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Analysis Of Factors That Influence the Interest in Saving in Islamic Banks in Muhammadiyah University Students Yogyakarta
Corresponding Author(s) : Dimas Bagus Wiranatakusuma
Proceedings Universitas Muhammadiyah Yogyakarta Undergraduate Conference,
Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Abstract
Islamic banks are currently preferably chosen by public in storing assets or in banking activities over conventional banks. This study aims to reveal students' interest in saving and the factors influence students' interest in saving in Islamic banks. This research uses a qualitative method that involves interviews with students of Universitas Muhammadiyah Yogyakarta who store assets and carry out banking activities at Islamic banks. The findings can be interpreted that students choose banking activities at Islamic banks because of good services the banks provide, namely the easiness to access, available mobile banking, and in accordance with Islamic principles that avoid usury, gharar, maysir, haram and unjust. The factors that influence students to save in Islamic banks are service factors, Islamic factors, and needs factors.
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- Abdallah, Irsyad, M, L. (2014). Analisis Minat Menabung pada Bank Syariah di Kalangan Siswa SMA di Kota Medan. Jurnal Ekonomi dan keuangan, Vol. 3, no.7
- Aminah., Soewito., Erina, N., Khairudin., & Damayanti, T. (2019). Financial performance and market share in indonesia islamic banking: stakeholder theory perspective. Opcion, Año 35, Especial Nº 21
- Fajriana, R. Roni, M., & Syamni, G. (2021). Determinant factors that affect foreign banks profitability: anevidence from Indonesia. Proceedings of the 11th Annual International Conference on Industrial Engineering and Operations Management Singapore, March 7-11, 2021
- Hasibuan, U. Faisal., Wahyuni. R. (2020). Pengaruh Pengetahuan Masyarakat dan Minat Penerapan Nilai Islam Terhadap Keputusan Menggunakan Tabungan Perbankan Syariah (Studi Kasus Masyarakat Kota Langsa). Jurnal Ilmiah Ekonomi Islam, 6(01)
- Maharani, R. Supriyanto, T. Rahmi, N (2021). Faktor faktor yang mempengaruhi mina tmenabung di bank syariah. Jurnal Syarikah P-ISSN 2442-4420 e-ISSN 2528-6935 Vol. 7, No. 2.
- Muhammad, R.., Suluki, A., & Nugraheni, P. (2020). Internal factors and non-performing financing in Indonesian Islamic rural banks. Cogent Business & Management, 7(1)
- Rianto. H., Olivia. H., & Siregar. S. (2019). Islamic family financial managemen. Proceeding International Seminar on Islamic Studie. 1 (1)
- Romdhoni. H.Abdul., Ratnasari. (2018). Pengaruh pengetahuan, kualitas pelayanan, produk, dan religiusitas terhadap minat nasabah untuk menggunakan produk simpanan pada lembaga keuangan mikro syariah. Jurnal Ilmiah Ekonomi Islam, 4(02).
- Setiadi J. Nugroho., Inderadi, R. (2020). Factors influecing consumers’ preference in chossing a petrol station: a case of petronas station at ayer kerih, Malaysaia. PalArch’s Journal of Archaelogy of Egyp. 17 (7)
- Saraswaty, W., Suprapti S. W. N. (2015). Peran sikap dalam memediasi pengaruh kepedulian lingkungan erhadap niat beli produk ramah lingkungan (studi pada produk tupperware). E-Jurnal Manajemen Unud, 4. (8)
- Suhartanto, D., Farhani, H. Nuraeni., Muflih, M., & Setiawan. Loyalty Intention towards Islamic Bank: The Role of Religiosity, Image, and Trus. Int. Journal of Economics and Management 12 (1)
- Umardani. H. Abdul., Efendi S., & Windari. (2022). Analysis of accounting treatment of gold pawn loans at Islamic banks in Padangsidimpuan. International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration.
- Tripuspi torini, F, A. (2019). Pengaruh Religiusitas Terhadap Minat Mahasiswa Politeknik Negri Bandung Untuk Menabung Di Bank Syariah. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah,Vol. 4, No. 2
- Wahyudin., Sumarwan. U., & Hartoyo. (2004) Analisisi faktor-faktor yang mempengaruhi prilaku kopi dan analisis pemetaan beberapa merek kopidan implikasinya pada pemasaran kopi. Jurnal Manajemen & Agribisnis. 1 (1)
References
Abdallah, Irsyad, M, L. (2014). Analisis Minat Menabung pada Bank Syariah di Kalangan Siswa SMA di Kota Medan. Jurnal Ekonomi dan keuangan, Vol. 3, no.7
Aminah., Soewito., Erina, N., Khairudin., & Damayanti, T. (2019). Financial performance and market share in indonesia islamic banking: stakeholder theory perspective. Opcion, Año 35, Especial Nº 21
Fajriana, R. Roni, M., & Syamni, G. (2021). Determinant factors that affect foreign banks profitability: anevidence from Indonesia. Proceedings of the 11th Annual International Conference on Industrial Engineering and Operations Management Singapore, March 7-11, 2021
Hasibuan, U. Faisal., Wahyuni. R. (2020). Pengaruh Pengetahuan Masyarakat dan Minat Penerapan Nilai Islam Terhadap Keputusan Menggunakan Tabungan Perbankan Syariah (Studi Kasus Masyarakat Kota Langsa). Jurnal Ilmiah Ekonomi Islam, 6(01)
Maharani, R. Supriyanto, T. Rahmi, N (2021). Faktor faktor yang mempengaruhi mina tmenabung di bank syariah. Jurnal Syarikah P-ISSN 2442-4420 e-ISSN 2528-6935 Vol. 7, No. 2.
Muhammad, R.., Suluki, A., & Nugraheni, P. (2020). Internal factors and non-performing financing in Indonesian Islamic rural banks. Cogent Business & Management, 7(1)
Rianto. H., Olivia. H., & Siregar. S. (2019). Islamic family financial managemen. Proceeding International Seminar on Islamic Studie. 1 (1)
Romdhoni. H.Abdul., Ratnasari. (2018). Pengaruh pengetahuan, kualitas pelayanan, produk, dan religiusitas terhadap minat nasabah untuk menggunakan produk simpanan pada lembaga keuangan mikro syariah. Jurnal Ilmiah Ekonomi Islam, 4(02).
Setiadi J. Nugroho., Inderadi, R. (2020). Factors influecing consumers’ preference in chossing a petrol station: a case of petronas station at ayer kerih, Malaysaia. PalArch’s Journal of Archaelogy of Egyp. 17 (7)
Saraswaty, W., Suprapti S. W. N. (2015). Peran sikap dalam memediasi pengaruh kepedulian lingkungan erhadap niat beli produk ramah lingkungan (studi pada produk tupperware). E-Jurnal Manajemen Unud, 4. (8)
Suhartanto, D., Farhani, H. Nuraeni., Muflih, M., & Setiawan. Loyalty Intention towards Islamic Bank: The Role of Religiosity, Image, and Trus. Int. Journal of Economics and Management 12 (1)
Umardani. H. Abdul., Efendi S., & Windari. (2022). Analysis of accounting treatment of gold pawn loans at Islamic banks in Padangsidimpuan. International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration.
Tripuspi torini, F, A. (2019). Pengaruh Religiusitas Terhadap Minat Mahasiswa Politeknik Negri Bandung Untuk Menabung Di Bank Syariah. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah,Vol. 4, No. 2
Wahyudin., Sumarwan. U., & Hartoyo. (2004) Analisisi faktor-faktor yang mempengaruhi prilaku kopi dan analisis pemetaan beberapa merek kopidan implikasinya pada pemasaran kopi. Jurnal Manajemen & Agribisnis. 1 (1)