The Effect of Knowledge of Islamic Banking, Religiosity, Social Environment, and Pocket Money on Students’ Interest in Saving at Islamic Banks

Abstract

This study aims to analyze the effect of knowledge of Islamic banking, religiosity, social environment, and pocket money on students’ interest in saving at Islamic banks. The study uses primary data collected from 133 respondents of STIE Bank BPD Central Java, selected using purposive and snowball sampling techniques. Data were analyzed using SPSS with multiple linear regression analysis. The results show that knowledge of Islamic banking, religiosity, and social environment have a significant positive effect on students’ interest in saving at Islamic banks. Meanwhile, pocket money does not have a significant effect on saving interest. Overall, the model explains 79.1% of the variation in saving interest, indicating that the included variables provide a strong explanation of students’ intention to save in Islamic banks.