PENGARUH LINGKUNGAN KELUARGA, DISPOSABLE INCOME, DAN PROMOSI TERHADAP MINAT MENABUNG DI BANK SYARIAH DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI

THE INFLUENCE OF FAMILY ENVIRONMENT, DISPOSABLE INCOME, AND PROMOTIONS ON INTEREST IN SAVING IN SHARIA BANK WITH RELIGIUS AS A MODERATION VARIABLE

Penelitian ini bertujuan untuk mengetahui pengaruh lingkungan keluarga, disposable income, dan promosi terhadap minat menabung di bank syariah dengan religiusitas sebagai variabel moderasi. Jenis penelitian ini adalah penelitian kuantitatif dengan subyek penelitian yaitu mahasiswa program studi Ekonomi Islam perguruan tinggi negeri di Surabaya. Teknik pengambilan sampel menggunakan simple random sampling. Teknik pengumpulan data yang digunakan yaitu kuesioner. Teknik analisis data menggunakan analisis regresi linier berganda dan Moderated Regression Analysis (MRA) dengan software SPSS 25. Hasil penelitian menunjukkan (1) lingkungan keluarga berpengaruh terhadap minat menabung di bank syariah; (2) disposable income tidak berpengaruh terhadap minat menabung di bank syariah; (3) promosi berpengaruh terhadap minat menabung di bank syariah; (4) religiusitas tidak memperkuat pengaruh lingkungan keluarga terhadap minat menabung di bank syariah; (5) religiusitas tidak memperkuat pengaruh disposable income terhadap minat menabung di bank syariah; (6) religiusitas tidak memperkuat pengaruh promosi terhadap minat menabung di bank syariah.

Kata kunci : lingkungan keluarga, disposable income, promosi, minat menabung, bank syariah, religiusitas.

This study aims to determine the effect of family environment, disposable income, and promotion on interest in saving at Islamic banks with religiosity as a moderating variable. This type of research is quantitative research with the research subjects being students of the Islamic Economics study programme at state universities in Surabaya. The sampling technique used simple random sampling. The data collection technique used was a questionnaire. The data analysis technique used multiple linear regression analysis and Moderated Regression Analysis (MRA) with SPSS 25 software. The results showed (1) family environment has an effect on interest in saving at Islamic banks; (2) disposable income has no effect on interest in saving at Islamic banks; (3) promotion has an effect on interest in saving at Islamic banks; (4) religiosity does not strengthen the effect of family environment on interest in saving at Islamic banks; (5) religiosity does not strengthen the effect of disposable income on interest in saving at Islamic banks; (6) religiosity does not strengthen the effect of promotion on interest in saving at Islamic banks.

Key words: family environment, disposable income, promotion, interest in saving, Islamic banking, religiosity