INTEREST OF STUDENT FEBI IAIN FATTAHUL MULUK PAPUA STUDENT INTEREST IN SAVING IN SHARIAH BANK
Main Article Content
M. Rusulin Risgin
Ahmad Baghis Haidar
Shimah Fauziah Yeubun
Fachrudin Fiqri Affandy
This study aims to examine and analyze the interest in saving in FEBI IAIN Fattahul Muluk Papuan students in Islamic banks. Islamic campus students tend to use services or services from Islamic banks, this is due to the level of Islamic financial literacy that has grown during their studies and is followed by adequate Islamic financial inclusion found in the campus environment. Papua province in 2022 Islamic financial literacy is 45.19% followed by Islamic financial inclusion of 76.36%. It is recorded that in 2022 students who have accounts at Islamic banks account for 90% of the total students as a whole however, there is a decrease every year, moreover there are problems with the customer data security system. This study used a quantitative method with an explanatory research approach and was analyzed using SmartPls version 3. The study population was all FEBI students by distributing questionnaires to 75 respondents who already had accounts at Islamic banks. The results of the study show that there are 2 important variables that can explain the factors of student interest in saving at Islamic banks, including Islamic financial literacy and Islamic financial literacy. These two variables have a positive and significant effect on students' interest in saving at Islamic banks. This study recommends that all parties, both government agencies and campuses, continue to educate the public about sharia financial products and shariah financial management, especially in the millennial generation, to further increase Islamic financial inclusion so that all parties are capable of accessing finance.
Azzahra, K. (2021) “Pengaruh literasi keuangan syariah terhadap minat menabung mahasiswa” Manajemen, Fakultas Ekonomi Universitas Sriwijaya, 1(1).
Ghozali, I. dan Latan, H. (2015) Konsep, Teknik, Aplikasi Menggunakan Smart PLS 3.0 Untuk Penelitian Empiris. Yogyakarta: BPFE.
Hamzah, A. (2019) Metode Penelitian & Pengembangan R&D. Yogyakarta: Literasi Nusantara.
Jannah, M. (2022) “Pengaruh Literasi Keuangan Syariah dan Kepercayaan Mahasiswa Terhadap Minat Menabung di Bank Syariah (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta),” FITK UIN Syarif Hidayatulah Jakarta.
Krisdayanti, M. (2020) “Pengaruh Literasi Keuangan, Inklusi Keuangan, Uang Saku, Teman Sebaya, Gaya Hidup, Dan Kontrol Diri Terhadap Minat Menabung Mahasiswa,” Prisma (Platform Riset Mahasiswa Akuntansi), 1(2), hal. 79–91. https://ojs.stiesa.ac.id/index.php/prisma.
Nasution, A. W. dan Fatira, M. (2019) “Analisis Faktor Kesadaran Literasi Keuangan Syariah Mahasiswa Keuangan Dan Perbakan Syariah,” Equilibrium: Jurnal Ekonomi Syariah, 7(1), hal. 40. doi: 10.21043/equilibrium.v7i1.4258.
Otoritas Jasa Keuangan (2017) Strategi Nasional Literasi Keuangan Indonesia (Revisi 2017), Otoritas Jasa Keuangan.
Puji, P. S. dan Hakim, L. (2021) “Peran Gender sebagai Variabel Moderating Pembelajaran Perbankan Syariah, Literasi Keuangan Syariah, Religiusitas, Inklusi Keuangan Syariah Terhadap Minat Menabung Bank Syariah,” Jurnal Pendidikan Akuntansi (JPAK), 9(1), hal. 1–12. doi: 10.26740/jpak.v9n1.p1-12.
Shalahuddinta, A. dan Susanti (2014) “Pengaruh Pendidikan Keuangan di Keluarga, Pengalaman Bekerja, dan Pembelajaran,” Jurnal Pendidikan Akuntansi, 2(2), hal. 1–10.
Sugiyono (2017) Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
