Analysing of Determining Factors of Customers Decision to Choose Mudharabah Saving in Four BUMN Shariah Bank at Palembang

Abstract

Customers decision is a stage which customers have option to choose certain products or services. The purpose of this study was to analyze the trust, profit-sharing and conformity to shariah law to customers decision to choose mudharabah savings in four Islamic banks in Palembang. This research are expected to increase knowledge related to decisions making that can be seen from trust, profit sharing and conformity of sharia law. The Islamic banks which are used in this research are four shariah public company banks in Indonesia (Bank Syariah Mandiri, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah and Bank Tabungan Negara Syariah). The sample used in this research were 100 respondents by distributing questionnaires to all customers in four (4) Islamic banks in Palembang. The analysis used in this research were using multiple linier regression. The result of this research showed that trust, profit-sharing and conformity to shariah law have significant positive affect to customers decision to choose mudharabah savings in Islamic bank in Palembang. The practical implications for related parties and further researchers, it is hoped that this research can be used as a reference for choosing which variables are better used. This research is expected that further researchers can add more other variables, such as return on asset, current ratio etc.