Daftar Isi:
  • Santri PERSIS Putri Bangil have already studied the fiqh about riba, and they should have known about the rule of riba, in fact there are a lot of santri that have not use the sharia banking. Therefore this research aims to determine the factors that influence Santri PERSIS Putri Bangil on not using sharia banking. This research is a quantitative study. The respondent of this research is 55 female students of PERSIS Putri Bangil. Data collection techniques include questionnaires and documentation. The research sample collection uses purposive sampling. Using data analysis which is multiple lineae regression. The results of the study are consumer behavior, religiosity, location, and product knowledge factors are all affect the student of PERSIS Putri Bangil decision who have not used Islamic banking with a significant value of 0,000 <0.05. And the coefficient of determination (R2) valued of 0.916.