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Analysis of Public Perception Toward Decision In Using Sharia Financial Product Institution (Case Study of Kelapa Sub-Distric West Bangka)
Goal : This thesis aims to analyze: 1. The Effect of Financial Literacy on Public
Decisions in Using Islamic Financial Institution Products (Islamic Banks, BPRS,
and Sharia Insurance). 2. The Influence of Religiosity on Public Decisions in
Using Products of Islamic Financial Institutions (Islamic Banks, BPRS, and
Sharia Insurance). 3. The Influence of Location on Community Decisions in
Using Products of Islamic Financial Institutions (Islamic Banks, BPRS, and
Sharia Insurance). 4. The Influence of Interest People on Public Decisions in
Using Islamic Financial Institution Products (Islamic Banks, BPRS, and Sharia
Insurance).
Methode :This research uses descriptive quantitative research. The technique
used in sampling is using the slovin formula which produces a total of 100
respondents who live in Kelapa District. The data analysis technique uses
Multiple Linear Regression with Classical Assumption Tests such as Normality,
Heteroscedasticity, Multicullinearity, and Hypothesis Testing. Data Collection
Techniques, namely by distributing Questionnaires Online via Google Form.
Fact/Finding : The results found in this study are (1) Financial Literacy does not
have an influence on Public Decisions in using Islamic Financial Institution
Products. (2). Religiosity has a positive influence on the public's decision to use
Islamic financial institution products. (3). Location Has no influence on the
public's decision to use Islamic financial institution products. (4) Interest People
have a positive influence on Public Decisions in using Sharia Financial Institution
Product
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