FACTORS INFLUENCING STUDENTS INTEREST IN SAVING IN SHARIA BANK (Case Study of FEBI UIN Raden Mas Said Surakarta Students)

Abstract

We want to learn how understanding financial inclusion, bank reputation, profit sharing, religiousness, and financial literacy affect the desire to establish an account at a sharia bank. Then, we'll see how knowing financial reports affects that desire. This research used a survey technique in conjunction with a quantitative approach. The purposive sample method was used with a total of 183 respondents. The data in this research was analyzed using Structural Equation Modeling (SEM) in SmartPLS 3.0. Student completion rates were shown to be significantly affected by savings interest rates (p < 0.05), according to the data. A significant score of 0.021 <0.05 indicates that students' motivation in saving is also influenced by the bank's reputation. Additionally, students' interest in saving is significantly impacted by outcomes with a religiosity value of 0.000 <0.05 and a significance value of 0.004 <0.05. Students' interest in saving money in Islamic banks is unaffected by financial literacy, as shown by a significance value of 0.130>0.05 and a confidence level of 0.257>0.05.