Abstract
The banking industry in Indonesia is increasingly crowded with the emergence of banks operating under sharia principles. Although in general almost all banking products offered by Sharia banking and conventional commercial banks are relatively the same, in reality they both have different operational principles, especially in terms of efforts to obtain profits. In addition, the development between Sharia banking is not as expected given the population of Indonesia, which is predominantly Muslim. Sharia banking are far behind conventional banks. The aim of the research was to find out the perceptions of the people of North Sumatra on Islamic banking through surveys in 4 major cities namely Medan, Binjai, Langkat and Deli Serdang which were considered to represent the Muslim population in North Sumatra. This study used a quantitative descriptive survey and study . The survey is used to obtain a comprehensive picture of people's perceptions of Islamic banking in North Sumatra. Quantitative descriptive study, used to explore strategies and considerations used by Islamic banking to the community.The results of the study show that the three independent variables have an influence and it can be seen that the service variable is the main variable that contributes most to its relationship with the results of public perception on the two research objects on Banking.
Highlights
The banking industry in Indonesia is increasingly crowded with the emergence of banks that operate with Islamic principles or known as Islamic banks, in general almost all banking products offered by Islamic banks and conventional commercial banks are relatively the development of Islamic banking operational activities in Indonesia in its development began in 1992 since the establishment of PT
Based on the results of the study that of the three independent variables, it appears that the service variable is the main variable that provides the greatest contribution in its relationship with the results of public perception of the two research objects on Islamic Banking
Types of banks when viewed in terms of or how to determine prices, both selling prices and purchase prices are divided into two groups, The majority of banks that develop in Indonesia today are banks that are oriented to conventional principles, this because it is inseparable from the history of the Indonesian nation where the origin of banks in Indonesia was brought by the Dutch colonial (West)
Summary
The banking industry in Indonesia is increasingly crowded with the emergence of banks that operate with Islamic principles or known as Islamic banks, in general almost all banking products offered by Islamic banks and conventional commercial banks are relatively the development of Islamic banking operational activities in Indonesia in its development began in 1992 since the establishment of PT. The development of Islamic banking is slower than conventional banks. Sharia banking operations in Indonesia are based on Law No 7 of 1992 concerning Banking which was subsequently updated with Law No 10 of 1998 (Ismail, 2013). The emergence of Islamic banking in the national banking system is not merely accommodating the interests of the Indonesian population which happens to be mostly Muslim, it is not a guarantee but a real antithesis of the development of Islamic banking itself, which apparently tends to run slower than conventional banks (Cashmere, 2012)
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