The Effect of Cultural Factors on Saving Decisions at BRI Bank Lhokseumawe

Abstract

This study is intended to determine how much cultural factors influence the decision to save at the Lhokseumawe branch of the Indonesian Islamic People's Bank. In this study, the author uses only one independent variable, namely cultural factors (X). The results of the research using SPSS analysis tools show the final equation as follows: Y = 1.371 + 0.616X, the correlation coefficient (R) is 0.651 or 65.1%, it shows that culture has a very close relationship with the decision to save at Bank Rakyat Indonesia Syariah Lhokseumawe Branch. R Square value of 0.424 or 42.4% indicates that the independent variable (X) affects the dependent variable (Y) and the remaining 57.6% is influenced by other variables outside this study at a 95% confidence level and the value of Fcount> Ftable. 95% confidence or = 0.05 is 3.94 while Fcount is 69,057, this means Fcount > Ftable. Thus, culture influences the decision to save at Bank Rakyat Indonesia Syariah Lhokseumawe Branch. From the results of tests that have been carried out both by t-test and F-test, it is known that cultural factors influence the decision to save at Bank Rakyat Indonesia Syariah Lhokseumawe Branch. It is shown from the results of the study that the value of the coefficient b = 0.616 and the tcount value of 8.310 is greater than the ttable value with a value of 1.985 with a significance value of 0.000.