Faktor yang Memengaruhi Keputusan Siswa dalam Memiliki Rekening Tabungan Simpanan Pelajar: Studi Kasus BPRS Rif’atul Ummah

Abstract

The high number of students and the increasing levels of financial literacy and inclusion have not been fully followed by an increase in student savings account ownership at BPRS Rif'atul Ummah. This study aims to analyze the characteristics of respondents and the factors influencing students' decisions to open a student savings account at BPRS Rif'atul Ummah. This study used a sample of 100 respondents selected using a purposive sampling technique. Data were collected through direct questionnaire distribution and analyzed using logistic regression analysis. The results indicate that knowledge and facilities have a positive and significant influence on students' decisions to open a student savings account. Meanwhile, religiosity, trust, location, promotions, pocket money, and parental income have no significant influence. These findings indicate that students' decisions are more influenced by understanding the product and the ease of service provided by financial institutions than by other factors.