PENGARUH RELIGIUSITAS, PENGETAHUAN, DAN PERSEPSI TERHADAP MINAT PENGELOLA PONDOK PESANTREN AR-RAUDLATUL HASANAH DALAM MENGGUNAKAN PRODUK PERBANKAN SYARIAH

Macroeconomically, the development of Islamic banks in Indonesia has a great opportunity because of the wide market that is in line with the majority of Indonesia's Muslim population. Islamic banking requires a special strategy to increase public interest in using its products. Islamic boarding schools can be used as a priority because the growth of Islamic boarding schools is consistently increasing from year to year. This study aims to examine the variables of religiosity, knowledge, and perception simultaneously and individually influence the interest in the use of Islamic banking products in the payment of Islamic boarding schools in the Ar-Raudlatul Hasanah Islamic boarding school Medan. This research is a field research using a quantitative approach. Research data obtained from questionnaires using a Likert Scale. The collected data in the form of numbers are then analyzed using the SPSS application. This study has four conclusions, first is the religiosity variable is not in the direction of the interest variable shown by the significance value 0.905 > 0.05. Second, the knowledge variable is not in line with the interest variable indicated by the significance value of 0.348 > 0.05. The third is the perception variable in the direction of the interest variable indicated by the significance value of 0.016 < 0.05. Fourth, the variables of religiosity, knowledge and perception together have a unidirectional relationship with the interest variable indicated by a significance value of 0.000