Pengaruh Pengetahuan dan Persepsi Masyarakat Kelurahan Keramat Kota Pangkalpinang terhadap Minat Menabung di Bank Syariah

The problem in this study is that the majority of residents of Keramat Village are not interested in saving at Islamic banks due to their lack of understanding of Islamic banking products. This is despite the village being geographically close to the provincial capital, with most Islamic banks operating in Pangkalpinang, and a community known for its adherence to religious values. However, the community's knowledge and perception of Islamic banks are not fully aligned with these values, resulting in low interest in saving at Islamic banks. Therefore, this study aims to determine the influence of knowledge and perceptions of the residents of Keramat Village in Pangkalpinang City on their interest in saving at Islamic banks. This study employed quantitative research, utilizing primary data through questionnaires distributed to 97 respondents in Keramat Village, Pangkalpinang City, and documentation. The data collection method used was purposive sampling, obtaining a sample of 97 respondents using a Likert scale. Data were obtained using SPSS version 31.0 and multiple linear regression analysis techniques. The results of this study indicate that: 1) The influence of knowledge partially has a positive effect on the interest of the Keramat sub-district community in Pangkalpinang City to save in Islamic banks with a calculated t value (4.395) > t table (1.661) with a significance value of <0.001 <0.10. 2) The influence of knowledge perception partially has a positive effect on the interest of the Keramat sub-district community in Pangkalpinang City to save in Islamic banks with a calculated t value (2.311) > t table (1.661) with a significance value of 0.023 <0.10. 3) The influence of knowledge and perception simultaneously has a positive and significant effect on the interest of the Keramat sub-district community in Pangkalpinang City to save in Islamic banks with a calculated f value of 18.957 > ft table 2.76. With a significance value of <0.001 <0.10.