Pengaruh Promosi, Tingkat Suku Bunga, dan Literasi Keuangan terhadap Keputusan Menabung Nasabah
- Uun Kurniasih Politeknik Negeri Sriwijaya, Palembang, Indonesia
-
Sari Lestari Zainal Ridho
*
Politeknik Negeri Sriwijaya, Palembang,
Indonesia
- Heni Yuvita Politeknik Negeri Sriwijaya, Palembang, Indonesia
Abstract
This study aims to determine the effect of promotions, interest rates, and financial literacy on customer saving decisions at PT Bank Rakyat Indonesia (Persero) Tbk, Palembang A. Rivai Branch. The study used a quantitative descriptive approach, with data collection techniques using questionnaires, interviews, and documentation. The sampling technique used Non probability sampling through accidental sampling, with a sample size of 107 respondents. Data analysis was performed using validity tests, reliability tests, multiple linear regression analysis, t-tests, F-tests, and coefficients of determination using SPSS. The results showed that promotions had a positive and significant effect on saving decisions, interest rates had a positive but insignificant effect, and financial literacy had a positive and significant effect on customer saving decisions. Simultaneously, promotions, interest rates, and financial literacy had a significant effect on saving decisions. The Adjusted R Square value of 0.501 indicates that the variables of promotion, interest rates, and financial literacy explain 50.1% of savings decisions, with the remainder influenced by other variables outside the study. This study makes an empirical contribution by demonstrating that the savings decisions of BRI customers are influenced by a combination of promotional factors, interest rates, and financial literacy within the context of specific bank branches.
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