Analisis Penerimaan Pengusaha UKM Muslim Terhadap Institusi Perbankan di Kota Pematang Siantar

Abstract

This study aims to determine admission UKM Muslim against banking institutions in the Pematang Siantar city. This research is exploratory research so as not intended to test the hypothesis. The data used in this study are primary data. The sampling technique is done through accidental sampling with snowball sampling as many as 50 UKM Muslim. Methods of data collection using self administrated survey, by giving questionnaires. The analytical method used in this research is descriptive analysis method. The results of this study showed that the average UKM Muslimentrepreneurs who graduate each S1 as many as 20 people or 40% of total respondents. The number of respondents who never religious school that is 92% of the total respondents. The Javanese are the largest tribe opened a business in the City Siantar with a total of 68%. In addition, users of conventional banking services by 52% and the Islamic banks amounted to 36% of the total respondents. One factor businessman receiving conventional banks and Islamic banks is due affair easier and closer to the number of respondents as many as 13 people (50%) of 52% of total respondents who chose conventional banks. And factors businessman in the city of Siantar accept the existence of Islamic banks is due to avoid usury by the number of respondents were 9 people (50%) of 36% of total respondents who received Islamic banks.