THE EFFECT OF RELIGIOSITY ON INTEREST IN SAVING IN ISLAMIC BANKS

Muhammad Azhar Nasution

Abstract


The development of the times has had a major influence on economic and business development, one of
these variations is in the banking sector, namely Islamic banking. Islamic banks are banks that carry out
achievement activities based on sharia principles. This is an interesting breakthrough where banks use
Sharia principles in carrying out their activities, this is different from the principles of conventional banks
in general. The purpose of this study was to determine the effect of religious level on the interest in saving
STKIP Padang Lawas students in Islamic banks. This study uses a quantitative research method with an
associative approach. The data collection method is by distributing questionnaires and literature studies.
The number of samples studied was 123. The data analysis method used is the validity and reliability test,
the simple linear regression analysis test, hypothesis testing through t-test, coefficient of determination
test. The results of this study indicate that religiosity (X1) has a positive and significant effect on learning
interest. This is evidenced by the t-count value of the religiosity variable (X) of 7.765 and the t-table value
of 1.979, It can be seen that: t-count > t-table (7.765 > 1.976) with a significance level of 0.000 less than 0.05
(0.000 <0.05). Furthermore, the coefficient of determination (R Square) is 0.583. This means that the effect
of the independent variable (religiosity) on the dependent variable (savings interest) is 58.3%, while the
remaining 41.7% is influenced by other variables not included in this study.

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