The Influence Of Sharia Bank Products On Interest In Saving With Community Perception As A Moderating Variable

Abstract

This study aims to determine the products of Islamic banks, especially in the district of Pati City on the interest in saving by using public perception as a moderator. The research method used is descriptive quantitative, the population is Sharia Commercial Bank customers (BRI Syariah, BNI Syariah, Mandiri Syariah, Bank Jateng Syariah, Bank Muamalat) located in the district of Pati City. The research sample is people who make transactions at Islamic Commercial Banks totaling 100 respondents with quota sampling technique. The analysis method uses the MRA (Moderating Regression Analysis) test. The results of the study show that Islamic bank products in microfinance institutions, especially in the Kota Pati sub-district, have an impact on the community, this proves that the products (savings) of microfinance institutions have benefits for customers or the community. Meanwhile, public perception can be a moderating variable, because Commercial Banks are able to provide education to the public that the product is free from the element of usury.