THE INFLUENCE OF RELIGIOUS QUALITIES AND AWARENESS OF SUBJECTIVE NORMS OF MADURANIAN MUSLIM ENTREPRENEURS ON THE INTEREST IN USING SHARIA BANK WITH OBEDIENCE TO KYAI AS A MODERATION VARIABLE

Abstract

The majority of the Madurese Muslim population makes kyai the main axis in determining decisionmaking on various matters. The influence of kyai varies depending on their genealogical origins(hereditary), depth of religious knowledge, personality, loyalty to the people, and other supporting factors.In this case, even the interest in using sharia financial institutions does not escape the role of a kyai. Itis not uncommon to find many Madurese Muslim entrepreneurs who generally have an understanding ofIslamic banking knowledge, but there are still few who use Sharia Banks as a place to store money andmake transactions. The aim of this research is to test whether there is an influence between religiousquality (religiosity) and subjective norms on interest in using Sharia Banks with obedience to kyai as amoderating variable. The object of this research is Madurese Muslim entrepreneurs. The samplingtechnique uses random sampling with the Slovin formula. The data collection technique uses aquestionnaire. The data analysis techniques used are descriptive statistical analysis and ModeratedRegression Analysis (MRA). The results of the analysis show that the moderating variable The Role ofthe Kyai is a variable that moderates the influence between the predictor variable and the dependentvariable where the moderating variable interacts with the predictor variable without becoming a predictorvariable.Keywords:Interest in Using, Religious Quality, Subjective Norms, Role of Kyai, Sharia Bank.