Analisis Faktor Penyebab Rendahnya Minat Masyarakat Memilih Produk Pembiayaan Pada Bank Syariah

Since 1992 Graphic development of  Syaria Bank in Indonesia continues to increase.  The increasing number of branches of Syaria Banks in all regions is an indicator. But if viewed from the type of financing offered by Syaria Bank, the public  interest especially the Muslim community to use it is low compared to conventional banks. People in the Islamic Higher Education environment, which became the focus of this research were more likely to use financial products in conventional Banks than Syaria Banks. There are several factors that cause the low public interest, such as environment, cost, product, process, competitors, personal trait (People), promotion, margin, Individual interests. From the results of the Confirmatory Factor Analysis test data indicate that each indicator or the forming dimension of each latent variable shows good and   in a unified dimension. That is, all these factors really affect the people’s decision not to choose the financinal products offered by Syaria Bank in Indonesia.Abstract Since 1992, the development graphic of Islamic Banking in Indonesia continues to rise. Increasing number of its Branch can be used as one of indicators. When it looked its financing models’ offered by Islamic Bank in Indonesia, the interest of Muslim society was lower compared to the conventional bank. People at the Islamic Higher Education, as focus of this study, showed that they preferred to use product of the Conventional Bank than Islamic Bank due to its several factors, such as the environment, cost, product, process, competitors, personal trait (people), promotion, margin, and individual interests. Based on the confirmatory factor analysis test, the data showed that each indicators or dimensions forming respective latent variables showed well and unidimensionalitas, which means that those factors have really influenced people to make decision in using financing product offered by conventional bank rather than Islamic Banking