If subjective norms, consisting of normative beliefs and motivations, strongly influence students' interest in saving stocks (Mardiansyah & Syafe'i, 2020). In addition, partial attitudes can positively affect stock saving interest, but subjective norm variables do not affect investment interests (Luky, 2016). However, behavioral control has little impact on customers' interest in saving choices (Sesariyadi et al., 2018).
Interest in saving as a behavior appears as a form of customer response to information-seeking objects (Chotifah, 2018). Interest in saving can be seen from four factors: problem recognition, information search, information evaluation and saving decisions (Priambodo dan Septiarini, 2019). Many studies have investigated and reported whether attitudes influence a person's interest in decision making (Raut.
Subjective norms are the perception or a person's view of the beliefs of others that can satisfy an interest in doing or not doing the behavior under consideration (Andryani dan Kurniawati, 2015). A person's interest in behaving is predicted by his or her attitude and the judgment of the other person's thinking when the individual does something (Mintardjo et al. Variable attitudes influence interest in investing in the capital market, while the subjective and perceived behavioral control norms do not has influenced interest in investing on the capital market.
Furthermore, the interest in saving households becomes the determining factor of household saving behavior (Sukardi, 2017) The Saving.
Hypothesis Development
The validity test can be seen in the Corrected Item-Total Correlation column on the data results in SPSS. The value is then compared with the value of the r table. Correlation values less than r of the table may indicate that there is an invalid question, so it should be discarded, but if r number > r table then the question is valid (Astuti, 2018). The value of coolness and taper can be obtained from the SPSS descriptive analysis program, and then the JB count results are compared with the Chi-Square table with a complementary degree of 2. The hypothesis can be thought of as the meaning of the test performed, which is based on the available data, will be tested on βj (population regression coefficient), regardless of whether it is equal to zero, which means that free variables have no significant effect on bound variables or are not equal to zero (Pardede & Manurung , 2014).
The distribution of the data in this study based on the region of origin can be seen in Table 5. In order for the characteristics of the respondents' jobs to influence their interest in gold saving in Sharia PawnShop Unit Ngabean, the characteristics of the respondents can be grouped according to the type of job. can be seen in table 7. According to the percentage in table 7, it can be concluded whether the respondent's work is dominated by housewives, which means that there are many housewives who want to put their income aside to store gold in Sharia pawnshop because they have to manage with guaranteed income. according to my husband, well.
The measurement of validity test is done by comparing the value with the value of the r-table which can be searched for the significance of 0.05 with the amount of data (n) = 30, and then the r-table gets 0.361. If the value of r number > r table, then the questionnaire is said to be valid, but if the value is less than r table, then the question on the questionnaire is invalid or cannot be measured. Based on Table 8 it can be known whether the questionnaire has obtained a coefficient value r number > r table, with the determination r table 0.361.
Based on table 9, it is known if the Cronbach Alpha value of all variables > 0.7 or close to 1. All variables in this study are reliable, so it can be interpreted if the answers given by the respondents in the answers to the questions are stable. . The normality test is used to test whether, in regression models, the variables or residuals have a normal distribution that can be seen from the graph (Astuti, 2018).
Based on Table 10, the result of asymptotic significance value 0.192, compared to the probability 0.05, then the value of asymptotic significance is more excellent. The regression equation can be explained value of the positive constant of 1.966 reveals that all independent variables, namely people's attitudes, subjective norms and behavioral control, if considered constant (0), the interest level to save gold is 1.966. There is an increase of 1 unit on the value of people's attitudes, and it can increase interest to save gold by 0.515.
The regression coefficient for behavioral control (X3) is 0.327, so if there is an increase of 1 unit in the value of behavioral control, the interest in saving gold can increase by 0.327. Based on the t-test in table 15, the statistical calculations obtained the value of t count from the variable people's attitude 5.896, while t table 1.986.
People's attitudes affect the Interest saving gold in Sharia Pawnshops
Subjective norms do not affect the Interest in saving gold in Sharia Pawnshops
Thus, there is a difference in the results of previous research with the current research results because this study concluded that subjective norms do not influence the interest in saving gold in Sharia Pawn Shop Unit Ngabean. The cause of subjective norm variables that do not influence the interest in saving gold is still the lack of motivation from the environment to save gold, which is evident from the answers of the respondents to the given question points. Behavioral control influences the interest in saving gold in the Sharia pawnshop. Based on coefficients, the value t counts for the behavioral control variable (X3).
Behavioural control affects the Interest in saving gold in Sharia Pawnshop Based on coefficients, the value t count for behaviour control variable (X3)
Behavioral control variables have a positive and significant effect on Interest in saving gold in Sharia pawnshops, evidenced by the t-count value >3.335. There are some limitations in the study and this study only looks at the influence of people's attitudes, subjective norms and behavioral control on the interest to save gold in Sharia pawnshops. This research study only takes housewives customers, so they are less able to know the general customer's interest towards saving gold in Sharia pawn shop.
Some suggestions from researchers to the parties involved in this study, for future research, are expected to add variables in addition to those used in this study that may influence the interest in saving gold, such as knowledge and promotion. It is expected that the Sharia Pawn Shop will provide more motivation regarding saving gold in the Sharia Pawn Shop to provide more understanding to its customers. Because during the researchers' observations in the study, they found many customers who did not understand gold savings products in Sharia Pawnshop.
Penelitian selanjutnya diharapkan dapat melakukan survei terhadap satu unit pegadaian syariah dan boleh juga dari unit yang berbeda, serta melakukan survei terhadap nasabah pegadaian syariah dan melakukan survei terhadap khalayak luas untuk mendapatkan hasil secara umum. Pengaruh pengetahuan dan periklanan terhadap minat menabung di bank syariah (studi pada mahasiswa Fakultas Ekonomi dan Bisnis Islam Iain Padangsidimpuan Angkatan 2014). Pengaruh literasi keuangan, inklusi keuangan, uang jajan, teman sebaya, gaya hidup dan pengendalian diri terhadap minat menabung mahasiswa.
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Pengaruh Bank Syariah yang Dikelola Berdasarkan Prinsip Syariah dan Fitur Produk serta Fasilitas Bank Syariah Terhadap Minat Menabung Masyarakat di Surabaya. Pengaruh perilaku, norma subjektif dan kontrol perilaku terhadap minat nasabah memilih produk tabungan iB amanah di bank syariah NTB. Pengaruh persepsi nilai dan pengetahuan masyarakat terhadap minat menabung dan dampaknya terhadap keputusan menabung pada perbankan syariah di Banda Aceh.
