Analysis of Factors Influencing Students' Interest in Saving at Bank Syariah Indonesia (Case Study on FEB UNISSULA Students)
Keywords:
Bank Reputation, Islamic Financial Literacy, Interest In Saving, Islamic Banking, Social Influence.
Abstract
This research is motivated by the low interest of students in using Bank Syariah Indonesia services despite the continued growth of the Islamic banking industry. The study aims to analyze the influence of Islamic Financial Literacy, Social Influence, and Bank Reputation on students' interest in saving at Bank Syariah Indonesia. The study used a quantitative approach with a survey method. The study population was 573 active undergraduate students of the Accounting Study Program, Faculty of Economics and Business, Sultan Agung Islamic University, with a sample of 85 respondents selected using a purposive sampling technique based on the Slovin formula. Primary data were collected through a five-point Likert scale questionnaire and analyzed using Structural Equation Modeling based on Partial Least Squares with SmartPLS. The results showed that Islamic Financial Literacy and Bank Reputation had a positive and significant effect on interest in saving, while Social Influence had no significant effect. Bank reputation was the variable that had the greatest influence on students' interest in saving. This study concluded that improving Islamic financial literacy and strengthening the reputation of Bank Syariah Indonesia are the main strategies in increasing students' interest in saving at Islamic banks.
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Ajzen, I. (2002). Constructing a TPB questionnaire: Conceptual and methodological considerations. University of Massachusetts Amherst.
Amsari, S., Harahap, I., & Nawawi, Z. M. (2024). Transformasi paradigma pembangunan ekonomi: Membangun masa depan berkelanjutan melalui perspektif ekonomi syariah. Ekonomis: Journal of Economics and Business, 8(1), 729–739. https://doi.org/10.33087/ekonomis.v8i1.1703
Andriani, A., Mulyana, D. F., Altydar, R. Y., Sitoh, & Fajar, M. R. (2024). Analisis perbandingan preferensi nasabah dalam memilih bank syariah dan bank konvensional. Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak, 2(1), 1–8. https://doi.org/10.61132/jieap.v2i1.710
Creswell, J. W., & Creswell, J. D. (2023). Research design: Qualitative, quantitative, and mixed methods approaches (6th ed.). Sage Publications.
Febrianto, H. D. (2023). Analisis faktor-faktor yang mempengaruhi minat mahasiswa menjadi nasabah bank syariah. Journal of Macroeconomics and Social Development, 1(2), 1–22. https://doi.org/10.47134/jmsd.v1i2.85
Ghozali, I. (2021). Structural equation modeling: Metode alternatif dengan partial least squares (PLS) (Edisi ke-5). Badan Penerbit Universitas Diponegoro.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A primer on partial least squares structural equation modeling (PLS-SEM) (3rd ed.). Sage Publications.
Harahap, H. F., & Marliyah. (2024). Pengaruh faktor sosial terhadap minat menggunakan layanan keuangan syariah. Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah (JUPIEKES), 2(1), 262–268. https://doi.org/10.59059/jupiekes.v2i1.936
Hendrawati, S., Lesmana, D., & Saefulloh. (2025). Analisis faktor-faktor yang mempengaruhi keputusan nasabah memilih bank syariah. Jurnal Ekonomi Syariah, 7(1).
Kartia, D., Natalia, S., & Sadham. (2023). Analisis faktor-faktor yang mempengaruhi minat mahasiswa untuk menabung di bank syariah. Jurnal Manajemen, Ekonomi dan Akuntansi (JUMEA), 1(1), 29–39. https://doi.org/10.69820/jumea.v1i1.24
Maimun, M., & Tzahira, D. (2022). Prinsip dasar perbankan syariah. Al-Hiwalah: Journal Syariah Economic Law, 1(2), 125–142. https://doi.org/10.47766/alhiwalah.v1i2.878
Maretha, E. V., Latifah, F. N., & Masruchin, M. (2022). Analisis faktor-faktor yang mempengaruhi kurangnya minat mahasiswa Sidoarjo menjadi nasabah bank syariah. Jurnal Ilmiah Ekonomi Islam, 8(1), 205–214. https://doi.org/10.29040/jiei.v8i1.4579
Muhammad, & Puspita Sari. (2025). Citra dan reputasi bank syariah terhadap loyalitas dan kepercayaan nasabah.
Nurhab, M. I., & Nurhab. (2025). Literasi keuangan syariah sebagai determinan minat menabung mahasiswa pada Bank Syariah Indonesia. Jurnal Manajemen Bisnis dan Organisasi, 4(2), 485–497. https://doi.org/10.64626/jmbo.v4i2.553
Nurlette, M., D. R., & R. (2023). Pengaruh reputasi dan produk bank terhadap keputusan menabung di bank syariah (Studi kasus pada mahasiswa/i Potensi Utama). Management, Accounting, Islamic Banking and Islamic Economic Journal, 1(2), 686–698.
Otoritas Jasa Keuangan. (2025). Kinerja positif perbankan syariah 2024. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Kinerja-Positif-Perbankan-Syariah-2024.aspx
Rusydiana, A. S., & Ali, M. M. (2022). The application of maqasid shariah on banking industry. Maqasid Shariah Review, 1(1). https://doi.org/10.58968/msr.v1i1.261
Sabihah, K., Mutamimah, M., Saputri, P. L., Rusdi, D., Setapa, M., & Abarahan, A. (2025). The role of Islamic corporate governance in reducing sharia bank financing risk in Indonesia. Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business), 11(1). https://doi.org/10.20473/jebis.v11i1.64146
Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill-building approach (7th ed.). John Wiley & Sons.
Sekaran, U., & Bougie, R. (2020). Research methods for business: A skill-building approach (8th ed.). John Wiley & Sons.
Sugiyono. (2021). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Sugiyono. (2023). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Srisusilawati, P., Devi, S., & Yulita Silviany, I. (2025). Pengaruh reputasi bank dan kualitas pelayanan terhadap loyalitas nasabah Bank Syariah Indonesia.
Toha, R. M., Zahira, G., Putri, A., Faisal, M., & Aristy, A. A. (2024). Faktor-faktor yang mempengaruhi minat mahasiswa ekonomi syariah Fakultas Ekonomi dan Bisnis menjadi calon nasabah Bank Syariah Indonesia. EKOSIANA: Jurnal Ekonomi Syari'ah, 11(1), 19–31. https://doi.org/10.47077/ekosiana.v6i2
Wahyundaru, S. D., Putra, W., Wibowo, M., Ivada, E., Nurastuti, P., Sasongko, C. D., Choiri, M. M., & Yuzariah, D. (2024). Linking the role of e-commerce and financial literacy on MSMEs' sustainability performance during the digital era. International Journal of Data and Network Science, 8, 2651–2662. https://doi.org/10.5267/j.ijdns.2024.4.013
Published
2026-09-13
How to Cite
Anisa Rizkiyani, & Sri Dewi Wahyundaru. (2026). Analysis of Factors Influencing Students’ Interest in Saving at Bank Syariah Indonesia (Case Study on FEB UNISSULA Students). International Journal of Economics, Business and Innovation Research, 5(05), 3961-3993. https://doi.org/10.63922/ijebir.v5i05.5465
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