The Influence Of Profit-Sharing Rates And Promotion Of Prime IB Hijrah Savings On Customer Decisions Saving In Bank Muamalat Ponorogo

Abstract

Islamic banks are a financial services industry based on sharia principles, where the majority of Indonesians choose Islamic banks to carry out transactions based on sharia elements and are supported by maximum promotion, savings with mudharabah contracts that have a good profit sharing rate can influence customer decisions in choosing these savings. Promotion is an important essence for the survival of a business entity, as well as profit sharing on mudharabah savings in Islamic banks.  This study aims to determine and analyze the effect of profit sharing rates and promotions on customer decisions to use ib hijrah prima savings. This research is a quantitative study with a sample of 91 respondents of IB Hijrah Prima savings customers of Bank Muamalat Ponorogo. This research uses saturated samples. The data collection technique used a questionnaire. Data testing is assisted by SPSS software version 25. The data analysis technique used is the data quality test, classical assumption test, multiple linear regression analysis, hypothesis testing. The results of this study are profit sharing rate and IB Hijrah Prima savings promotion simultaneously affect customer saving decisions at Bank Muamalat Ponorogo. This is evidenced by the results of the F test which is greater than the f table value.