Determinasi Minat Menabung Masyarakat Pada Bank Syariah Indonesia: Peran Pengetahuan, Religiusitas, Lingkungan Sosial, dan Self-Efficacy

The aim of this research was to determine the influence of knowledge, religiosity, social environment, and self-efficacy on the savings interest of the Renah Pembarap sub-district community at Bank Syariah Indonesia. The method used in this study was quantitative. The researchers recruited 210 respondents from the Renah Pembarap sub-district community, using a Likert-scale questionnaire. The results of this study indicate that the knowledge variable (X1) has a positive influence on savings interest (Y). This is evidenced by the results of the direct effect test, which showed a coefficient value of 0.245 with a T-statistic of 3.842 (>1.96), and a P-value of 0.000 (<0.05). Therefore, it can be concluded that Ha1 is accepted and Ho1 is rejected. The Religiosity variable (X2) has a positive influence on the interest in saving (Y) this is evidenced by the results of the direct effect test showing that the coefficient value is 0.425 with a T statistic of 5.754 (> 1.96), and a P value of 0.000 (<0.05), so it can be concluded that Ha2 is accepted and Ho2 is rejected. The Social Environment variable (X3) has no influence on the interest in saving (Y) this is evidenced by the results of the direct effect test showing that the coefficient value is 0.093 with a T statistic of 1.446 < 1.96 and a P value of 0.148> 0.05. So it can be concluded that Ha3 is rejected and Ho3 is accepted. The Self Efficacy variable (X4) has no influence on the interest in saving (Y) this is evidenced by the results of the direct effect test showing that the coefficient value is -0.024 with a T statistic of 0.350 < 1.96 and a P value of 0.726> 0.05. So it can be concluded that Ha3 is rejected and Ho3 is accepted. The influence of these 4 variables is only 40.8% and the remaining 59.2% is influenced by other variables outside this research.