PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS DAN KUALITAS LAYANAN TERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH DENGAN KEPERCAYAAN SEBAGAI VARIABEL INTERVENING DI PROVINSI JAMBI

Angraini, Novita (2024) PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS DAN KUALITAS LAYANAN TERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH DENGAN KEPERCAYAAN SEBAGAI VARIABEL INTERVENING DI PROVINSI JAMBI. S2 thesis, UNIVERSITAS JAMBI.

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Abstract

Penelitian ini bertujuan untuk menguji dan menaganalisis pengaruh literasi keuangan Syariah, religiusitas dan kualitas layanan teradapa keputusan menabung di Bank Syariah dengan kepercayaan sebagai variabel intervening di Provinsi Jambi. Penelitian ini memiliki jumlah sampel sebanyak 115 responden yang mewakili dari setiap kabupaten/kota di Provinsi Jambi dengan teknik proportional nonrandom sampling. Jenis data yang digunakan merupakan data primer yang didapat dari penyebaran kuesioner. Metode analisis penelitian ini menggunakan Structural Equation Modeling Partial Least Squares (SEM-PLS) dan teknik pengolahan data menggunakan teknik analisa statistik deskriptif dan anailis Partial Least Square (PLS) dengan bantuan software SmartPLS 4.1.0.2. Hasil penelitian ini menunjukkan bahwa, literasi keuangan Syariah, religiusitas dan kualitas layanan berpengaruh positif dan signifikan terhadap kepercayaan nasabah bank Syariah di Provinsi Jambi. Literasi keuangan Syariah dan kualitas layanan berpengaruh positif dan signifikan terhadap keputusan nasabah menabung di bank Syariah di Provinsi Jambi. Sedangkan religiusitas tidak berpengaruh terhadap keputusan menabung di bank Syariah di Provinsi Jambi. Kepercayaan berpengaruh positif dan signifikan terhadap keputusan menabung di Bank Syariah pada masyarakat Provinsi Jambi. Kepercayaan mampu memediasi pengaruh variabel literasi keuangan Syariah, religiusitas dan kualitas layanan terhadap keputusan menabung di Bank Syariah di provinsi Jambi. Kata Kunci : Literasi Keuangan Syariah, Religiusitas, Kualitas Layanan, Kepercayaan, Keputusan Menabung This study aims to examine and analyze the influence of Sharia financial literacy, religiosity and service quality on saving decisions in Islamic Banks with trust as an intervening variable in Jambi Province. This study has a sample size of 115 respondents representing each district/city in Jambi Province with proportional nonrandom sampling technique. The data used were primary data obtained from distributing questionnaires. The research analysis method used Structural Equation Modeling Partial Least Squares (SEM-PLS) and data processing techniques using descriptive statistical analysis techniques and Partial Least Square (PLS) analysis with the help of SmartPLS 4.1.0.2 software. The results of this study indicate that, Sharia financial literacy, religiosity and service quality have a positive and significant effect on customer trust in Islamic banks in Jambi Province. Sharia financial literacy and service quality have a positive and significant effect on customer decisions to save at Islamic banks in Jambi Province. However, religiosity has no effect on saving decisions at Islamic banks in Jambi province. Trust has a positive and significant effect on saving decisions at Islamic banks in Jambi Province. Trust is able to mediate the influence of Sharia financial literacy, religiosity and service quality variables on saving decisions in Islamic Banks in Jambi province. Keywords: Sharia Financial Literacy, Religiosity, Service Quality, Trust, Saving Decisions

Type: Thesis (S2)
Uncontrolled Keywords: Literasi Keuangan Syariah, Religiusitas, Kualitas Layanan, Kepercayaan, Keputusan Menabung
Subjects: L Education > L Education (General)
Depositing User: Novita Angraini
Date Deposited: 14 Jun 2024 02:27
Last Modified: 14 Jun 2024 02:27
URI: https://repository.unja.ac.id/id/eprint/65341

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