PERSEPSI MASYARAKAT MUSLIM TERHADAP KE”SYARIAH”AN BANK SYARIAH DI INDONESIA

Abstract

Indonesia is a country with the largest muslim population in the world. According to Statistics
Indonesia (Badan Pusat Statistik, abbreviated as BPS), 87% of 258,7 million citizens of
Indonesia are muslim. Despite having 87% of Indonesian citizen as muslim, many muslims in
Indonesia are still reluctant to choose sharia banking over conventional banking. One of the
most prominent reason is the perception that sharia banking has not fully complied to the
principle of sharia. Research has been conducted to prove such perception using logit method
which involved 200 respondents from Jakarta. The result shows that 66% of respondents who
are the customers of sharia bank are not convinced that sharia bank conforms to a high level of
sharia requirements or consistent with the principles of Islamic law (sharia). Furthermore, 65%
of respondents who are the customers of sharia bank do not actually have much knowledge
about sharia banking. Therefore, the perception that sharia banking has not fully been a shariacompliance
system is based on the fact that many of sharia bank?s customers do not have much
knowledge about sharia banking. In addition, the result from logistic regression shows that
substantial understanding about Fiqh Muamalat and level of religiousity are two factors that
influenced the customers in their choice of sharia bank with percentage of 5% and 1%
respectively.