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p-Index From 2021 - 2026
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All Journal Academia Open Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Muhammad Syahbudi
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Medicine & Pharmacology Public Health Other

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Perceptions and Financial Literacy Drive Student Saving Decisions in Islamic Banking Rizka Ananta Putri; Waizul Qarni; Muhammad Syahbudi
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11535

Abstract

General Background: The rapid expansion of Islamic financial institutions necessitates deeper understanding of how youth perceive and engage with them. Specific Background: High school students, as future economic agents, form an important demographic whose saving behavior can reflect the success of Islamic banking outreach. Knowledge Gap: Despite growing access to Islamic banking, limited studies address the combined influence of perception and financial literacy on students' saving decisions. Aims: This study aims to analyze how perceptions of Islamic banking and financial literacy affect saving decisions among students of Jabal Noor IT High School in relation to Bank Syariah Indonesia (BSI). Results: Using a quantitative method and survey data from 79 students, regression analysis revealed that both perception of Islamic banking (t=4.621) and financial literacy (t=7.530) have a positive and statistically significant effect (p=0.000) on students’ saving decisions. Novelty: The study uniquely focuses on the dual impact of cognitive and attitudinal variables in a high school Islamic context, offering early insights into youth engagement with Sharia-compliant finance. Implications: Findings highlight the importance of fostering positive perceptions and improving financial literacy to enhance saving behavior among young consumers in Islamic banking environments. Highlights: Highlights the significant role of Islamic banking perception in influencing youth saving behavior. Emphasizes financial literacy as a key driver of informed financial decisions. Provides early insights into student engagement with Sharia-compliant banking. Keywords: Islamic Banking, Financial Literacy, Saving Decisions, Student Perceptions, Bank Syariah Indonesia
Analysis of the Contribution of the Agricultural Sector to the GRDP Value of Dairi Regency, North Sumatra Province Marliyah Marliyah; Muhammad Syahbudi; Lisna Limbong
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.422

Abstract

The agricultural sector in Dairi Regency is a strategic sector that has close links with poverty reduction, efforts to overcome unemployment, efforts to build food security, food production, environmental conservation efforts and the basis of regional economic development. the distribution of the highest percentage of Gross Regional Domestic Product (GRDP) from 2014-2018 compared to other sectors. This study aims to examine how big the contribution of the agricultural sector to the Gross Regional Domestic Product (GRDP) in Dairi Regency and to find out how big the projected growth of the agricultural sector's contribution in 2025 in Dairi Regency is with quantitative research using secondary data. This study uses time series data in the form of annual data with a time span of 2016-2020. Data were analyzed using contribution analysis and least squared trend analysis (least square method). Process data processing using excel software. The results of the contribution analysis show that the contribution of the agricultural sector to the Gross Regional Domestic Product (GDP) of Dairi Regency in 2016 was 46.02%, in 2017 it was 45.68%, in 2018 it was 45.29%, in 2019 it was 44.79%, and in 2020 by 45.19%. The results of the analysis of the least squares trend (least square method) show the projected growth of the contribution of the agricultural sector to the Gross Regional Domestic Product (GDP) of Dairi Regency in 2021 by 44.63%, in 2022 by 44.37%, in 2023 by 44.12%, in 2024 by 43.86% and in 2025 by 43.61%.
Co-Authors Lisna Limbong Marliyah Rizka Ananta Putri Waizul Qarni