ANALYSIS OF PROFIT-SHARING KNOWLEDGE AND BANK INTEREST ON UNDERSTANDING OF SHARIA BANKING OPERATIONAL MANAGEMENT AND ITS IMPLICATIONS FOR SAVING STUDENTS IN SHARIA BANKING

Abstract

The sharia banking practitioners' anxiety is that the growth of sharia banking assets has not moved, even though the majority of Indonesia's population is Muslim, supported by many Islamic religious colleges. Penetration of sharia banking is still low, where the market share of sharia tires in Indonesia, which is around 5, 95% in June 2019 including after the conversion of conventional commercial banks into Islamic banks, not because of organic growth(OJK,2019). This is far from expectations when viewed from the largest Muslim population in this world. The purpose of this study was to determine the effect of knowledge sharing, and interest knowledge on the interests of customers saving in Islamic banks, with operational management of Islamic banks as mediating variables. Research using quantitative methods with research data using secondary data. The sample of this study was 108 respondents drawn from 6 tertiary institutions in West Java and Central Java. Data analysis using structural equation modelling analysis with the help of AMOS 21 software. The results of the analysis concluded that the knowledge sharing proves to influence the operational management of Islamic banks, interest knowledge is proven to affect the operational management of Islamic banks, operational management of Islamic banks is proven to influence the interests of customers saving at the bank sharia, profit sharing knowledge is proven to have an influence on customers 'interest in saving at an Islamic bank, and interest knowledge is not proven to have an influence on customers' interest in saving at an Islamic bank.