The Influence of Bank Reputation and Sharia Compliance on Public Interest in Using Sharia Financing Products at Bank Syariah Indonesia KCP Stabat

Abstract

This study was conducted to determine the extent of the influence of bank reputation and sharia compliance on public interest in using sharia financing products at Bank Syariah Indonesia KCP Stabat. The phenomenon of increasing public awareness of the importance of conducting transactions in accordance with sharia principles has led to demands that sharia banks not only excel in service, but also maintain their reputation and adhere to Islamic values. This study used a quantitative method by distributing questionnaires to 93 respondents who were customers and prospective customers of Bank Syariah Indonesia KCP Stabat. The data collected was primary data processed using statistical software. The variables studied included bank reputation and sharia compliance as independent variables, and public interest as the dependent variable. The results of the validity and reliability tests indicate that all questions in the questionnaire are valid and reliable. Data analysis using multiple linear regression shows that both bank reputation and sharia compliance have a significant effect on public interest, both partially and jointly. The coefficient of determination value indicates that 22.9% of public interest is influenced by these two variables. Thus, it can be concluded that a good reputation and compliance with sharia principles are important factors in attracting public interest, so Islamic banks need to continue to improve their services and maintain public trust.