Agus Makinuddin

PERSEPSI DAN MOTIVASI MASYARAKAT TERHADAP PRAKTIK MENABUNG DI LEMBAGA KEUANGAN SYARIAH

Introduction

Persepsi dan motivasi masyarakat terhadap praktik menabung di lembaga keuangan syariah. Telusuri persepsi & motivasi masyarakat menabung di lembaga keuangan syariah (BMT). Pahami pengaruh nilai agama, kepercayaan, & faktor ekonomi dalam keputusan menabung.

Abstract

Abstrak This study aims to explore the public's perception and motivation in choosing to save in Islamic financial institutions, focusing on BMT UGT Nusantara Ngoro Branch. Using a qualitative case study approach, data were collected through in-depth interviews with BMT members from various social and economic backgrounds. The results of the study indicate that public perception of Islamic principles, trust in fund management, and conformity with religious values ​​are the main factors in shaping savings decisions. In addition, economic motivations such as fund security and ease of transactions are also important considerations. Social values ​​and the role of religious figures also strengthen public confidence in choosing Islamic financial institutions. These findings indicate that savings decisions are not solely based on financial aspects, but are also influenced by ideological, emotional, and social factors. This study provides insight for BMT managers to understand customer mindsets and design a more contextual and value-based service approach.

Review

This study, titled "Perception and Motivation of the Community Towards Saving Practices in Islamic Financial Institutions," addresses a critical area within financial services, particularly concerning the growth and adoption of Islamic finance. Its primary objective to delve into the factors influencing public perception and motivation to save in Islamic financial institutions, with a specific focus on BMT UGT Nusantara Ngoro Branch, is highly relevant. This exploration provides valuable insights into consumer decision-making in a sector where ethical and faith-based considerations often play a significant role, moving beyond purely economic parameters. Employing a qualitative case study approach with in-depth interviews, the research effectively captures nuanced perspectives from BMT members across diverse backgrounds, a methodology well-suited for understanding complex human motivations. The findings robustly indicate that decisions to save in Islamic financial institutions are significantly shaped by perceptions of Islamic principles, trust in fund management, and alignment with religious values. Beyond these ideological drivers, the study also identifies crucial economic motivations such as fund security and transactional ease, alongside the influential role of social values and religious figures. This multi-dimensional discovery underscores that savings behavior is not merely a financial calculation but a complex interplay of ideological, emotional, and social factors. This study makes a commendable contribution by illuminating the intricate layers behind public engagement with Islamic financial institutions, moving beyond simplistic economic models. Its insights are particularly valuable for BMT managers and policymakers, offering a deeper understanding of customer mindsets necessary for designing more contextual and value-based service approaches. While focusing on a specific branch, the findings lay a strong foundation for future research, potentially exploring comparative studies across different regions or institutions, or examining the long-term impact of these non-financial motivators on customer loyalty and institutional growth. The research successfully highlights the imperative of integrating cultural and religious understanding into financial service provision.

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