Students’ Perceptions of Islamic Banking: Evidence from MTA Students in Surakarta
Keywords:
Student’s Perceptions, Islamic Banking, MTA Students, Surakarata.Abstract
This study aims to examine the perceptions of students of the Al-Qur'an Interpretation Council (MTA) towards Bank Syariah Indonesia (BSI) and the factors that influence them, using a qualitative approach through interviews. The results show that perceptions of Islamic banks are strongly influenced by religious factors (as an effort to avoid usury) and direct guidance from the central leadership of MTA (Ustaz Nur Kholid Syifaullah). However, there is a dynamic between religious idealism and practical needs. MTA members utilize BSI for national-scale transactions (such as donations and infaq) because the internal cooperative is not yet able to accommodate these needs, although some students and MTA members still have limited understanding of Sharia contracts and are skeptical of claims of full Sharia compliance. These findings emphasize the importance of strengthening Sharia financial literacy and education among students in religious communities.
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