Impression of Student Knowledge on Decisions Become a Customer of Islamic Banks

The purpose of the study is to determine the impression / influence of students' knowledge on the decision to become a customer of Islamic banks. This study uses a quantitative descriptive study with pourposiive samples of 50 VII semester students of the Department of Development Economics, Faculty of Economics and Business, Muhammadiyah University, Makassar. Data collection techniques are observation and questionnaires while data analysis techniques are using simple linear regression analysis. The results showed that students' knowledge had a positive and significant effect on the decision to become a customer of a Sharia Bank.

However, apart from student knowledge, there are other factors that are thought to be contextual that influence the decision to become a customer of a sharia bank, namely the support of Hedayatnia (2011) ;Istiqomah, (2015) Latip, et al (2017; Albashir, 2018. Literature on the decision to become a customer of a sharia bank discusses the existence of contestual factors that shape students to become customers at Islamic banks, including services, marketing strategies.
Therefore, this study aims to test the impression of student knowledge on the decision to become a customer of Islamic banks, so that it is expected to provide empirical input for the development of more concrete student knowledge in order to encourage students to prefer to save in Islamic banks.
The contribution of each of the research journals that have been previously mentioned is in the context of being a material for compiling a start of the art, which is related to a collection of theories, and references either supporting or not supporting research. The several journals that were collected were intended to make the research carried out to be solid, because the content contained in each journal could be used as a reference.
There have been many studies examining the decision to become a customer / customer of Islamic banks, but each place certainly has its own characteristics related to this theme. In addition, the focus of the problems studied is related to the decision to become a customer / customer of Islamic banks which has not been widely implemented by previous researchers. From several journals that have been mentioned, it can be seen that there is nothing specifically discussing the impersion of student knowledge on the decision to become a customer of Islamic banks.
Thus, it can be concluded that the research to be carried out is relatively new and has not been much done by previous researchers.
Student knowledge consists of information already stored in memory. Marketers are very interested in understanding and understanding student knowledge. The information held by students about products or services will greatly influence the purchasing patterns of these students. According to Philip Kotler with the translation of Hendra Teguh, and Ronny A Rusli and Benyamin Molan (2000) states that: "Knowledge is a change in the attitude of an individual that comes from experience." Students have different levels of outcome knowledge, which can be used to interpret new information and make decision choices.
According to Kotler (2000) purchasing decisions are actions taken by consumers to purchase a product. Therefore, consumer decision making is a process of selecting one of several options for solving the problem with a real follow-up. After that consumers can evaluate alternatives and then can determine the attitude taken for the next.
Student decisions arise because of an objective assessment or due to emotional impulses. Decisions in action are derived from a series of activities and mental and emotional stimuli. A complicated decision often involves a number of decisions containing alternatives between two or more options. Decisions often require alternatives between a number of different attitudes. (Nugroho J Setiadi, 2003).
The definition of Islamic banking is included in Law no. 21 of 2008. In the law regarding Islamic banking, it is written: "Sharia banking, namely all matters relating to Sharia Banks and Sharia Business Units, institutional scope, business methods and activities, as well as the processes for conducting their business activities". In avoiding the implementation of banks in the interest system, Muslims introduced the Islamic muamalah principle. Thus, Islamic banking was born to be an alternative alternative solution to the problem of conflicting bank interest among usury. So with this, the longing of Muslims in Indonesia who want to escape from the problem of usury has received the answer to the birth of this Islamic bank.
Based on the literature review above, a research model was developed in the following chart: Based on the framework in the theoretical study mentioned above, a hypothesis is formulated which will be tested in this study. Students' knowledge affects the decision to become customers in Islamic banks.

METHODS
This type of research is quantitative research, which is located on the campus of the University of Muhammadiyah Makassar, Faculty of Economics and Business, Department of Economic Development, Jalan Sultan Alauddin No. 259 Makassar, with a population of 235 people, namely the whole subject of a study. The research sample consisted of 50 people who were selected by means of a pourposive sample, namely in taking the sample the researcher chose the population based on criteria, namely active students, already sitting in semester VII, having attended lectures on Islamic banking, having active savings.
To collect the data needed in this study is observation, that is, the researcher directly observes the research location to obtain data and information that is appropriate to the problem to be studied. Questionnaire (questionnaire), namely a list of questions distributed or given to respondents.
In this study, the questionnaire was used to obtain data on the influence of student knowledge on the decision to become a customer / customer of Islamic banks using simple linear regression analysis to determine the effect of student knowledge (X) and the decision to become a customer of Islamic banks (Y) with the following mathematical equation: Y = a + bX, Where: Y = Decision; a = Constant; X = Student knowledge; b = regression coefficient

RESULTS AND DISCUSSION
In this study, the proportion of the respondent's identity is the respondent group according to gender can be seen in the following  Table 1, is a description of respondents according to gender which shows that female respondents have a higher proportion of status, up to 27 (54.0%), while men are up to 23 (46.0%), so it can be concluded that students of the Department of Development Economics in the semester VII is more dominated by women than men.
The description of the respondent's identity is based on the length of time using Islamic banking products, as shown in the following table: According to Table 2, it can be seen that the average time for respondents to use Islamic banking products in the last three years is 19 or 38%, which means that most students who use or choose Islamic banking products are on average 3 years.
Hypothesis testing in this study aims to prove the proposed hypothesis whether the knowledge of Development Economics students regarding Islamic banking has an impact on the decision to become a customer of Islamic banks with the results of simple regression analysis. The results of the analysis, namely the knowledge obtained t-count value of 2.589 and t-table 1.984 with a significance level of 0.011; because t-count> t-table (2.589> 1.984), the significance is smaller than 0.05 (0.011 <0.05), and the regression coefficient has a positive value of 0.218; then the hypothesis which states that "student knowledge has a positive and significant impact on the decision to become a customer of Islamic banks" is proven.

Discussion
The results of this study indicate that students' knowledge of Islamic banking has a positive and significant impact on the decision to become customers of Islamic banks. This research supports the opinion of Apena Hedayatnia (2011), Arniati (2017) (2018) stated that students 'knowledge of Islamic banking is intended to change students' thinking from not understanding Islamic banking to understanding Islamic banking. Thus, students' knowledge about Islamic banks is expected to be able to encourage the intention to make decisions to save in Islamic banks. The researcher shows the results of his research that students' knowledge of the decision to become a customer of a sharia bank is significant or has a significant effect, this is in line with the results of research by Budi Setiawan (2012) and M. by factors of knowledge, service, product, promotion, place, and distribution. Oriesta Dhea Budi Utamy et al (2019) also found that knowledge, promotion and facilities of Islamic banks have a positive and significant effect on the decision to save at Islamic Banks.
Savings interest can mediate knowledge, promotion, and Islamic banking facilities regarding the decision to save at Islamic Bank. Paul Anthony Mariadas et al (2017), with the results of their research, namely two factors that influence the adoption of Islamic Banking in Malaysia, which are consumer knowledge and customer satisfaction. This shows that the courses they receive during their lectures affect their thinking and thus choose to become customers who generally become customers of Islamic banks. In addition, the marketing of Islamic banks will increase. This will show that the trust of Islamic banks will be assessed better among the public, especially all students. If public trust in Islamic banks increases in value, then the justice-based Islamic business system will have a great opportunity to be realized immediately.
Every student who has knowledge of Islamic banking will influence the decision process to become a customer of an Islamic bank because the stronger the characteristics a person holds, the more difficult it is to change it, or the less influence of knowledge on customers, the smaller the decision to become a customer of Islamic banks. Customers who have insufficient inherent knowledge will easily be influenced by foreign characteristics.
This study is not in line with Ugur Ergun et al (2010) with the results of the study showing that general knowledge about Islamic banking is low. The perception of Islamic banking is not positive. Also the results show that religion is the most influential determining factor in choosing Islamic banking.

CONCLUSION
Knowledge of Development Economics students on the decision to become customers of Islamic banks has a positive and significant effect. This is evidenced by the regression coefficient of 0.218, the t-count value is greater than the t-table (2.589> 1.984), and a significance value of (0.011 <0.05). The influence of student knowledge to become customers of Islamic Bank in the city of Makassar should be further enhanced by means of more effective promotions, for example promotion on social media, socializing differences in interest rates with profit sharing, and improving the quality of service available resources, increasing convenience and availability of facilities. infrastructure, carry out promotional programs more intensively.
The implication of this research is to obtain a formulation that increases in decision making to become customers of Islamic banks by increasing student knowledge on an ongoing basis. The findings of this study reinforce the theories so that students will acquire and develop knowledge, attitudes, values and skills about Islamic banking that are beneficial to social life. The expected results of the research are: a). As a material for scientific information in syariah science, especially in the field of Islamic banking analysis, one of which is in the field of analysis. The influence of knowledge of students of the Development Economics Department on saving at Islamic banks. b). As material for scientific studies to add to the treasures of scientific development at the Muhammadiyah University of Makassar library. c). As information material for further researchers who want to examine the problems of Islamic banking with different aspects.
The research that was carried out was flawed because there were several limitations, including the content, the concept, the focus of the problem and the location of the research and the researcher only used one independent variable and the dependent variable, so with the limitations of these variables it is expected that the next researcher will use more than one independent variable. and using methods other than those used by researchers.