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All Journal Jurnal Ekonomi Daya Saing : Jurnal Ilmu Manajemen Diklat Review : Jurnal manajemen pendidikan dan pelatihan Jurnal Scientia Jurnal Pengabdian Masyarakat Akademisi International Journal of Islamic Business and Management Review Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Jurnal Bisnis Kompetitif Jurnal Pengabdian Kompetitif Eko dan Bisnis: Riau Economic and Business Review
Diana Sri Dewi
Sekolah Tinggi Ilmu Ekonomi Riau
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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PENGARUH LITERASI, RELIGIUSITAS DAN PERSEPSI TERHADAP MINAT MENABUNG DI BANK SYARIAH (STUDI KASUS MAHASISWA SEKOLAH TINGGI ILMU EKONOMI RIAU) Diana Sri Dewi; Nurhayana Nurhayana
Jurnal Daya Saing Vol. 12 No. 2 (2026): JURNAL DAYA SAING (JDS)
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v12i2.2950

Abstract

This study aims to determine the effect of Islamic financial literacy, religiosity, and perception on the intention to save in Islamic banks among students of Sekolah Tinggi Ilmu Ekonomi Riau. This research uses a quantitative approach. The population in this study were students of Sekolah Tinggi Ilmu Ekonomi Riau, with an unknown total population. The sample consisted of 115 respondents, determined based on Hair et al.’s recommendation by multiplying 23 statement items by 5. The sampling technique used was purposive sampling. Data were collected through questionnaires and analyzed using instrument testing, classical assumption testing, multiple linear regression analysis, t-test, F-test, and coefficient of determination. The results showed that Islamic financial literacy has a positive and significant effect on the intention to save in Islamic banks, with a t-count value of 2.168 > t-table 1.981 and a significance value of 0.032 < 0.05. Religiosity has a positive and significant effect, with a t-count value of 3.257 > 1.981 and a significance value of 0.001 < 0.05. Perception also has a positive and significant effect, with a t-count value of 12.834 > 1.981 and a significance value of 0.001 < 0.05. Simultaneously, Islamic financial literacy, religiosity, and perception have a significant effect on the intention to save in Islamic banks, with an F-count value of 243.101 > F-table 2.69 and a significance value < 0.05.
Co-Authors Arhipen Yapentra Aziz, Andi Abdul Cahyono, Jeki Tri Dian Febrina Dinda Genta Wicara Eka Putra Febrina, Dian Jeli Nata Liyas Jeli Nata Liyas Jenita Jenita MAHBUBAH SRIMULATSIH Muhammad Ali Aqsa Nikmah, Junita Ulfatun nova syafrina NURHAYANA NURHAYANA Nurhayana Nurhayana Nurhayana, Nurhayana Nurul Sukriani NURUL SUKRIANI Puspa Gundary Putra Budi Ansori Risman Risman Saputri, Marlinda Siti Rofidah Sri Restuti Sukriani, Nurul Teuku Reza Kurniawan Wicara, Dinda Genta Yulia Harwina Yulia Harwina