Analisis Faktor-Faktor yang Mendorong Keputusan Mahasiswa Menabung di Bank SUMUT

Abstract

Saving society activity is expected to support the economy to remain stable. To encourage community interest in saving money, banks need a specific strategy to influence them to want to decide to save. Students as one component of society is the market share of banks that deserve to be considered to increase the number of their clients because the amount is large enough. Therefore, banks need to know in general the most dominant factor which also became a reason for students to make decisions on bank savings. This study aims to determine the factors that encourage the student's decision to save the Bank of North Sumatra. Factor product, location, promotion and bank credibility factor chosen to determine the most dominant factor in students choosing to save the Bank of North Sumatra. The analysis undertaken is descriptive analysis using SPSS tools ver.13.0, descriptive analysis is between the other is the frequency analysis, tables, cross tabulation (cross tab), and images. Students selected as research respondents were as many as 60 people from North Sumatra University (USU), State University of Medan (Unimed) and the Islamic University of North Sumatra (UISU) by the method of sampling judgment. The results obtained indicate that the majority of students stated that the credibility of the bank that became the most dominant factors they choose to save the Bank of North Sumatra. It can be concluded that the students really trust the credibility of the Bank of North Sumatra and the majority of students also assume that the bank's credibility is the most important factor compared to other factors as the driving factor of their savings in a bank.