ANALYSIS OF INTEREST IN SAVING IN SHARIA BANK AMONG FEBI STUDENTS OF UIN SMH BANTEN

: This study aims to find out the students of UIN SMH Banten in Islamic Banks. Questionnaires were distributed to 32 FEBI students at UIN SMH Banten, Serang City. The collected data were analyzed using descriptive and inferential statistics. Based on the data obtained, it is known that the variables of bank reputation and beliefs influence the interest in saving for UIN SMH Banten students in Islamic banks. The purpose of this study is to analyze the interest of FEBI students at UIN SMH Banten in saving at Islamic banks. This research is quantitative descriptive research using primary data. The variables used in this study consist of bank reputation and trust as independent variables and interest in saving students as the dependent variable. The data collection method uses by providing questionnaires. The method used in this research is descriptive analysis.The results of the study show that the difference between men and interest in savings in Islamic banks is significantly different.


INTRODUCTION
Customeris an important and central part of the banking business, because banking cannot function without customers. Customers are people who can become bank members. Of course without customers, the bank is not functional enough and does not function properly. The role of the customer is very important for the bank, because the customer keeps his money in the bank. According to the November 1998 Banking Act of the Republic of Indonesia, a bank is a business entity that obtains funds in the form of loans or other means to improve people's lives. Therefore, in banking there are three main functions: raising funds, channeling funds and other banking services. In Indonesia, banks are divided into 2 groups: banks that operate with conventional principles and banks that operate withprinciple sharia. (Zakiah Rafiqatuz, 2019) Bank Sharia is a financial institution whose mission is to collect funds from the public to be distributed to the community on a macro and micro sharia basis. In addition, the success of Islamic banks is also the last which places great emphasis on the source, the correctness of the process and the usefulness of the results. Second The banking system currently used in Indonesia offers more choices for customers to fulfill their individual wants and needs. The existence of conventional and sharia banking usually has strategic interests, as well as intermediary institutions and transactions, but the different characteristics of the two types of conventional and sharia banking can influence behavior that can decide which bank to use. (Junaidi, Nurbaiti, 2016) Not only that, some respondents who are interested in Islamic banks said that although Islamic banks are not the mainstay for traditional reports, Islamic banks have many advantages, such as: minimal interest and may not make monthly deductions. for medium and low income. However, as with traditional banks, the selection of Islamic banks is based on the principle of kinship and not on the reputation of the bank in general, and respondents know very little about these Islamic banks.
Not only that, there is a comparison of bank options and attention to banking among all good respondents who clearly report attention to Islamic banking. Therefore, not only analyzing the attention of SMH FEBI UIN students to save in Islamic banking, it is also necessary to educate the public about choosing a bank. This matter was also clearly expressed by the respondents. There must be a comparison to analyze comparisons e- ISSN: 2964-3252;p-ISSN: 2964-3260, Hal 137-151 between banks, conventional banks and Islamic banks, so that respondents or universal citizens know it completely and evenly, so that respondents or residents understand if the bank accepts its.
On In principle, in selecting a bank, one should pay attention not only to one factor, but also to other factors that must be of concern to citizens when selecting a bank before showing interest. Based on the information above, the writer is interested in continuing the research and submitting a dissertation entitled: "Analysis FEBI UIN SMH Student Preferences in Saving at Islamic Banks. The purpose of this study was to identify the interest in saving FEBI students at UIN SMH Banten in Islamic banks.

THEORY REVIEW
A.

Definition of Analysis
Analysis according to KBBI is an investigation of an event to find the actual situation or explanation after being the best and solving a problem that starts with a hypothesis of truth. (Junaidi, Nurbaiti, 2016) The Big Economics Dictionary explains that its intent is to evaluate the status of an accounting-related item or clause and possibly an alibi for the comparison. In the earlier understanding, it is said that analysis is a language study that examines the structure of language in depth. Analysis is the division of a topic into different parts and research on the relationship between the parts themselves and those parts in order to understand and understand the meaning of totality correctly. These two things are related and let us see what they have in common. On the other hand, analysis is an evaluation of the conditions of the description and possible alibis of the differences.

B. Definition of Interest
Attention or interest is a psychological aspect that can motivate a person to achieve his goals. Someone who is interested in an object will pay more attention to or enjoy the object more. However, if the object is not fun, no one cares about the object.
Therefore, the level of interest affects the level of attention or enjoyment of the object.
Interest is the awareness that "an object, problem or situation is related to it".
Interest is not owned by anyone but can be developed. The interest that is already present in man does not exist by itself, but exists thanks to his experience and means of development. SRJ -VOLUME 1, NO. 3, JUNI 2023 Interest is a motivation to do something according to someone's wishes, which in turn can lead to satisfaction, with satisfaction affecting the interests of that person.
Attraction can arise from external attraction or from within. A big interest in something means a lot of capital to achieve or obtain the goal or object of interest. Interest is basically accepting a relationship between you and someone outside of you. The stronger the relationship, the greater the interest. A person's existing relationship with someone can create a feeling of attraction that leads to acceptance.
From some of the definitions above, meaning or conclusion can be drawn, namely an abstract mental process that expresses itself through all states of activity, there is an object that is as valuable as what is known and sought. So the process of the soul makes someone feel something, desire or desire something. We can also say that interest creates something powerful. This desire is caused by the feeling of wanting to achieve, something that can be a thing, etc., be it happy or scary and that makes you feel happy. (Witherington, 1991) Factors Influencing Interest Some of the factors that influence interest are as follows: (Tri, 2019) a. Knowledge Public information is all publicly available information about various products and services and other aspects related to those products and services, as well as information about how they behave as consumers. Consumer information influences consumer decisions and product usage. General banking information is all publicly available information about various sharia banking products and services, as well as other information related to sharia banking services.

b. Location
Location refers to a company's decisions about where it is located and how it operates. The most important thing about locations is their type and interaction. The location of the service where the service is delivered to the destination is an important decision. Determining the location of the service to be used and considering the method and location of service delivery to make customers come to that location to meet their needs. Location is a strategic task because it can also achieve company goals.

d. Environment and Culture
The sociocultural environment is a sociocultural group that lives within certain limits and is governed by norms that separate them from the natural environment. The sociocultural environment includes family, other non-market resources, social class, subculture and culture.

e. Reputation Theory
The reputation of a bank is the maintenance of social relations and trust which in turn forms a company's brand image. A good reputation is a source of profit for the bank.
The good reputation of the banking company inspires trust among customers. Beliefs are descriptive thoughts about something.

f. Service Space Factor
Islamic bank service facilities can be in the form of facilities or services provided by employees. Convenient and affordable service facilities attract and introduce Islamic banking to the public.

C. Definition of Saving
Saving is one way to save money that must be saved. Saving is a method of managing finances with a planned method. The word "put" is included in the group of verbs or verbs, so "put" means action, existence, experience or dynamic meaning. Savings are also counted as income that is not consumed. So it will be stored and used in the future.
From this definition it can be concluded that the purpose of bank deposits is: 1. Set aside a portion of the customer's revenue for future orders.
2. As a work tool for conducting business transactions or groups of people/companies. From the various definitions above, the authors conclude that saving is an activity related to income that is stored in the future as collateral or as a transaction tool to be used in the future.

D. Basic Concepts of Islamic Banking
Islamic banks are financial institutions that operate according to Islamic values and systems, especially for interest-free and non-speculative creative activities, such as gambling. The issues are clear and controversial and devoid of justice. and only fund legitimate businesses. Islamic banks are often associated with interest-free banks.
Interest-free banking is a narrower concept of Islamic banking in which interest is charged on various instruments or transactions.

E. Basic Principles of Islamic Banking
BankSharia follows Islamic rules and norms in its operations as mentioned above: F.

Concept of Islamic Bank Operations
The process of Islamic banking is that Islamic banks make deposits and investments, collect accounts and deposits, and invest the funds accumulated in the business world through private trading companies. If there is a result, a portion of the bank's profit will be shared between the bank and the investor. In addition, Islamic banks can offer a variety of banking services to their customers.
Theoretically, Islamic banks use the concept of two levels of Islam and act as intermediaries to finance financial transactions through Mudharabah contracts. In the financial sector, Islamic banks act as mudharib, and in the financial sector as the owner of funds or shahibul. In addition, Islamic banks also act as investment brokers and liaison owners of company funds.

G. Features or Characteristics of Islamic Banks
BondIndonesian accountants show that Islamic banks have the following characteristics: A. Based on Sharia/Islamic principles B. Application of sharia economic principles with the following characteristics:

A. Type of research
This type of research is field research using descriptive qualitative methods. In order to get more information about the title of this article and provide future solutions, I will explain and interpret this method. In addition, the results of field studies are used to obtain information by directly presenting and analyzing information found in the field to draw conclusions.

B. Place and time of examination
The research was conducted at the Islamic University of Maulana Hasanuddin Banten, Department of Economics and Department of Islamic Economics. The author chose this location because it matched his experience and interest in Islamic and traditional banking, and allowed him to gather information during his research this month.

Primary data
Primary data is data obtained from the source. This information must be obtained from informants or respondents and used as a source of information.

Secondary data
The second data collection method is documentation. This information was also obtained by the authors from previous research and other sources such as books, journals, articles, financial reports, the internet, and other written literature reviews. SRJ -VOLUME 1, NO. 3, JUNI 2023

Population
Population is an area formed by objects or exhibiting certain traits and characteristics that are studied by scientists and inherited. The population of this study were 32 students of FEBI UIN SMH Banten. There are 11 boys and 21 girls.

Samples
The sample is part of the population that has characteristics as a source of information, namely 32 people in a population survey

E. Data collection techniques
Data collection techniques are technical methods that researchers can use to collect data. To ensure the integrity of the information, the authors use research or research methods to present it and do not rule out the truth of the information. Data analysis is a process in which information obtained from relevant research results is studied and arranged systematically. This study uses a comparative technique. This study is carried out scientifically, the information used by the meter is available to the researcher. The results were statistically analyzed to determine differences between the variables studied. In addition, comparative studies can produce reliable results not only because existing tools are used, but also because comparison groups have common or common characteristics.

F. Data analysis techniques
Data analysis is a process in which information obtained from relevant research results is studied and arranged systematically. This study uses a comparative technique.
This study is carried out scientifically, the information used by the meter is available to the researcher. The results were statistically analyzed to determine differences between the variables studied. In addition, comparative studies can produce reliable results not only because existing tools are used, but also because the groups being compared have similarities or characteristics in common. Because the comparative analysis of research materials using comparative data. .931 20 Using Table 2, it can be seen from the results of the reliability test of the savings rate variable that the Cronbach alpha variable is greater than the base value, namely 0.93 > 0.75. These results indicate that all statements in the questionnaire regarding the variable "intention to save" are declared reliable and valid.

3.
Description Interest in Saving To clarify the results of the survey variable analysis of the respondents, it was carried out based on the mean of each variable. The highest value of the average respondent is 5 and the lowest value is 1, where the range can be determined as follows: Range = maximum score -minimum score = 5-1 = 1.33 Total 3 To find out the average response rate of respondents, do the following: Average value between 1.00 and 2.33: Low Average score 2.34-3.67:

Long
And the results of 32 respondents about saving in Islamic banks are high. This means that almost all of the answers given by respondents described a high "intention to save" in Islamic banks.

CONCLUSION Conclusion
Based on the research on the Analysis of Interest in Saving in Islamic Banks among FEBI Students at UIN SMH Banten, it can be concluded that out of 32 respondents stated that on average they were interested in using Islamic Banks Suggestion Based on the above conclusions, the following recommendations can be made: 1. It is hoped that people who have not used Sharia services will one day be able to distance themselves from funds that support the development of the Islamic banking system.
2. It is hoped that Islamic banks can improve the quality of services and facilities as well as increase village publicity so that the public knows about the existence of banks and their operational systems at Islamic banks and the quality of their human resources, knowing that Islamic banks can make people trust the bank.
3. In the case of Islamic banking, the marketing or marketing system should introduce or publish existing Islamic banking systems and systems so that students of UIN SMH Banten FEBI learn about Islamic banking not only from outside but also from within interested bank customers.