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Spending Habit: Its Effect On Decision To Do Saving On Islamic Bank

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"Purpose : This study aims to find out the effect of income, lifestyle,
and spending habits on the decision to do saving in Islamic
bank.
Methodology : The methodology used for this study is the SEM-PLS
method with the assistance of SmartPLS 4 for the data
analysis. As this was a quantitative research, a questionnaire
was used in the form of Google Form, and spread through
social media (WhatsApp, Facebook, Instagram, etc.). A
total of 152 Gen Z respondents have been collected from
the Jabodetabek area.
Result : The result showed that income (X1) could positively
affect choice in Islamic banks (Y) through spending habit
(Z), but could not have a direct significant effect on the Y
variable. Lifestyle (X2) could positively and significantly
affect choice in Islamic banks (Y), either directly or through
spending habits. Meanwhile, Spending habits (Z) could
significantly affect choice in Islamic banks (Y)"

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Availability

Detail Information

Series Title

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Call Number

REF 332.024 NIZ s

Publisher

Bogor : Universitas Islam Tazkia., 2025

Collation

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Language

Indonesia

ISBN/ISSN

NIM.2110101105

Classification

332.024

Content Type

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Media Type

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Carrier Type

-

Edition

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Subject(s)

Islamic Bank
Lifestyle
Income
Spending Habit

Specific Detail Info

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Statement of Responsibility

Aulia Nizar

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