Pengembangan Ilmu PengetahuanTeknologi dan Seni

Abstract

This article try to explain the adoption innovation phenomenon of sharia banking in Surakarta, especially for small scale enterprises in Surakarta. This paper try to investigate some factors that are predicted stimulate the owners of small enterprises to adopt or not to adopt the sharia banking. Those factors were principle of religion about interest,profit sharing, financial risk, cost of fund and banking facility. Research suggest that there were no significant impact of all factor except profit sharing. To measure how they would adapt we tested by several factor of Rogers model such as relative advantage, compatibily, complexity, trialibility, and observability. The result showed that this innovation could be have an relative advantage and compatibity, had significant effect to adoption of innovation but not for three others factors.To test the hyphotesis we use regression analysist, crosstabulation and chi-square statistic.