Pengaruh Persepsi Terhadap Keputusan Nasabah Menabung Di Bank Syariah Kotamobagu Dengan Moderasi Riba

Abstract

Islamic banking was born from the demands of Muslims who want non-riba banking. The majority of the people of Kotamobagu are Muslim, but most do not use Islamic banking products. This study aims to determine the effect of perception on customer interest in saving in Islamic banks with riba moderation. Data were collected using a questionnaire. The research population is the customers of Bank Syariah Indonesia in Kotamobagu. The sample was determined using the accidental sample technique so that a sample of 30 customers was obtained. Data analysis used moderated regression analysis. The study found that the understanding of riba strengthens customers' interest in saving at the Kotamobagu Islamic bank. Therefore, it is recommended for Islamic banking to increase the socialization of Islamic banking products and public understanding of riba