Analisis Faktor-Faktor Keputusan Masyarakat dalam Menabung pada Bank Syariah di Medan

Abstract

The establishment of Syariah or Islam Bank is an indication of disadvantages of interest rate. This supported by the issuance of MUI binding ruling (16/12/2003) on the forbidden of interest that enforcedon January 2004. The issuance of any binding ruling by MUI concerning to Islam (Syariah) economy support the existence of syariah banking in the development of Islam banking business in Indonesia. Banking existence is a society trust based financial service. Development of syariah banking system as financial institution in Indonesia is unavoidable. For more of the population is Islam adherent, Indonesia is a prospect market for the banking system applies the regilion norm in the development of is business. But more of the Muslim who save their money at conventional bank. This research aims to study whether the education, income, age and distance influece on the decision of society or customer to save their money at Syariah bank in Medan. The data used in this study is primary data. The primary data is collected from the respondent, i.e the customer who save their money at Syariah Bank in Medan at subdistricts of Medan Kota, Medan Petisah, and Medan Tembung by the interview method and questionaires filed by respondent. The sample are 120 customers abtoined by non probability sampling. The technique sampling process is quota sampling. The statistical test applied in analysis on this study is a multiple regression by Ordinary least Square (OLS) method. The data is processed by data processing software Eviews version 4.1. The result indicates that there is a significant and positive correlation between variables of education, income, age and distance and dicision of customer to save their money at Syariah Bank in Medan.