FACTORS AFFECTING THE PREFERENCE OF PAROKI TO SAVES IN ISLAMIC BANKS

Islamic Banking is a new financial institution that plays significant role in Islamic finance system. This system emerges to meet society's demand to establish banking finance in order to facilitate muslim community in their saving. The Islamic system in the Islamic Banking however has been designed to serve both Muslims and Non-Muslims. There are many factors that trigger Non-Muslim to save their money in Islamic Banks, thus here the author use 4 independent variable (product, existence, reputation, and profit sharing) as the instrument to measure the dependent variable (interest). This is a quantitative research based on questionnaire and interview as the data collection using 100 respondent as the sample of this research. Therefore this research basically uses multiple linear regression, classical assumption test, and hypothesis test. Spss is applied as the analysis tools to process and analyze the sample. The research finding shows that product and reputation partially have a positive significant affect toward preference while existence and profit sharing donnot affect the preference. But simultaneously these 4 independent variables (product, existence, reputation, and profit sharing) together can affect dependent variable (preference) as much as 35,3% while the rest 64,7% is affectd/explained by other variable outside this study