PENGARUH PENGETAHUAN MAHASISWA ATAS PRINSIP BAGI HASIL DAN BUNGGA TERHADAP MINAT UNTUK BERGABUNG DIBANK SYARIAH (STUDI KASUS MAHASISWA PERBANKAN SYARIAH UNIKS)

Abstract

This research is motivated by the development of Islamic banking which is currently quite fast and has received a positive response from the community, one of which is UNIKS Islamic banking students. Students' interest in Islamic banks is by studying and using the products available in Islamic banks. By distributing questionnaires, the researchers found that students' knowledge of the principle of profit sharing and interest was quite good.

This study aims to analyze the effect of student knowledge on the principle of profit sharing and interest on interest in joining Islamic banks (case study of UNIKS Islamic banking students). The population in this study were Islamic banking students from 2016-2019, amounting to 159 people. And the author only took 61 people as a sample. The sampling technique was incidental sampling. And data collection techniques used are observation, interviews, questionnaires and documentation. Data were analyzed descriptively quantitatively through data quality test, classical assumption test, multiple regression analysis, hypothesis testing and determination coefficient test using the IBM SPSS Statistics V.20 application.

From the results of this study, it can be concluded that the variables of profit sharing knowledge and interest knowledge simultaneously have a positive and significant effect on interest in joining Islamic banks. From the two variables, it can be partially stated that they have a positive and significant influence on interest in joining Islamic banks.