Diterminasi keputusan Santri Pada Ponpres Edi Mancoro Kabupaten Semarang untuk Menabung di Bank Syariah

Abstract

ABSTRAK

Pondok pesantren adalah sebuah wadah yang mengumpulkan santri dalam satu tempat untuk menuntut ilmu. Pesantren dalam dunia pendidikan merupakan lembaga non formal berbasis Islam. Penulis menemukan pondok pesantren yang tepat untuk dikaji lebih mendalah tentang keputusan santri menabung di bank syriah yaitu Pesantren Edi Mancoro Kabupaten Semarang. Penulis melihat ketidak relefanan antara backgroun pendidikan mereka dengan realita kehidupan. Dimana, masih terdapat santri yang menggunakan bank non syariah. Dengan demikian, penulis bertujuan mengupas masalah tersebut melalui pengetahuan santri tentang bank syariah dan fasilitasnya, religiusitas, motif rasional, dan minat menabung santri. Sehingga penulis dapat mengetahui seberapa jauh pengaruh santri menabung di bank syariah. Sampal penelitian ini merupakan santri yang tinggal di pesantren tersebut. Santri yang menetap dan tinggal di pesantren memiliki jumlah 350 santri. Sedangkan penulis mengambil sampel sejumlah 103 santri melalui metode purposive sampling. Penulis mengolah data dengan menggunakan SPSS 16.0. Selanjutnya, penulis melakukan analis melalui uji validitas, uji reliabilitas, uji statistik, uji asumsi klasik dan uji analisis jalur (path analysis). Hasil penelitian memperlihatkan bahwa indikator fasilitas, religiusitas dan motif rasional berpengaruh positif dan signifikan terhadap minat menabung dan keputusan menabung santri di bank syriah, sedangkan variabel fasilitas tidak berpengaruh terhadap minat menabung santri di bank syriah. Pengetahuan, fasilitas, religiusitas dan motif rasional mampu memediasi terhadap keputusan santri menabung di bank syariah.

ABSTRACT

Islamic boarding school is a forum that collects students in one place to study. Islamic boarding schools in education are non-formal Islamic-based institutions. The author found the right Islamic boarding school to be studied in more detail about the decision of the santri to save at a syriah bank, namely the Edi Mancoro Islamic Boarding School, Semarang Regency. The author sees the ineffectiveness between their educational background and the realities of life. Where, there are still students who use non-Islamic banks. Thus, the author aims to examine these problems through the knowledge of students about Islamic banks and their facilities, religiosity, rational motives, and students' interest in saving. So that the author can find out how far the influence of santri saving in Islamic banks. The sample of this research is the students who live in the pesantren. Santri who live and live in the pesantren have a total of 350 students. While the authors took a sample of 103 students through purposive sampling method. The author processed the data using SPSS 16.0. Furthermore, the authors conducted the analysis through validity tests, reliability tests, statistical tests, classical assumption tests and path analysis tests. The results showed that the facility indicators, religiosity and rational motive had a positive and significant effect on the interest in saving and the decision to save by students at syriah banks, while the facilities variable had no effect on the interest in saving for students at syriah banks. Knowledge, facilities, religiosity and rational motives are able to mediate the decision of students to save in Islamic banks.