PENGARUH SHARIA FINANCIAL LITERACY, ISLAMIC BRANDING, DAN ISLAMIC CORPORATE GOVERNANCE TERHADAP SAVING INTENTION DI PERBANKAN SYARIAH (PADA MASYARAKAT BANDAR LAMPUNG)

LOVI, DEA ANGGRAINI (2025) PENGARUH SHARIA FINANCIAL LITERACY, ISLAMIC BRANDING, DAN ISLAMIC CORPORATE GOVERNANCE TERHADAP SAVING INTENTION DI PERBANKAN SYARIAH (PADA MASYARAKAT BANDAR LAMPUNG). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Perbankan syariah di Indonesia terus berkembang, namun tingkat literasi keuangan syariah masih rendah sehingga pemahaman masyarakat terhadap produk perbankan syariah terbatas dan berdampak pada rendahnya minat menabung. Penelitian ini bertujuan untuk menganalisis pengaruh Sharia Financial Literacy, Islamic Branding, dan Islamic Corporate Governance terhadap Saving Intention di Perbankan Syariah pada masyarakat di Kota Bandar Lampung. Penelitian ini menggunakan metode kuantitatif dengan pendekatan Structural Equation Modeling–Partial Least Square (SEM-PLS) dengan sampel sebanyak 400 responden yang dipilih melalui purposive sampling. Hasil penelitian menunjukkan bahwa Sharia Financial Literacy berpengaruh positif dan signifikan terhadap Saving Intention, Islamic Branding berpengaruh positif dan signifikan terhadap Saving Intention, dan Islamic Corporate Governance berpengaruh positif dan signifikan terhadap Saving Intention. Selain itu, ketiga variabel tersebut secara simultan memengaruhi Saving Intention dengan nilai R-Square sebesar 0,907 yang termasuk kategori sangat kuat. Penelitian ini mendukung Theory of Planned Behavior (Ajzen, 1991) dan menegaskan pentingnya literasi keuangan syariah, branding Islami, dan tata kelola Islami dalam meningkatkan minat menabung di perbankan syariah pada masyarakat di Kota Bandar Lampung. ABSTRAK Islamic banking in Indonesia continues to grow, but the level of sharia financial literacy is still low so that public understanding of Islamic banking products is limited and has an impact on the low saving intention. This study aims to analyze the effect of Sharia Financial Literacy, Islamic Branding, and Islamic Corporate Governance on Saving Intention in Islamic banking among the community in Bandar Lampung City. This research uses a quantitative method with the Structural Equation Modeling–Partial Least Square (SEM-PLS) approach with a sample of 400 respondents selected through purposive sampling. The results of the study show that Sharia Financial Literacy has a positive and significant effect on Saving Intention, Islamic Branding has a positive and significant effect on Saving Intention, and Islamic Corporate Governance has a positive and significant effect on Saving Intention. In addition, these three variables simultaneously affect Saving Intention with an R-Square value of 0.907, which is included in the very strong category. This study supports the Theory of Planned Behavior (Ajzen, 1991) and emphasizes the importance of sharia financial literacy, Islamic branding, and Islamic governance in increasing Saving Intention in Islamic banking among the community in Bandar Lampung City

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