Perception, Preference and Attitude of Nahdlatul Ulama and Muhammadiyah Committee toward Islamic Bank in Indonesia

Hamdan Yuafi, Lailatu Dhilkhijjah, Siti Solikhah


This research is conducted among Islamic non-governmental organizations;
those are Nahdlatul Ulama and Muhammadiyah. This research aims to
determine the perception (X1), preference (X2), and attitude (X3) of Islamic
mass organizations or non-governmental organizations in Indonesia toward
Islamic Banking and their decision (Y) of using the products of Islamic
Banking or Islamic Financial Institutions. We took Branch Board of Nahdlatul
Ulama (PCNU) and the Regional Committee of Muhammadiyyah (PDM)
Salatiga as population. The sample in this research is 33 respondents. The
techniques used are multiple regression analysis and independent sample ttest.
Regression result shows that the preference variables have positive  and significant effect on customer’s decision variables. While the perception
and preference variables do not have a positive and significant effect on the
decision in becoming customer. And the adjusted R square or determination
coefficient valued 0.690, which means that 69.0% of dependent variable
(Y) is affected by the independent variable (X), while 31% dependent variable
(Y) is influenced by other variables outside the equation. And the last, independent sample t-test shows that there is no significant difference
between PCNU and PDM Salatiga in their perception, preference, attitude
and decision toward Islamic Banking 


Perceptions; Preferences; Attitudes; Decision

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MUQTASID Jurnal Ekonomi dan Perbankan Syariah UIN SALATIGA p-ISSN: 2087-7013, e-ISSN: 2527-8304