Pengaruh Persepsi Bunga, Religiusitas dan Prinsip Syariah Terhadap Minat Menabung di Koperasi Simpan Pinjam dan Pembiayaan Syariah Karanganyar (Studi Pada KSPPS Bina Insan Mandiri Gondangrejo Karanganyar)

Abstract

This study aims to examine the effect of perceptions of interest, religiosity and sharia principles on interest in saving in savings and loan cooperatives and sharia financing in Karanganyar (study on KSPPS Bina Insan Mandiri Gondangrejo Karanganyar. Sampling was carried out by non-probability sampling method, namely accidental sampling. The sample used was in this study as many as 100 respondents. The dependent variable (Y) in this study is interest in saving. While the independent variable (X) in this study includes perception of interest (X1), religiosity (X2) and sharia principles (X3). Methods of data analysis in this study This study uses multiple linear regression analysis.The results of this study partially show that the perception of interest (0.639> 0.05) has no significant effect on interest in saving, while religiosity (0.004 <0.05) and sharia principles (0.013 <0.05) has a significant effect on interest in saving.The coefficient of determination (R2) in the study this is 0.141. This shows that the variable of interest in saving can be explained by the variable perception of interest, religiosity and sharia principles of 14.1%.