ANALISIS POTENSI DAN PREFERENSI MASYARAKAT KELURAHAN SENGETI KABUPATEN MUARO JAMBI TERHADAP KEHADIRAN BANK SYARIAH

Sharia Bank is a financial institution tasked with collecting funds and distributing funds as well as providing other services based on the principles of partnership, fairness, transparency and universality as well as conducting banking business activities based on sharia principles. The development of Islamic banks is currently quite fast, but lately Islamic bank customers have different perceptions of Islamic banking, where some people hear about news or issues circulating about the perception of public figures who say that Islamic banks still use the principle of usury. which is a benchmark for some people and raises its own doubts about saving in Islamic banks, this is caused by several factors. First, the lack of socialization carried out by Islamic banks. Second, the lack of understanding of public figures regarding the system and objectives of Islamic banking itself.
 The formulation of the problem in this research is how is the perception of community leaders in increasing people's interest in saving?
 This type of research is a field research (field research), and is descriptive qualitative. The results of this study state that the perception of public figures in increasing public interest in saving in Islamic banks is in the Good category. Good category, customers already understand what Islamic banking is like, customers already know Islamic banks and not a few customers who already understand Islamic banking, and the public confirms that there are issues circulating in the community where public figures still have the assumption that Islamic banks are no different from conventional banks, while the issue of usury on people's interest in saving Islamic banks is in the medium category, meaning that the issue of usury circulating among the public has quite an impact on people's perceptions, therapy does not have much impact on people's interest in saving.

The fatwa of the Indonesian Ulema Council (MUI) regarding the prohibition of usury on 24 January 2004 did receive various responses in society, some took it seriously and used sharia banking services, some responded casually. The MUI fatwa is also suspected of being a driving force for Islamic banks. The purpose of this study was to find the effect of the issuance of the MUI Fatwa regarding the prohibition of usury on people's interest in saving at Islamic or conventional banks in Bekasi City. So that it will be known how much the people's interest in saving and people's preferences in choosing a bank to serve their banking transaction needs. The research results obtained are that the MUI Fatwa significantly affects people's interest in saving at Islamic banks in Bekasi with a significance level of 0.000. This indicates that Ulama still play a major role in providing input in the life of the ummah. Other technical factors such as ATM networks, location and access to Islamic bank offices, saving safety and self-identity of savers also have a major influence in determining people's choices of choosing Islamic banks for their banking services with a significance level of 0.000.

Understanding Islamic banking can be applied properly but has not fully positively influenced the intention to save in Islamic banking. Lack of interest and customer trust in Islamic banking to save in Islamic banking so there is a need for socialization of Islamic banking knowledge itself, both regarding understanding, of products, principles, and contracts used by parties from Islamic banks. In addition, some opinions also state that it is normal for lecturers at Islamic religious colleges to save in Islamic banks because they are required to open savings accounts to receive their salary through Islamic banks. Based on the description of the problem, the researcher is interested in conducting further research to prove whether the understanding of Islamic banking on lecturers' interest in saving in Islamic banking can maximize or have a positive effect on saving or not saving in Islamic banks. The discussion of this research relates to the field of science in connection with that the approach taken in theories related to understanding and interest. This research is quantitative. The samples used in this study were 34 lecturers. Data collection techniques used are interview techniques, distributing questionnaires, and documentation. The analysis technique of this research uses a validity test, reliability test, normality test, linearity test, classical assumption test, simple linear regression test, and hypothesis test with the help of SPSS version 26 software. The results of the study show that lecturer knowledge influences people's interest in saving at Islamic banks. This of course can prove that Indonesian Islamic banks have a place in the hearts of lecturers, not only because of the obligation to open an account at an Islamic bank to get a salary as a lecturer.

Customer satisfaction is critically important for banks to stay competitive as the customer is the ultimate source of income for any organization. Islamic banking system and conventional banking system are considered as rival systems working in the same banking industry. In order for Islamic banks to compete successfully with conventional banks, Islamic banks must give extremely high consideration to their primary customers. Whenever either Islamic banks or conventional banks offer any product or service, its success depends upon the customer satisfaction towards that product or service. This study examines the level of customer satisfaction on Islamic banks as well as conventional banks in Malaysia. It also investigates the relationship between different demographic variables and the satisfaction of customers. A sample of 1,153 respondents from various cities representing different states in Malaysia was selected. The results in this study suggest that customers are mostly satisfied with the quality of services which include competency, friendliness, and efficiency of the staff of the Islamic and conventional banks.

In this research, the author will analyse the factors that influence people's interest in saving in Islamic banks, especially in the regions. Some of the factors to be analysed include financial literacy, trust level, location, income, and perception of profit sharing. Therefore, innovation in Islamic banking services, including the provision of mobile banking applications that comply with sharia principles, can be one of the effective strategies to increase the attractiveness and interest of the public in saving at Islamic banks. This research adopts a mixed approach, which includes both qualitative and quantitative methods, to explore the impact of financial literacy, trust, and perceived profit sharing on interest in saving in Islamic banks. This approach was chosen in order to gain a deeper understanding of the factors that influence interest in saving in Islamic banks. This research reveals that financial literacy and location have no significant effect on people's interest in saving in Islamic banks. In contrast, factors such as public trust, income, and perception of the profit-sharing system show a positive and significant influence. These findings suggest that in order to increase interest in saving in Islamic banks, financial institutions need to focus more on building public trust as well as providing a deeper understanding of the products and services they offer.

People's preference for saving in islamic banks can be determined by how much they know or understand about islamic banks and services, as well as how easily they can access islamic banking, and how much this influences their interest in Bacan District. Multiple linear regression has been used to determine the impact of knowledge on people's interest in saving money at islamic banks there. The findings revealed that the knowledge component (P1), which had a probability value of 0.00%, had a substantial impact. The study's findings on the service variable (P2) indicate that there is a lack of public interest in saving in islamic banks, with a likelihood value of 0.87%. The findings disprove the idea that low public interest in saving at islamic banks is a result of poor service. According to earlier research by Maysaroh (2014), location factors have a significant impact on customers' decisions, however the impact is not very strong. In contrast to earlier studies, the findings of which are invariably significant, this study. The location variable (P3) had no statistically significant impact. Despite being easily accessible and including security indications and location techniques, P3 remains the most prominent signal. Additionally, islamic banks must make islamic banking systems and products available to the general public in order to gauge that population's interest in islamic banks. Keywords: Interests; Islamic Banking; Bacan.

This study aims to determine community interest in financing products at Islamic banks with a modified Theory Planned Behavior (TPB) approach. These modified TPB variables consist of knowledge, religiosity, attitudes, subjective norms and behavioural control. This research was conducted in Jakarta. Islamic banks located in the Jakarta area are the object of this research, and the sample is 130 respondents. The quantitative method with the Partial Least Square (PLS) analysis model approach with SmartPLS 2.0 software is the method used in this study. The variables of knowledge, religiosity, attitudes, subjective norms and behavioural control are exogenous, while the intervening variable is community interest, and the endogenous variable is financing decisions. The variables of knowledge, religiosity, attitudes, subjective norms and behavioral control, which have a direct positive and significant effect on the community's interest in using Islamic bank financing products, are the results of this study. Knowledge, Attitude and behavioural control directly and significantly positive affect the community's decisions to choose financing products in Islamic banks. The higher people's knowledge, Attitude and behavioural control, the higher the financing decision becomes the implications of this research result. Religiosity and subjective norms significantly negatively affect the decision to choose financing products in Islamic banks. In addition, community interest also has a positive and significant effect on financing decisions. This means that, community interest can significantly mediate knowledge, religiosity, subjective norms, attitudes, and behavioral control influence financing decisions. Based on the research results, Indonesian Islamic Banks can develop business by emphasizing the religiosity side to inspire people to prefer financing of Islamic banks over conventional banks. Furthermore, Bank Syariah Indonesia should use social-environmental reference factors like friends, family, neighbors and religious figures

As a people of Maracang Village, the increase in Islamic bank institutions in Maracang Village has no effect at all on people's interest in saving at Islamic banks. It is caused by the lack of public knowledge of Islamic banking institutions. This study aims to determine the object of perception of the Maracang village community towards Islamic banking, to determine the sensory tools of the Maracang village community's perception of Islamic banking, and to determine the attention of the Maracang village community on Islamic banking products. This type of research is field research or case study with a qualitative descriptive approach. The data collection technique was done by triangulation (combined). The result showed that the people in Maracang Village still did not have an interest in saving at Islamic banks because of the objects, senses and people's attention to Islamic banking institutions. In terms of objects, most of them did not know all the aspects that exist in Islamic banks; it’s about savings and financing products, also the unstrategic locations of the bank. They thought that services at conventional banks were still better than Islamic banks. In terms of senses of society, the services of Islamic banks were inadequate, the human resources were not good. The objects and sense of people of Maracang Village to the perception of Islamic banking affected the bad attention.

The paper attempts to model the key drivers of credit risk for Islamic banks in Malaysia. This paper is motivated to introduce Islamic financing types (IFT) and banks ownership status (STATUS) as additional factors in investigating the key drivers. This study also investigates the level of credit risk between the crisis and non-crisis period. This study employs a panel data analysis method using generalized least squares (GLS) regression for random effect model. The dependent variable is credit risk which assumed to be a function of bank-specific variables and other potential variables that are ownership status, Islamic financing types and financial crisis. The sample of this study comprised of 160 observations for 15 full-fledged Islamic banks in Malaysia, covering the period of 2000 to 2016. The finding suggests that financing expansion, financing and capital buffer are amongst important drivers that significantly influence the level of credit risk of Malaysian Islamic banks. The estimation results of this study also suggest that any Islamic bank that offers equity-based financing (EBF) has significantly higher credit risk.

The current performance of Islamic banking is quite encouraging, but for the market share of Islamic banking, which is currently still relatively small, even though the majority of Indonesia's population is Muslim. Knowledge or literacy has a significant influence on people's interest in muamalah with Islamic banks. This paper tries to describe contemporary jurists' views regarding the law dealing with Islamic banks. Contemporary jurists allow muamalah with Islamic banks because deposits in Islamic banks are built on the principle of mudaraba and there is no usury on it, this is as expressed by Wahbah al-Zuhaylī, usāmuddīn 'Afānah, al-Dubyān, Al-Qarḍāwī, Islam Web, Ibn Bāz, Dāirat al-Iftā and DSN MUI. According to DSN MUI wadiah or deposits in Islamic banks are yad dhamānah not yad amanāh and according to Adiwarman Karim Islamic banks are allowed to give bonuses to customers if they are not required in advance, i.e. the gift is a voluntary gift given by the bank as its policy. According to contemporary fukaha, the law of saving in Islamic banks can be recommended in order to implement and enforce Islamic values

The Small Sharia Bank Laboratory is a supporting and implementing facility for the Uin Sunan Ampel Surabaya program which is expected to be able to contribute to accelerating the development of sharia in Indonesia. Therefore, empowering the Mini Syariah Bank laboratory as a place to develop competencies both in the areas of intellectual, motor skills and skills in using Islamic banking media tools to increase the competency of Islamic finance and banking graduate students needs to be studied. This study aims to see the effect of promotion and knowledge on people's interest in making transactions at Mini Syariah Banks. The development of Islamic financial institutions in Indonesia has indeed experienced a significant increase, but this increase has not been accompanied by public knowledge about Islamic banks, especially in rural areas. So that in the end, many village people equate Islamic financial institutions with conventional financial institutions.

Islamic banking has been gaining popularity in recent past years. This research study examines the need of up-gradation in Islamic banking of Pakistan where mainstream of population about 98% are Muslims. The need of up-gradation in Islamic banking was examined in different segments like people perception about Islamic banking, Islamic banking and micro finance and Islamic banking regarding agriculture. Present study adapted the structured questionnaire from different studies and explored irreconcilable aspect of selected variables. Questionnaires were distributed to bankers and customers in six big cities of Pakistan (Lahore, Karachi, Islamabad, Rawalpindi, Quetta and Peshawar) by simple random sampling. The researcher collected data from 986 correspondents by visiting different banks. Conclusion of this study discloses that Islamic banking lack policies regarding microfinance and agriculture related product and services which need to be solving to up-gradate banking system in modern prospect.

ABSTRACTThe purpose of this study was to determine whether people's interest in saving in Islamic banks, to determine whether promotion affects people's interest in saving in Islamic banks, and to find out whether religiosity affects people's interest in saving at Islamic banks. The data collection method was carried out through a questionnaire distributed to the community of Kp Kalong Sari, Kalong Sawah Village. Samples were taken as many as 50 respondents with a purposive sanpling technique. The data obtained were then processed using SPSS Version 21. The analysis included the reliability test, validity test, classical assumption test through the Ttest, Ftest test, and the coefficient of determinant (R2). The results of the Ttest test showed that promotion partially had a positive and significant effect on the community interest in Kp Kalong Sari, Kalong Sawah Village, amounting to 39.2%. The Ftest test shows that religiosity simultaneously has a significant effect on the interest of the Kalong Sari community in Kalong Sawah Village with an effect of 60.8%.

ABSTRACTThe purpose of this study was to determine whether people's interest in saving in Islamic banks, to determine whether promotion affects people's interest in saving in Islamic banks, and to find out whether religiosity affects people's interest in saving at Islamic banks. The data collection method was carried out through a questionnaire distributed to the community of Kp Kalong Sari, Kalong Sawah Village. Samples were taken as many as 50 respondents with a purposive sanpling technique. The data obtained were then processed using SPSS Version 21. The analysis included the reliability test, validity test, classical assumption test through the Ttest, Ftest test, and the coefficient of determinant (R2). The results of the Ttest test showed that promotion partially had a positive and significant effect on the community interest in Kp Kalong Sari, Kalong Sawah Village, amounting to 39.2%. The Ftest test shows that religiosity simultaneously has a significant effect on the interest of the Kalong Sari community in Kalong Sawah Village with an effect of 60.8%.

This study examines the influence of attitudes, subjective norms, perceived behavior control, and religiosity on consumer intention to adopt Islamic bank services. This study used 550 respondents from 26 provinces in Indonesia. The study develops a structural equation model (SEM) to achieve its purpose. The results show that attitudes, subjective norms, and perceptions of behavioral control affect people's interest in adopting Islamic banking services. Likewise, awareness, uncertainty, suitability, and relative advantage, affect the intention of the consumer to adopt Islamic banks' services. In contrast, religiosity does not affect community interest in adopting Islamic bank services. Further, normative beliefs affect subjective norms and self-efficacy, whereas facility conditions affect perceived behavior control of consumers' intention to adopt Islamic banking services. Attitudes, subjective norms, and perceived behavior control influence consumers' intention to adopt Islamic banking services. Accordingly, Islamic banks need to improve services to the public. Also, Islamic banks need to increase their understanding of religious religiosity to foster interest in adopting Islamic bank services