Preferensi Masyarakat Pinggiran Kota Medan terhadap Bank Syariah

Abstract

This study aims to determine the knowledge and attitude of the suburban community of Medan to its decision to use the products of sharia banking services, based on the geographical residence that influence it. Population in this research is suburban society of Medan consisting of Medan Tembung, Medan Denai, Medan Tuntungan and Medan Amplas. Data were collected through questionnaire method to 100 respondents. Sampling technique in this research is done by Non-probability sampling technique with incidental sampling and purposive sampling approach. The type of data used is primary data and secondary data. The analysis technique used is multiple linear regression. Based on the result of research, we get the regression equation as follows: Y = 8,139 + 0,639 X1 + 0,380 X2 Based on the analysis of statistical data, the indicators in this study have valid and reliable results. In the classical assumption test, multicollinearity free regeresi model, no heterokedastisity and normal distributed data. In this study the most influential independent variables are variables of knowledge with regression coefficient 0.639, then attitude variable with regression coefficient 0,380 Hypothesis testing using partial significance test (t test) showed that independent variables of knowledge and attitude proved to have a significant effect. Then through the simultaneous significance test (F test) it is known that all independent variables are feasible to test the dependent variable ie the decision. The Adjusted R Square number of 0.738 indicates that 73.8% of the decision to manipulate or borrow in the Sharia Bank can be explained by all independent variables in the regression equation. While the rest of 26.2% explained by other factors.