Analysis of Factors Affecting Consumer's Behavior on Syariah Banking Products

Abstract

This research is aimed to describe the behavior of consumers against the products of Islamic banking in Pekanbaru, and based on the data gathered, it was not in an optimal achievement. The products of Syariah banking are, among others but in this research only Mudharabah, Musyarakah, Murabaha, Ijarah, Istisna, Salam and others. The method used in order to collect data was by conducting survey. The questionnaire used in data collection with the sample of 100 respondents from two banks in Pekanbaru, i.e. Muamalat Bank and Syariah Mandiri Bank using proportional random sampling techniques. Data was analyzed by multiple linear regression n technique. The research shows that out of the four factors it was found that only three variables were turned out to be significant, namely the characteristics of the bank, the system of sharing and the quality of service, whilst the other was not, because the product offered has not been widespread, and thus people were not familiar with.