JAKBS
Vol. 3 No. 4 (2026): Januari - Maret

Pengaruh Religiusitas Dan Literasi Keuangan Syariah Terhadap Minat Menabung Di Bank Syariah (Studi Kasus Pada Mahasiswa FEB Universitas Dharma Andalas)

Ramadhan, Farendiva Ananta (Unknown)
Sovita, Ingra (Unknown)



Article Info

Publish Date
15 Mar 2026

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.

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Journal Info

Abbrev

jakbs

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal Akuntansi Keuangan dan Bisnis (JAKBS), with registered number ISSN 2987-9078 (Online) is a multidisciplinary scientific journal published by CV. ITTC INDONESIA. JAKB provides a specialized forum for the publication of research in the area of financial economics and the theory of the firm, ...