MUSLIM’S PERCEPTION TOWARDS FINANCING ACTIVITIES IN CONVENTIONAL BANKS
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Abstract
Abstract: The purpose of this research is to analyze Muslim’s perception toward conventional bank, to analyze the awareness of Muslim toward riba in their financing activities, and to analyze the factors that influence Muslims to save their money in conventional bank. The data used in this research is secondary data. The techniques for collecting data by interview and observation using questionnaire for 130 respondents. The analysis method used in analyzing this research is simple regression with classical assumption test. The Result of this research shows that they are economic factor & services significantly influence the dependent variable. Another variable, which do not influence significantly, are products and sharia factor. The most influence factor in this research is economics by 0.002 from those processed variable.
Abstrak: Tujuan penelitian adalah menganalisis persepsi Muslim terhadap bank konvensional, untuk menganalisis kesadaran Muslim terhadap riba dalam kegiatan perekonomian, dan untuk menganalisis faktor-faktor yang mempengaruhi Muslim untuk tergerak menyimpan uangnya pada bank konvensional. Data yang digunakan pada penelitian ini adalah data primer. Teknik pengumpulan data yang digunakan adalah interviewdan observasi dengan pembagian kuisioner pada 130 responden. Metode analisis yang digunakan regressi sederhana dengan uji asumsi klasik. Hasil dari penelitian ini menunjukkan bahwa 2 variabel independen secara signifikan berpengaruh terhadap dependen variable, mereka adalah faktor ekonomi dan pelayanan. Variabel lain yang tidak siginifikan berpengaruh adalah produk & faktor syariah. Variabel yang paling berpengaruh pada penelitian ini adalah faktor ekonomi dengan 0,002 terhadap variable dependen.
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