Factors That Affect Savings In Islamic Banking

Putri Cahya Rosyadah*  -  Universitas Airlangga, Indonesia
Nur Rachmat Arifin  -  Universitas Airlangga, Indonesia
Ridan Muhtadi  -  STAI Miftahul Ulum Pamekasan, Indonesia
Mohamad Safik  -  STAI Miftahul Ulum Pamekasan, Indonesia

(*) Corresponding Author

Abstract

Purpose - The purpose of this study is to examine the effect of macroeconomic variables on the amount of savings in Islamic banks in Indonesia.

Method - This study use quantitative research type using secondary data using OLS (ordinary least square) analysis which aims to examine the independent variable on the dependent variable.

Result - The results of this study indicate that inflation and exchange rate variables do not affect the amount of savings, M2 variable has a positive and significant effect on the amount of savings. While the SBI  variable has a negative and significant effect on the amount of savings.

Implication - This study uses the data from Central bank of Indonesia

Originality - This study uses several macroeconomic variables that are used to test its effect on the amount of savings in Islamic banking. By using secondary data taken from official government institutions for several years. The results show that macroeconomic variables greatly affect the customer's decision to save in Islamic banking.

Keywords : inflation; M2; exchange rate; interest rate financing.

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Al-Arbah: Journal of Islamic Finance and Banking
Published by Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Walisongo Semarang, Indonesia
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
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ISSN: 2716-3946 (Print)
ISSN: 2716-2575 (Online)

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