Journal of Creative Power and Ambition (JCPA)
Vol. 4 No. 02 (2026): Journal of Creative Power and Ambition (JCPA)

The Influence of Public Perception on Interest in Using Financing at Sharia Banks

Dedeng Sehabudin (STAI Siliwangi Garut)
Asep Nursiwan (STAI Siliwangi Garut)
Dea Permanasari (STAI Siliwangi Garut)
Keuis Hera Susanti (STAI Siliwangi Garut)



Article Info

Publish Date
19 Sep 2026

Abstract

This study aims to analyze the influence of public perception on the interest in using financing services from Sharia banks in Salawu Village. A quantitative approach was employed, with data collected via questionnaires and analyzed using IBM SPSS Statistics 25 software. A saturated sampling technique was used, meaning the entire population served as the sample. The study involved 46 respondents from Salawu Village who had previously used or were currently using Sharia bank financing. Data analysis included validity testing, reliability testing, classical assumption testing, simple linear regression analysis, and hypothesis testing. The results indicate that public perception has a positive and significant influence on the interest in using Sharia bank financing. The coefficient of determination (0.598) reveals that public perception explains 59.8% of the variation in interest regarding Sharia bank financing, while the remaining 40.2% is influenced by factors outside the scope of this study, such as service quality, religiosity levels, promotion, public knowledge, trust, and economic conditions. These findings suggest that improving public perception of Sharia banks can foster greater public interest in utilizing their financing products.

Copyrights © 2026






Journal Info

Abbrev

jcpa

Publisher

Subject

Economics, Econometrics & Finance

Description

Journal of Creative Power and Ambition (JCPA) (E-ISSN 3031-4054) is a blind peer-reviewed journal published by Edujavare Publishing, Indonesia. This journal publishes research articles, conceptual articles, field study reports and book reviews on all scopes of Business Innovation and Creation, ...