THE INFLUENCE OF KNOWLEDGE, PERCEPTION AND ATTITUDE ON PUBLIC INTEREST IN USING SHARIA BANK FINANCING

Study on MSME Actors in Rappocini District, Makassar City

Abstract

This study aims to determine the influence of knowledge, perception, and attitude simultaneously on the interest in using financing at Islamic banks for MSMEs in Rappocini District, Makassar City. To determine the level of interest of MSMEs, the Regression Test, t-Test and Hypothesis Test methods are used. Based on the results of the simple linear regression test using the SPSS application, it is known that the significance value (Sig.) is 0.000. Therefore, the value of Sig. 0.000 <0.05 can be interpreted that knowledge (X1), perception (X2) and attitude (X3) influence the interest in using financing at Islamic banks (Y). The value of Sig. <0.05 can be interpreted that the variable X has a significant effect on the variable Y. Based on the results of the Analysis Paired Samples Test (t-Test) that has been carried out, it is known that the value of the knowledge variable (X1) Sig. (2-tailed) <0.05 is 0.000 <0.05 and the value of Perception (X2) Sig. (2-tailed) < 0.05, namely 0.004 < 0.05, has a significant influence on the variable of interest in using financing at Islamic banks (Y). Meanwhile, for the value of the Attitude variable (X3) Sig. (2-tailed) > 0.05, namely 0.958 > 0.05, it does not have a significant influence on the variable of interest in using financing at Islamic banks (Y). Based on this, it can be interpreted that the hypothesis in this study for H0 is rejected and H1 and H2 are accepted, meaning there is a significant influence between knowledge and perception of MSMEs on the interest in using financing at Islamic banks. Meanwhile, H3 is rejected and H0 is accepted, meaning there is no significant influence between the attitude of MSMEs on the interest in using financing at Islamic banks.