG MEMPENGARUHI MINAT MASYARAKAT MUSLIM MENABUNG DI BANK SYARIAH (Studi Kasus di Kecamatan Cileungsi)

Abstract

Abstrak

Perbankan syariah di Indonesia mengalami pertumbuhan positif seiring meningkatnya kesadaran masyarakat terhadap keuangan berbasis nilai Islam. Namun, dominasi bank konvensional masih tinggi, sehingga minat masyarakat terhadap bank syariah belum optimal. Penelitian ini bertujuan menganalisis pengaruh religiusitas dan pengetahuan terhadap minat masyarakat Muslim menabung di bank syariah di Kecamatan Cileungsi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner. Sampel sebanyak 110 responden diperoleh dengan teknik purposive sampling. Analisis data menggunakan regresi linier berganda untuk menguji pengaruh parsial dan simultan. Hasil   penelitian menunjukkan bahwa religiusitas berpengaruh positif dan signifikan terhadap minat menabung, sedangkan pengetahuan tidak berpengaruh signifikan secara parsial. Namun, secara simultan keduanya berpengaruh signifikan. Nilai Adjusted R² sebesar 0,455 menunjukkan bahwa 45,5% variasi minat dapat dijelaskan oleh kedua variabel tersebut, sedangkan sisanya dipengaruhi oleh variabel lain di luar penelitian ini. Disarankan agar bank syariah meningkatkan edukasi dan pendekatan berbasis nilai religius untuk meningkatkan minat masyarakat.

Kata Kunci: Religiusitas, Pengetahuan, Minat Menabung.

Abstract

Abstract Islamic banking in Indonesia has shown positive growth in line with increasing public awareness of Islamic financial values. However, the dominance of conventional banks remains high, indicating that public interest in Islamic banking is still not optimal. This study aims to analyze the effect of religiosity and knowledge on the saving interest of Muslim communities in Islamic banks in Cileungsi District. This research employs a quantitative approach using a survey method with questionnaires. A total of 110 respondents were selected using purposive sampling. Data were analyzed using multiple linear regression to examine both partial and simultaneous effects. The results show that religiosity has a positive and significant effect on saving interest, while knowledge does not have a significant partial effect. However, both variables simultaneously have a significant effect. The Adjusted R² value of 0.455 indicates that 45.5% of the variation in saving interest can be explained by these variables, while the rest is influenced by other variables outside this research. It is recommended that Islamic banks enhance educational efforts and religious-based approaches to increase public interest.

Keywords: Religiosity, Knowledge, Saving Interest.