MINAT MENABUNG KALANGAN MILENIAL PADA BANK SYARIAH: PERAN LITERASI KEUANGAN, KEPERCAYAAN SERTA DIMODERASI OLEH HALAL LIFESTYLE

ROIHAN HABIBI; AIDIL NOVIA; HULWATI HULWATI

doi:10.15548/maqdis.v9i1.1113

MINAT MENABUNG KALANGAN MILENIAL PADA BANK SYARIAH: PERAN LITERASI KEUANGAN, KEPERCAYAAN SERTA DIMODERASI OLEH HALAL LIFESTYLE

ROIHAN HABIBI, AIDIL NOVIA, HULWATI HULWATI

Abstract

This study aims to estimate the influence of financial literacy and trust on the saving intention of millennials in Padang City, both directly and through the moderating role of halal lifestyle. Through a survey of 384 respondents in the millennial community in Padang City, this study uses Partial Least Square (PLS) SEM as an analytical tool. The results show that both financial literacy and trust have a direct and significant effect on saving intention. But halal lifestyle significantly strengthens the influence of financial literacy on saving intentions among millennials in Padang City. Conversely, a halal lifestyle weakens the influence of trust on saving intentions among millennials in Padang City.

Keywords

financial literasi, trust,halal lifestyle,intention to save

Full Text:

PDF (Bahasa Indonesia)

References

Achmad Zainul Rozikin. (2020). Islamic Financial Literacy, Promotion, and Brand Image Towards Saving Intention in Sharia Bank. 13(1), 95–106.

Altunel, C., M., & Koçak, Ö. E. (2017). The roles of subjective vitality, involvement, experience quality, and satisfaction in tourists’ behavioral intentions,. J. Tour. Res, 16, 233–251.

Amstrong, K. P. (2009). Prinsip – Prinsip Pemasaran. Jilid 1. Edisi Kedelapan. Erlangga: Jakarta. (8 ed.). Jakarta.

Andespa, R. (2017a). Factors Affecting Customers’ Interest in Saving at Islamic Banks. Al Masraf: Jurnal Lembaga Keuangan dan Perbankan-Volume 2, Nomor 1, Januari-Juni 2017, 2(1), 42–57.

Andespa, R. (2017b). Pengaruh Budaya Dan Keluarga Terhadap Minat Menabung Nasabah Di Bank Syariah. Jurnal Kajian Ekonomi Islam, 2(1), 35–49.

Ariyan, H. (2013). Pengaruh Brand Awareness dan Kepercayaan Konsumen Atas Merek terhadap Keputusan Pembelian Ulang Minuman Aqua di Kota Padang. 1–11.

Aziz, N., & Hendrastyo, V. S. (2019). Pengaruh Kualitas Layanan , Kepercayaan Dan Promosi Terhadap Minat Nasabah Menabung Pada Bank Syariah Cabang Ulak Karang Kota Padang. Jurnal Pundi, 03(Perbankan Syariah), 227–234. https://doi.org/10.31575/jp.v3i3.183

Bahatma, B. (2021). “Halal Life Style sebagai Dakwah Determinasi Diri dan Sosial Masyarakat Indonesia.” Al-hikmah: Jurnal Ilmu Dakwah dan Pengembangan Masyarakat, 19(1), 1–12. https://doi.org/https://doi.org/10.35719/alhikmah.v19i01.41.

Bananuka, J., Kaawaase, T. K., Kasera, M., & Nalukenge, I. (2019). Determinants of the intention to adopt Islamic banking in a non-Islamic developing country: The case of Uganda. ISRA Int. J. Islam. Financ, 11(2), 166–186. https://doi.org/doi: 10.1108/IJIF-04- 2018-0040.

Chaouali, W., Yahia, I. Ben, & Souiden, I. (2016). The interplay of counter-conformity motivation, social influence, and trust in customers’ intention to adopt Internet banking services: The case of an emerging country,. Journal of Retailing and Consumer Services, 28, 209–218. https://doi.org/https://doi.org/10.1016/j.jretconser.2015.10.007.

Chin, W. W. (2010). How to write up and report PLS analyses. In V.E. Vinzi, W.W. Chin, J. Henseler & H. Wang (Eds). Handbook of Partial least squares. Springer.

Efendi, Riza dan Farida, I. (2014). Pengaruh Motivasi, Persepsi, dan Kepercayaan terhadap Keputusan Pembelian Sepeda Motor Yamaha Mio di Semarang. 1–12.

Elseidi, R. I. (2018). Determinants of halal purchasing intentions: evidences from UK. Journal of slamic Marketing, 9(1), 167–190. https://doi.org/https://doi.org/10.1108/JIMA-02-2016-0013

Fani, D. E. H. (2020). The Influence of the Halal Lifestyle Trend on the Interest in Saving of Students of the Faculty of Economics and Islamic Business, Mataram State Islamic University in Sharia Banks. Universitas Islam Negeri (UIN) Mataram.

Fauzi, A., & Murniawaty, I. (2020). The Influence of Student Islamic Religiosity and Literacy on Interest in Becoming a Customer in Islamic Banks. economic Education Analisis Journal., 9(2), 473–486.

Hair, F., J., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203

Hair, J. F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. G. (2014). Partial least squares structural equation modeling ( PLS-SEM ): An emerging tool in business research An emerging tool in business research. European Business Review, 26(2), 106–121. https://doi.org/10.1108/EBR-10-2013-0128

Haiyang Chen, R. V. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/https://www.sciencedirect.com/science/article/abs/pii/S1057081099800067?via%3Dihub

Harisya, S. M. (2021). The Effect Of Knowledge And Finance Confidence In The Interest In Saving Society In Sharia Bank With Halal Lifestyle As A Moderating Variable. Salatiga State Institute Of Islamic Religion.

Haryono, R. (2022). Pengaruh Pengetahuan , Religiusitas dan Kepercayaan Terhadap Minat Menabung. I, 133–156.

I, M., & Sanusi, S. (2019). The Effect of religiosity and financial literacy on intention to use Islamic banking products. Asian Journal of Islamic Management, 1(2), 85–92. https://doi.org/. https://doi.org/10.20885/ajim.vol1.iss2.art2

Jailani, N., & Adinugraha, H. H. (2022). The Effect of Halal Lifestyle on Economic Growth in Indonesia. 6(1), 44–53. https://doi.org/10.18196/jerss.v6i1.13617

Kardoyo, Nurkhin, A., Muhsin, Mukhibad, H., & Aprilia, F. D. (2020). The Effect of Knowledge , Promotion , and Religiosity on Intention to Use Islamic Banking Services. 11(2), 128–135. https://doi.org/10.5430/ijfr.v11n2p128

Kotler, P. (2013). Manajemen Pemasaran. (2 ed.). Erlangga.

Kristiyadi, & Hartiyah, S. (2016). Pengaruh Kelompok Acuan , Religiusitas , Promosi Dan Pengetahuan Tentang Lembaga Keuangan Syariah Terhadap Minat Menabung Di Koperasi Syariah (Studi Kasus Pada Bmt Tamzis Wonosobo). 5(9), 44–63.

Kusmiadi, B. A. dan R. (2020). Campaigning Halal Lifesty for Students. Jurnal Pengabdian Kepada Masyarakat, 4(2), 1–7. https://journal.ubb.ac.id

Lucas, D. B., & Britt, S. H. (1950). Advertising psychology and research: An introductory book. McGraw-Hill Book Company. https://doi.org/https://doi.org/10.1037/13239-000

Malyavitha, S., & Mochlasin, H. (2022). The moderating role of halal lifestyle in the relationship between financial knowledge and trust in people’s interest in saving in Islamic banks. 1(1), 32–44.

Nengsih, M. M. H., & Anisah. (2021). Keywords: Promotion, people’s interest, knowledge, and trust. 5(2), 28–39.

Nugraheni, & Widyani, F. N. (2020). Brand familiarity vs profit-sharing rate: which has a stronger impact on Muslim customers’ intention to invest in an Islamic bank? Journal of Islamic Marketing, 13(8), 1446-1460. https://doi.org/doi: 10.1108/JIMA-11- 2019-0233.

Nurrohmah, R. F., & Purbayati, R. (2020). Pengaruh Tingkat Literasi Keuangan Syariah Dan Kepercayaan Masyarakat Terhadap Minat Menabung Di Bank Syariah. Jurnal Maps (Manajemen Perbankan Syariah), 3, 140–153.

Nurrohmah Fadhilah, Purbayati, R., & Radia. (2020). Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat terhadap Minat Menabung di Bank Syariah. Jurnal Maps (Manajemen Perbankan Syariah), 3(2), 140–153. https://doi.org/10.32627/maps.v3i2.135

Peter, J Paul, & Olson, J. C. (2013). Perilaku Konsumen Dan Strategi Pemasaran (9 ed.). Salemba Empat. http://www.library.usd.ac.id/web/index.php?pilih=search&p=1&q=0000132870&go=Detail

Rachim, H. A., & Santoso, M. B. (2021). Mainstreaming The Halal Lifestyle: Between Opportunities And Challenges Of Social Protection Capacity In Global Trends. Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 6(2), 151–161.

Ramsay, A. C. and. (2011). What Causes Suboptimal Financial Behaviour? An Exploration of Financial Literacy, Social Influences and Behaviour Economics. (540; Nomor 18). https://doi.org/Melbourne

Robbins, S. P., & Judge, T. A. (2015). Perilaku Organisasi (16 ed.). Salemba Empat.

Rozikin AZ, & I., S. (2020). Islamic financial literacy, promotion and brand image towards saving intention in sharia bank. Iqtishadia, 13(1), 95–106. https://doi.org/http://dx.doi.org/10.21043v13i1.6489

Setyobudi, W. T., Wiryono, S. K., Nasution, R. A., & Purwanegara, M. S. (2016). The efficacy of the model of goal directed behavior in explaining Islamic bank saving. Journal of Islamic Marketing, 7(4), 405–422. https://doi.org/doi: 10.1108/JIMA-12-2014-0080.

Setyowati, D. H, Sartika, A., & Setiawan, S. (2019). Faktor-Faktor yang Mempengaruhi Pangsa Pasar Industri Keuangan Syariah Non-Bank. Jurnal Iqtisaduna, 5(2), 169-186.

Suhartanto, D, Farhani, N. H., Muflih, M., D. (2018). Loyalty intention towards Islamic Bank: The role of religiosity, image, and trust. International Journal of Economics and Management, 12, 137–151.

Sumaedi, S., Juniarti, R. P., & Bakti, I. G. M. Y. (2015). Understanding trust & commitment of individual saving customers in Islamic banking: The role of ego involvement. Journal of Islamic Marketing, 6(3), 406–428. https://doi.org/doi: 10.1108/JIMA-06-2013-0045.

Titin Agustin Nengsih, M. M. H. (2021). Analisis Minat Menabung Masyarakatdi Bank Syariah IndonesiaStudi Empiris Desa Pelawan Jaya. Al-Mashrafiyah, 5(Ekonomi, Keuangan dan Perbankan Syariah), 28–39.

Velayati, M. F. (2021). Pengaruh Pengetahuan, Promosi, Kepercayaan, Religiusitas Dan Pendapatan Masyarakat Di Masa Pandemi Terhadap Minat Menabung Di Bank Syariah Dengan Brand Awareness Sebagai Variabel Moderating. Institut Agama Islam Negeri Salatiga.

Wang, Y., Wiegerinck, V., Krikke, & Harold. (2013). Understanding the purchase intention towards remanufactured product in closed-loop supply chains An empirical study in China. International Journal of Physical Distribution & Logistics Management, 43(10), 866–888. https://doi.org/10.1108/IJPDLM-01-2013-0011

Wibowo, H. A. (2017). The Effects of Indonesia Female Religiosity on Hijab-Wearing Behavior: An Extended of Theory of Reasoned Action. Int. Rev. Manag. Bus. Res, 6(3), 1040–1050. https://doi.org/doi: 10.17605/osf.io/r4gjc.

Yuniningsih, Santoso, B., Sari, I. M., & Firdausy, A. (2022). Financial Literacy and Motivation to Stimulate Saving Behavior Intention in form of Bank Customer Deposits. 5(11), 3334–3340. https://doi.org/10.47191/jefms/v5-i11-19

Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. VI(1), 11–26.

Yusli, M. S. dan M. (2021). Pengaruh Literasi Keuangan , Digital Marketing , Brand Image Dan Word Of Mouth Terhadap Minat Generasi Z Pada Bank Syariah. 262–276. http://eprint.stieww.ac.id/id/eprint/1760

Yusof, Y. L., Jusoh, M., Wan, W. J., & Maulan, S. (2020). Perceived quality association as determinant to re_patronise Shariah-compliant brand restaurants. Journal of Islamic Marketing, 12(2), 302–315. https://doi.org/doi: 10.1108/JIMA-10-2018- 0190.