This study aims to determine the effect of promotion, knowledge and trust on people's interest in saving at Bank Syariah Indonesia KCP Singkut. This study uses quantitative methods by obtaining primary data from questionnaires by taking as many as 86 respondents. The results of the t-test showed that the promotion and trust variables had a significant effect, while the knowledge variable had no significant effect. The results of the F-test stated that promotion, knowledge and trust had a significant effect on saving interest together. The coefficient of determination from promotion, knowledge and trust is 28.4% towards people's interest in saving. Based on this results, Islamic banking can make a combination of promotion and education wrapped in a religious agenda to increase the interest of the people of Pelawan Jaya Village to use the services of Indonesian Sharia banking.
Social change as a result of cultural dynamics often leads to friction in society. Islam as a universal religion with specific guidance based on the Quran and hadith has the role of scholars to translate the socio-cultural transformation in the form of fatwa. This research explains the role and influence of fatwa MUI on socio-cultural change in Indonesia refers to 47 fatwa MUI in socio-cultural field. Descriptive-qualitative method with deepening of literature study on socio-historical approach is used to answer the questions above. The result, there are 8 causes of socio-cultural change in Indonesia, namely the way of thinking, population growth, interaction with other communities and nations, new discoveries, technology, disasters and conflicts in the community. Although the law position of fatwa is not binding, some of its influence are quite significant such as the people involvement in the program KB, the development of sharia financial, and the correction to aqidah of ummah in the face of Christmas. –(Perubahan sosial sebagai hasil dinamika budaya sering menimbulkan gesekan di masyarakat. Islam sebagai agama universal dengan panduan spesifik berdasarkan Quran dan hadis memerlukan peran ulama untuk menerjemahkan transformasi sosio-kultural dalam bentuk fatwa. Penelitian ini menjelaskan peran dan pengaruh fatwa MUI terhadap perubahan sosio-kultural di Indonesia mengacu pada 47 fatwa MUI di bidang sosio-kultural. Metode deskriptif-kualitatif dengan memperdalam studi literatur tentang pendekatan sosio-historis digunakan untuk menjawab pertanyaan di atas. Hasilnya, ada 8 penyebab perubahan sosio-kultural di Indonesia, yaitu cara berfikir, pertumbuhan penduduk, interaksi dengan masyarakat dan bangsa lain, penemuan baru, teknologi, bencana dan konflik di masyarakat. Meski posisi hukum fatwa tidak mengikat, beberapa pengaruhnya cukup signifikan seperti keterlibatan masyarakat dalam program KB, pengembangan keuangan syariah, dan koreksi terhadap aqidah ummat saat menghadapi natal.)--
The purpose of this paper is to analyze the potential of Islamic municipal bonds in Indonesia focused on its constraint and strategy using Analytic Network Process (ANP). Methodology proceeded by literature research to construct a model and in-depth interview with practitioners and regulators both on government and sharia perspective to fully understand and develop an appropriate ANP Network. The experts are divided into two categories as direct relation and non-direct relation experts. The constraints are divided into five nodes, they are political risk, trust between stakeholders, lack of sharia knowledge, law constraint and risk of municipal loan. While the strategies contain of building trust, sharia education, comprehensive law basis, market strategy, and strategy of product innovation. Islamic municipal bonds may be developed by implementing comprehensive law basis as primary strategy to provide the need of law basis as main constraint. Both main constraint and strategy are agreed by all experts except BPK which is more concern in risk of municipal loan.
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