ANALISIS PENGARUH RELIGIUSITAS,KELOMPOK REFERENSI DAN MOTIVASITERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH (Studi Pada Nasabah Bank Syariah di Kota Banjarmasin)

Wahyu Utami, Marijati Sangen, Muhammad Yudy Rachman

Abstract


This  study  has  the  objective  to  determine  the  effect  of  religiosity,  reference groups  and  the  motivation  factors  to  the  decision  to  save  in  Islamic  banks. Location of the research conducted in the city, Banjarmasin. With population all of Banjarmasin’s Islamic bank individual customers, using purposive sampling methods  with  100  numbers  of  respondents  in  finishing  the  survey.  Results  of hypothesis testing with multiple linear regressionat the 95% confidence level, indicates that religiosity, reference groups, and the motivation factors, either partially or simultaneously influence the decision to saving in Islamic banks. Partially, religiosity factor is the most dominant factor in influencing people to take decisions to saving in Islamic banks. Therefore, to increasing the amount of savings customers, Islamic banks should go through a religious approach. Increased socialization of the importance of Sharia principles in everyday life, products  and  excellence  of  Islamic  banks  need  to  be  done  through  religious activities  such  as  teaching,  tadarus,  boarding  lightning,  lectures  at  Friday prayers and Taraweeh, and other religious activities. 

Keyword : Religiosity, Reference Groups, Motivation, Islamic bank


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DOI: http://dx.doi.org/10.20527/jwm.v3i1.14

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Jurnal Wawasan Manajemen by Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Lambung Mangkurat is licensed under a Creative Commons Attribution 4.0 International License. Based on a work at jwm.ulm.ac.id.