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"The capital consists management of saving and investment (as the proxy of savings and loans), FDI, and DDI and is important production factors. The contribution of management of savings and investment are estimated using panel regression and Generalized Method of Moment (GMM) and also series regression. The results show that management of savings and investment has significant effect on economic growth with the respective negative and positive effects. Moreover, FDI, DDI, Labor by Sector (SMA), and Population Growth also play a significant role on growth with distinctive coefficient describing respective effects for each variable on growth. Furthermore, sector-specific analysis gives very dynamic effects on growth in the case of Indonesia. In order to identify long-run bidirectional relationship between variables, we employ Granger Causality Test using Vector Error Correction Model (VECM). As presented in the result and analysis, no variables performing bidirectional relationship in the long-run."

"Tabungan merupakan instrumen penting bagi perekonomian sebuah negara hingga di level ekonomi rumah tangga. Di dalam teori mikroekonomi, pembentukan tabungan individu dibahas dalam Life Cycle Hypothesis dan Permanent Income Hypothesis yang menyatakan bahwa tabungan dipengaruhi usia, pendapatan, dan harta kekayaan yang dimiliki. Sementara itu, selain dari faktor ekonomi, beberapa penelitian menemukan bahwa karakteristik sosioekonomi individu berpengaruh dalam keputusan menabung, salah satunya adalah agama yang dianut dan tingkat religiositas seseorang. Penelitian ini bertujuan untuk melihat pengaruh agama yang dianut dan tingkat religiositas terhadap perilaku menabung rumah tangga di Indonesia. Sampel yang digunakan dalam penelitian ini didapatkan dari data rumah tangga Indonesia Family Life Survey IFLS 5 dengan total sampel sebanyak 10.804 rumah tangga. Metode untuk melihat probabilitas menabung rumah tangga adalah model probit, sedangkan untuk menganalisis hubungan antara tingkat religiositas dan tingkat tabungan digunakan analisis regresi ordinary least squares OLS. Hasil dari penelitian menunjukkan bahwa probabilitas menabung antara rumah tangga Islam dan non-Islam tidak berbeda secara signifikan, sementara rumah tangga Kristen cenderung memiliki porbabilitas menabung yang lebih tinggi daripada rumah tangga agama lainnya. Kemudian, tingkat tabungan pada rumah tangga Islam juga tidak dipengaruhi oleh tingkat religiositas.

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Savings is an important instrument for the economy both in macroeconomics and microeconomics perspective. In microeconomic theory, the formation of individual savings is discussed in Life Cycle Hypothesis and Permanent Income Hypothesis which state that savings is influenced by age, income, and wealth. Meanwhile, apart from demograhic and economic factors, several studies have found that individual socioeconomic characteristics have an effect on saving decisions, some of which are belief religion and their religiosity.

Purpose of this study is to see the correlation between Indonesia households religion and religiosity against the decision to save. The sample used in this study is obtained from Indonesia Family Life Survey IFLS 5 with total sample of 10,804 households. The method to study the probability of saving household is probit model, while to analyze the relation between religiosity level and saving rate, ordinary least squares regression OLS is used.

The results of the study show that the probability of saving between Islamic and non Islamic households does not differ significantly, whereas Christian households tend to have higher probability to save than other households. Then, the savings rate in Islamic households is also not affected by the degree of religiosity."

"Penelitian ini meneliti faktor-faktor yang mempengaruhi kecenderungan rumah tangga di Indonesia untuk menabung, sebelum dan selama wabah COVID-19. Penelitian ini menggunakan model regresi logistik untuk menganalisis data gabungan dari Survei Sosial Ekonomi Nasional (Susenas) dan Data Potensi Desa (Podes) yang dikumpulkan pada tahun 2019 dan 2021.

Penelitian ini menunjukkan peningkatan probabilitas menabung uang selama pandemi COVID-19 pada tahun 2021 dibandingkan dengan tahun 2019. Studi ini mengungkapkan bahwa rumah tangga menunjukkan perilaku finansial yang adaptif selama masa-masa sulit, menyoroti pentingnya ketahanan finansial. Korelasi positif ditemukan antara perilaku tabungan dan beberapa variabel dalam studi ini. Faktor-faktor yang dipertimbangkan berhubungan dengan konsumsi, kredit, asuransi, tempat tinggal, pekerjaan, pendidikan, dan status perkawinan. Individu dengan karakteristik tertentu seperti konsumsi yang lebih tinggi, pendidikan, atau pekerjaan menunjukkan kecenderungan yang lebih besar untuk menabung uang. Hubungan terbalik ditemukan antara perilaku tabungan dan variabel seperti jenis kelamin pria, ukuran keluarga yang lebih besar, dan kepemilikan rumah. Ada hubungan terbalik antara menabung uang dan faktor-faktor seperti ukuran keluarga yang lebih besar, kepala rumah tangga pria, dan kepemilikan rumah. Stabilitas dari faktor penentu utama perilaku tabungan bertahan dari tahun 2019 hingga 2021, menunjukkan konsistensi mereka meskipun ada gangguan ekonomi seperti pandemi. Penelitian ini menawarkan wawasan berharga tentang kebiasaan finansial di Indonesia. Potensinya terletak pada membantu pembuat kebijakan dan lembaga keuangan untuk mempromosikan kebiasaan menabung yang lebih baik, yang sangat penting untuk stabilitas dan pertumbuhan ekonomi.

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This study examined the factors that impact the tendency of Indonesian households to save, before and during the COVID-19 outbreak. The study utilized logistic regression models to analyze combined data from the National Socio-Economic Survey (Susenas) and Village Potential Data (Podes) gathered in 2019 and 2021. The study revealed an increase in the probability of saving money during the COVID-19 pandemic in 2021 compared to 2019. The study revealed that households displayed adaptive financial behaviors during difficult times, highlighting the significance of financial resilience. A positive correlation was found between savings behavior and several variables in the study. The factors considered are related to consumption, credit, insurance, residency, employment, education, and marital status. Individuals Household with certain characteristics such as higher consumption, education, or employment exhibit a greater inclination towards saving money. An inverse relationship was found between savings behavior and variables such as male gender, larger family size, and homeownership. There is an inverse relationship between saving money and factors such as larger family size, male household head, and homeownership. The stability of the core determinants of savings behavior persisted from 2019 to 2021, indicating their consistency despite economic disruptions such as the pandemic. This study offers valuable insights into financial habits in Indonesia. Their potential lies in assisting policymakers and financial institutions to promote better savings habits, which are essential for economic stability and growth."

"Penelitian ini bertujuan untuk mengetahui perspektif nasabah mengenai produk tabungan di bank syariah, perspektif nasabah mencakup tentang pengetahuan dan motivasi nasabah. Jenis penelitian yang dilakukan adalah dengan pendekatan kualitatif yang bersifat deskriptif. Narasumber merupakan nasabah yang memiliki produk tabungan di bank syariah, data penelitian didapat menggunakan kuisioner terbuka dengan cara sampel acak. Hasil penelitian menunjukan bahwa mayoritas pengetahuan nasabah atas produk tabungan yang dimilikinya sebatas pada sifat dana dan pengetahuan tentang insentif lebih banyak diketahui oleh nasabah tabungan mudharabah, serta motivasi yang mendorong mereka adalah motivisasi intrinsik dan didasarkan pada motivasi emosional dan faktor yang utama yang paling mempengaruhi mereka adalah faktor produk.

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This study aims to determine the customer's perspective regarding savings products in Islamic banks, the customer's perspective includes customer knowledge and motivation. The type of research carried out is a descriptive qualitative approach. Interviewees re customers who have savings products in Islamic banks, research data obtained using an open questionnaire by means of a random sample. The results show that the majority of customers' knowledge of their savings products is limited to the nature of funds and the knowledge about incentives is more known by mudharabah’s customer and the motivation that drives them is intrinsic motivation and is based on emotional motivation and also the main factor that influences them the most is the product factor."