Analysis of the Interests of the Nologaten Village Community in Using Sharia Bank Products in Ponorogo

Abstract

The community is interested in using Islamic bank products due to several factors that influence it. The Nologaten Village community with all its limitations, stated several reasons that caused their low interest in Islamic banks. The most dominant factors in this case are knowledge, product, location, environment and religiosity factors. The formulation of the problem in this case is how the interest of the Nologaten Village Community in using Islamic bank products is seen from these five factors. This study aims to determine how the interest of the people of Kelurahan Nologaten in using Islamic banks is seen from the five factors. The research used is a qualitative research with data obtained from the community of Nologaten Village using the source triangulation method, by combining data collection with observation and interview techniques. The data analysis technique used in this research is data analysis in the field using the Miles and Huberman model, namely data collection, data reduction, data presentation and the last step is drawing conclusions. The results of this study indicate that the five factors influence the interest of the people of Kelurahan Nologaten in using Islamic banks. The factors of the lack of knowledge of the people of Nologaten Village about Islamic banks, the lack of interest in the Nologaten Village of products offered by Islamic banks, the uneven development of Islamic banking locations that stand in Ponorogo City, as well as environmental factors and the religiosity of the Nologaten Village community that are not compatible with Islamic banks make the Nologaten Village community's interest in using banks sharia is low.