No abstract

This study aims to identify and analyze the factors that influence the ethnic Chinese community to save at Islamic banks in North Sumatra. The factors of service quality, promotion, and profit-sharing ratio are the chosen factors to determine the factors of the ethnic Chinese community-saving at Islamic banks. The types of data used in this study are primary data and secondary data. Primary data was obtained by distributing online questionnaires to Chinese customers in North Sumatra, while secondary data was obtained through literature studies, the internet, banks, and other media. The research sample was 261 respondents. The method of analysis used is a descriptive qualitative analysis using the SPSS version 22.0 program. The study results and discussion show that the factors of service quality, promotion, and profit-sharing ratio have been assessed as useful and attractive to respondents. Thus it can be concluded that these factors affect the Chinese community of North Sumatra to save in Islamic banks.