The Influence of People's Knowledge on Their Interest in Saving in Islamic Banks

Abstract

This study discusses in depth the importance of the influence of people’s knowledge on their interest in saving in Islamic banks, because the knowledge about the interest in making transactions in Islamic banking includes the information about products, services, mechanisms and activities of Islamic banks influencing people's interest in saving in Islamic banks. The type of the study is field research with a quantitative descriptive approach, this study applies a survey method in which the primary data is carefully collected through questionnaires. The sample of the study consists of 200 respondents, namely the people in Bengkalis Regency, Riau, Indonesia. The data analysis technique of the study is simple linear regression analysis with data processing performed by SPSS software Version 22. The hypothesis testing is through the partial analysis (t-test) and the coefficient of determination test (R2). The main findings of the study show that there is a significant influence between knowledge and interest in saving at Islamic banks. This is proven by the t-count value of the knowledge variable (X) of 12.239 and the t-table value of 1.972, so it is known that: t-count > t-table (12.239 > 1.972) with a significance level of 0.000 < 0.05. Furthermore, the Coefficient of Determination (R2) value is 0.431. It means that 43.1% of the variable of people's interest in saving in Islamic banks is influenced by the knowledge variable, while the remaining 56.9% is influenced by other variables not examined in this study. For further study, it is suggested to examine other variables such as religiosity, excellent service and attitude.