Muchlis Yahya_abstract_1622012


Muchlis Yahya
Jurusan Ekonomi Islam Fakultas Syariah IAIN Walisongo Semarang
Jl. Walisongo 3-5 Jrakah Semarang, 50185.

Korespondensi dengan Penulis:
Muchlis Yahya: Telp. +62 24 760 6405



The objective of this study was to analyze interest factors toward customers’ saving behavior of shariah banking. Shariah banking customers were divided into Moslem customers that only saved money at shariah bank (n1), Moslem customers that saved money both in shariah and conventional banks (n2), non-Moslem customers (n3). This study used primary data through questionnaires distributed to 400 people gotten from 295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model. For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment to invest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developed relationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customers had rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showed that shariah banking customers were dominated by customers that had rational-economic character. The opening of disagreement about the bank interest which was not usury and which was supported by only some socio-religious organizations like NU and Muhammadiyah could be an important factor the growth of Islamic banking.

Key words: shariah bank, interest rate, emotional-ideology, rational-economic. 

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