PENGARUH PEMAHAMAN AKAD MUDHARABAH DAN AKAD WADIAH TERHADAP KEPUTUSAN MENABUNG MASYARAKAT DI BSI KANTOR CABANG CIANJUR - Hidayat, Indra Muhammad Syarief; Azizah, Sarah (Universitas Suryakancana, 2024)
Penelitian ini dilatarbelakangi oleh rendahnya ketertarikan mayarakat terhadap perbankan syariah, belum sepenuhnya tertarik hanya berlandaskan bahwa bank syariah tidak menganut unsur riba, namun pemahamannya terhadap perbankan syariah apalagi tentang akad-akad yang ada dibank syariah masih belum dipahami oleh masyarakat, dilihat dari daftar Bank yang paling banyak dipakai di Indonesia dari sebanyak 107 bank di Indonesia, ada lima bank yang paling banyak dipakai masyarakat untuk bertransaksi. Lima bank tersebut antara lain satu BCA, BNI, BRI, Bank Mandiri dan CIMB Niaga,rata-rata pengguna bank konvensional. Tujuan penelitian ini,untuk mengetahui pengaruh pemahaman akad mudharabah dan akad wadiah secara simultan terhadap kepuasan menabung masyarakat di BSI KC Cianjur. Metode yang digunakan dalam penelitian ini adalah penelitian deskriptif asosiatif dengan pendekatan kuantitatif. Penelitian ini menggunakan analisis linear berganda. Hasil penelitian menyatakan bahwa pemahaman akad mudharabah berpengaruh signifikan terhadap keputusan menabung. Pemahaman akad wadiah uji t (parsial) menunjukkan bahwa terdapat pengaruh signifikan antara pemahaman akad wadiah terhadap keputusan menabung. Pengaruh pemahaman akad mudharabah dan akad wadiah secara simultan berpengaruh positif signifikan terhadap keputusan menabung. Adapun nilai R square sebesar 78.0% dengan sisa sebesar 22% dipengaruhi oleh faktor lainnya yang tidak terdapat dalam penelitian ini This research is based on a background of low public interest in Islamic banking, which is not fully interested only on the basis that Islamic banks do not adhere to the element of usury, but their understanding of Islamic banking, especially regarding contracts in Islamic banks, is still not understood by the public, seen from the list of banks that have the most widely used in Indonesia of the 107 banks in Indonesia, there are five banks that are most widely used by the public for transactions. The five banks include BCA,BNI, BRI, Bank Mandiri and CIMB Niaga, the average are conventional bank users. The purpose of this study was to determine the effect of understanding mudharabah and wadiah contracts simultaneously on the satisfaction of saving people at BSI KC Cianjur. The method used in this research is descriptive associative research with a quantitative approach. This study uses multiple linear analysis. The results of the study stated that understanding the mudharabah contract had a significant and significant effect on the decision to save. Understanding of wadiah contract shows that significance effect on the decision to save.. The effect of understanding mudharabah contract and the wadiah contract simultaneously has a significant positive effect on the decision to save. The R square value of 78.0% with a remainder of 22% is influenced by other factors that are not present in this study.