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All Journal Jurnal Ekonomi dan Bisnis Dharma Andalas Prosiding Konferensi Nasional PKM-CSR Jurnal Pengabdian Masyarakat Dharma Andalas JAKBS
Sovita, Ingra
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Pengaruh Religiusitas Dan Literasi Keuangan Syariah Terhadap Minat Menabung Di Bank Syariah (Studi Kasus Pada Mahasiswa FEB Universitas Dharma Andalas) Ramadhan, Farendiva Ananta; Sovita, Ingra
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 4 (2026): Januari - Maret
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jakbs.v3i4.4339

Abstract

This study aims to analyze the influence of Religiosity and Islamic Financial Literacy on the Interest in Saving at Islamic Banks, focusing on students at the Faculty of Economics and Business (FEB), Dharma Andalas University. The research is motivated by the significant growth of the Islamic financial industry in Indonesia, contrasted by the persisting preference for conventional banking among students. The research utilizes a quantitative approach with multiple linear regression analysis. Hypothesis testing was conducted using partial tests (t-test), simultaneous tests (F-test), and the coefficient of determination (R^2). The results show that, partially, the Religiosity variable has a positive and significant effect on saving interest (t_count 9.839 > t_table 1.968; sig 0.000). The Islamic Financial Literacy variable also has a positive and significant effect (t_count 5.144 > t_table 1.968; sig 0.000). Simultaneously, both variables significantly influence saving interest with an $F_{count}$ of 171.012. The Adjusted R Square value of 0.545 indicates that Religiosity and Islamic Financial Literacy contribute 54.5% to the variation in students' interest in saving at Islamic banks, while the remaining 45.5% is explained by other factors outside this study.
Analisis Kinerja Lembaga Amil Zakat (LAZ) Rumah Zakat Sumatera Barat Berdasarkan Indeks Zakat Nasional (IZN) Dengan Pendekatan Dimensi Mikro Fauzan, Rahmat; Sovita, Ingra
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 4 (2026): Januari - Maret
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the performance of the Rumah Zakat West Sumatra Amil Zakat Institution using the National Zakat Index (NZI) from the micro dimension, which includes institutional performance and zakat impact indicators. The research employs a descriptive quantitative approach with data collected through documentation and interviews, which are then analyzed based on the NZI calculation guidelines established by BAZNAS. The results show that the institutional performance indicator achieved an index value of 0.85, categorized as good performance, composed of collection (0.5), management (1), distribution (1), and reporting (1) variables. Meanwhile, the zakat impact indicator recorded an index value of 0.8, indicating a fairly optimal impact of zakat utilization on beneficiaries. This indicator is formed by welfare variables with a value of 1, modified Community Development Index variables with values of 1 and 0.75, and an independence variable with a value of 0.5. Overall, the findings indicate that the micro-dimension performance of Rumah Zakat West Sumatra is relatively optimal; however, improvements are still needed in zakat fund collection and beneficiary independence to enhance the sustainability of zakat impacts in the future.
Co-Authors -, Yentisna Afridianti, Astari DEWI SARTIKA Enny Arita, Enny Arita Ezizwita, Ezizwita Idwar, Idwar Indrayeni, Indrayeni Indwar, Indwar Maryanti, Eka Murniati . Nini, Nini Pratiwi, Cici Putri, Dinda Yulia Raflis, Ratnawati Rahmaita Rahmaita, Rahmaita Rahmat Fauzan, Rahmat Ramadhan, Farendiva Ananta Sari, Puti Embun Siska Lusia Putri Srihasnita, Rita Turay, Tiara Yusnaena Yusnaena, Yusnaena Zai, Tri Swastati Faozi