THE INFLUENCE OF SHARIA FINANCIAL LITERACY CONSUMPTIVE CULTURE AND RELIGIOUSITY ON STUDENTS INTEREST IN SAVING

Sharia financial literacy, consumer culture, and religiosity are factors that can influence students’ interest in saving. This research aims to determine the influence of sharia financial literacy, consumer culture and religiosity on students’ interest in saving in the city of Banda Aceh. This research uses quantitative methods. The population in this study were students receiving the 2023 Bank Indonesia Scholarship in Banda Aceh City with a sample size of 143 respondents by distributing questionnaires via Google Form. The data was analyzed using multiple linear regression using SPSS 25. The results of this study showed that sharia financial literacy had a positive and significant effect on students’ interest in saving, consumer culture had a negative effect on students’ interest in saving, and religiosity had a significant positive effect on student’ interest in saving. However, these three independent variables simultaneously influence the savings interest of students receiving Bank Indonesia Scholarshipsin Banda Aceh City.