The Influence of Return and Trust on Society Interest in Saving at BMT El Ihsan Bandungbaru

International Journal of Research and Innovation in Social Science (IJRISS) | Volume IV, Issue VIII, August 2020 | ISSN 2454–6186

The Influence of Return and Trust on Society Interest in Saving at BMT El Ihsan Bandungbaru

Yunita Sastrawati, Pargito, Pujiati

Faculty of Teacher Training and Education, University of Lampung, Indonesia

Abstract: This research aims to examine the influence of return rate and trust on society interest in saving at BMT El Ikhsan Bandungbaru. There was a partial influence between return systems on interest in saving at BMT El Ihsan Bandungbaru. Referring to the T-test output, it could be seen that the significance value of the variable X1 to Y was 0.000 < 0.05 and the value of tcount was 7.459 > ttable was 1.663, with the magnitude of the determination coefficient indicating that 0.404 or 40.4% where X1 influence Y by 40.4 %. There was a partial influence between trust on interest in saving at BMT El Ihsan Bandungbaru. Referring to the T-test output, it could be seen that the significance value of the variable X2 to Y was 0.000 < 0.05 and the tcount value was 4.552 > ttable was 1.663, with the magnitude of the determination coefficient indicating that 0.202 or 20.2% where X2 influence Y by 20.2 %. There was a simultaneous influence between return system and trust on the interest in saving at BMT El Ihsan Bandung Baru. Referring to the F-test output, it could be seen that the significance value for the influence of X1 and X2 simultaneously on Y was 0.000 < 0.05 and the Fcount value was 42.351> Ftable 3.96, with the magnitude of R2 indicating that 0.511 or 51.1% where X1 and X2 influence Y by 51.1%. Based on these studies, it was known that the level of return and trust had a positive influence on society interest in saving at BMT El Ihsan Bandung baru.

Keywords : Return, Trust, Interest in Saving, BMT

I. INTRODUCTION

The emergence of sharia-based financial institutions is an interesting phenomenon to observe. An economic system based on the sharia system has become a new trend among the community. The existence of Islamic financial institutions namely Baitul Maal wa-Tamwil (BMT) in recent years has attracted the attention of the public. Likewise what happened in Pringsewu regency. There are 16 (sixteen) BMT institutions carrying out operational activities in the area.
The presence of BMT in the society is a symbol of the strength of a populist economy based on sharia. It cannot be denied that the number of sharia-based financial service institutions has made competition between institutions even tighter. The current high competition is marked by the number of products issued by financial institutions with the aim of meeting customer needs.

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