PENGARUH PENDAPATAN DAN SUKU BUNGA KONVENSIONAL PADA PERILAKU MENABUNG NASABAH BANK SYARIAH DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI

Aglis Andhita Hatmawan

Abstract


Penelitian ini bertujuan menganalisis faktor pendapatan, suku bunga bank konvensional dan religiusitas sebagai variabel moderasi pada perilaku menabung di Bank Syariah Madiun. Sedangkan tujuan jangka panjang dari penelitian ini adalah untuk mengembangkan teori dan model penelitian yang dapat menjelaskan faktor penentu perilaku menabung di bank syariah Madiun. Target khusus dalam penelitian ini adalah 1) mengembangkan model penentu tabungan di bank syariah, 2) memberikan bukti empiris faktor penentu perilaku tabungan di bank syariah yaitu pendapatan, sukubunga bank konvensional dan religiusitas nasabah sebagai variable moderasi. Metode yang digunakan dalam penelitian ini adalah kausal (causal research) Sifat penelitian ini penelitian survei bersifat Cross Sectional Populasi penelitian ini terdiri dari pemiliki rekening tabungan mudharobah bank umum syariah di wilayah Madiun. Penentuan sampel dilakukan dengan teknik Insidental Sampling. Hasil dari penelitian ini adalah bahwa pendapatan dan suku bunga bank konvensional berpengaruh positif dan signifikan terhadap perilaku menabung dibank syariah dan religiusitas memperkuat pendapatan pada perilaku menabung di bank syariah.

Keywords


Religiusitas; Pendapatan; Sukubunga; Perilaku Menabung

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