Consumer Perceptions of Syariah Bank and Location (An Overview of Merchants Interest in Choosing Microfinance Financing for Syariah Banking in Bireuen District)

Abstract

This study aims to determine consumer perceptions about syariah bank and location reviewed from the interest of merchants choosing micro business financing in sharia banking in Bireuen regency. Data collection method used in this research is survey using questionnaire. The sampling technique used cluster and sampling method. The population of this research is all traders of micro business located in 17 sub districts in Bireuen Regency which amounted to 2101 traders and samples of 100 traders that is an average of 5.9 per kecamatan. The result of research shows that consumer perception about syariah bank and location shows positive and significant influence, so that traders are interested in choosing micro business financing in syariah banking in Bireuen District.

Profitability Review of Islamic Banks in Indonesia

“…In order to maintain and increase the profitability and growth of Islamic banking in Indonesia, various strategic steps need to be taken. This includes developing innovative products and services, strengthening sharia banking governance, increasing the capacity of human resources who master sharia principles, cooperation between sharia banks, and strengthening regulation and supervision (Hamdani et al, 2019).…”