The Influence of Understanding Profit-Sharing and Knowledge of Usury on The Decision to Become a Customer of Bank 9 Jambi Sharia

Suci Wulandari; Efni Anita; Eri Nofriza

doi:10.63922/ijebir.v5i06.6927

Suci Wulandari Sharia Banking Study Program, Sultan Thaha Jambi University, Jambi, Indonesia
Efni Anita Sharia Banking Study Program, Sultan Thaha Jambi University, Jambi, Indonesia
Eri Nofriza Sharia Banking Study Program, Sultan Thaha Jambi University, Jambi, Indonesia

DOI: https://doi.org/10.63922/ijebir.v5i06.6927

Keywords: Understanding Profit Sharing, Knowledge of Usury, Decision to Become a Customer

Abstract

This research aims to find out the influence of the understanding of profit sharing and knowledge of riba on the decision to become a customer of Bank 9 Jambi Sharia in Jambi City, both partially and simultaneously. This research uses a quantitative approach with data obtained through the distribution of questionnaires to 99 respondents. Data analysis techniques include instrument testing, classical assumption testing, multiple linear regression, t-test, F-test, and coefficient of determination with the help of SPSS version 25. The results of the research show that the understanding of profit sharing has a positive and significant influence on the decision to become a customer, with a t value of 6.912 and a significance of 0.000. Knowledge of usury also has a positive and significant influence on the decision to become a customer, with a t value of 5.207 and a significance of 0.000. Simultaneously, the two variables have a significant influence on the decision to become a customer, with an F value of 74.073 and a significance of 0.000. The Adjusted R Square value of 0.599 shows that the understanding of profit sharing and knowledge of usury can explain 59.9% of the variation in the decision to become a customer, while 40.1% is influenced by other factors outside of the study.

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