Pengaruh Religiusitas, Pengetahuan Perbankan, Kualitas Produk dan Pelayanan terhadap Keputusan Menggunakan Jasa Perbankan Syariah pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Sumatera Utara

Abstract

The purpose of this study was to determine the effect of religiosity, banking knowledge, product quality and service on decisions to use Islamic banking services on students of the Faculty of Economics and Business, University of North Sumatra, both partially and simultaneously. This study uses a quantitative approach with multiple linera analysis techniques. The results of the study showed that partially Religiosity has a significant effect on the decision to use Islamic Banking Services, partially Banking Knowledge has no significant effect on the decision to use Islamic Banking Services. Partially, product quality has a significant effect on the decision to use Islamic banking services. Partially, service quality has a significant effect on the decision to use Islamic banking services. The results of this study concluded that simultaneously there was an effect of Religiosity, Banking Knowledge, Product Quality Service Quality on decisions to use Islamic Banking Services on Students of the Faculty of Economics and Business, University of North Sumatra. The results of the regression calculation can be seen that the coefficient of determination (R square) obtained is 0.480, this result means that 48% of the decision variables can be explained by the variables of Religiosity, Banking Knowledge, Product Quality, and Service Quality while the remaining 52% is explained by other variables not examined.