The Effect of Education and Literacy of Tanjung Lombok Utara Community toward Decision to Use Bank NTB Syariah

Abstract

Purpose - The purpose of this study was to determine the effect of education and literacy of the Tanjung North Lombok community on the decision to use Bank NTB Syariah products.

Methods - The type of research used is quantitative research. The population in this study were the people of Tanjung District, North Lombok Regency. The sample in this study amounted to 100 people and sampling using purvosive sampling technique.  The data collection technique uses a questionnaire with a Likert scale that has been tested and meets the validity and reliability requirements. The multiple linear regression in this study was used to analyze the data.

Results - Based on the results of the t test, the significance value of education is 0.000 <0.05 and the value (t count) 3.991> 1.984, this indicates that the education variable of the Tanjung Lombok Utara community partially affects the decision to use Bank NTB Syariah products and based on the results of the t test, the significance value of literacy is 0.000 <0.05 and the value (t count) 3.944> 1.984 (t table), this indicates that the literacy variable of the Tanjung Lombok Utara community partially affects the decision to use Bank NTB Syariah products. Education and literacy of the Tanjung North Lombok community simultaneously have a positive influence on decisions to use Bank NTB Syariah products. This can be proven by a significant value of 0.000 <0.05 and a value (F count) of 43.385> 3.09 (F table).

Practical Implications - Based on the findings, researchers provide innovations in the development of education and literacy in increasing the number of users of NTB Syariah banks.

Novelty - This research took place in Tanjung District, North Lombok, precisely in the area of the Tanjung branch of the NTB Sharia bank office. This research provides knowledge about the importance of NTB Syariah bank to improve education and literacy to the community, especially the people of Tanjung sub-district, North Lombok so as to create a decision to use NTB Syariah Bank products.