Analysis of Muslim Students' Decisions in Choosing Conventional Bank Savings

Abstract

The background of this research is that students of UIN SYAHADA Padangsidimpuan Islamic Banking Study Program still use conventional bank savings products. The formulation of the problem in this study is whether there is a simultaneous influence of family, location, and knowledge on the decisions of Islamic Banking Study Program students to use Conventional Banks. The purpose of this study was to determine whether there was a simultaneous influence of family, location, and knowledge on the decision of Islamic Banking Study Program students to use Conventional Banks. The discussion in this research relates to saving decisions, family, location, and knowledge. In this regard, the approach taken is theories related to saving decisions, family, location, and knowledge. The type of research used is quantitative research. The sample used in this study was 78 respondents. The sampling technique uses the purposive sampling technique. Data collection used is a questionnaire technique (questionnaire) and documentation. Data analysis used is validity test, reliability test, descriptive statistical test, normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, coefficient of determination test (R ² ), partial significance test (t) and simultaneous test (F), multiple linear regression analysis using SPSS version 26. The results showed that partially (t-test) the family and location variables affected the decision to save at conventional banks, but the knowledge variable did not affect the decision to save at conventional banks. The results (F test) of family, location, and knowledge simultaneously influence the decision to save in conventional bank savings. Family factors, location, and knowledge of the dependent variable or the decision to save at a conventional bank is 19.5%, while 80.5% is influenced and explained by other variables not included in this study.