4
PART TWO : METHODOLOGY 2.1. Data Collection
Primary and secondary data were collected in this study. The primary data collection was done through interview with the respondents to information about the potency and
preference of the society and economic players or agents to syariah banks. Identification of characteristics and behavior of customers or prospecting customers was done through
focus group discussion and in-depth interview. The focus group discussion was also attended by banks officials from both syariah banks and conventional banks.
The secondary data were collected from several sources such as government agencies, banks, Central Body of Statistics, Regional Government, and other relevant institutions
in connection with the identification of social and economic potency as well as economic activities in the research areas.
2.2. Sampling Technique Among 40 counties and municipalities in the two provinces, 15 counties and
municipalities were selected as region samples, based on 1 Islamic religion and 2 economic potency. Indicators adopted to detect Islamic religion are a the number of
mosques and mushollas, b proportion of hajs to the total islamic population in the region, and c the proportion of islamic population to the total population in the region.
Whereas the economic potency was based on 1 the economic growth, 2 regional gross domestic product PDRB, and 3 the proportion of genuine regional revenue to
the regional budget. The result of selected research areas is shown in Table 2.1.
Table 2.1. Sample Survey Areas
in Central Java and Yogyakarta Provinces
R
ELIGION
I
NDICATOR E
CONOMIC
I
NDICATOR
A
SS
.D
EV
A
REAS
N
O
. C
OUNTY
M
UNICIPA LITY
Ranking Number of
M
ASJID
R
ANKING
M
OSLEM
R
ANKING
N
UMBER OF
H
AJI
R
ANKING
PDRB R
ANKING
PADS R
ANKING
A
NNUAL
G
ROWTH
T
OTAL
R
ANKING
R
ANKING
E
ACH
A
SS
. D
EV
.
AREAS
Central Java Province
1. Kota Semarang
5,00 5,00
1,00 1,00
1,00 1,00
14,00 1,00
2. Kab. Kendal
4,00 2,00
3,00 3,00
4,00 3,00
19,00 2,00
Semarang 3.
Kab. Demak 3,00
1,00 4,00
5,00 6,00
2,00 21,00
3,00 4.
Kab. Jepara 2,00
4,00 1,00
2,00 4,00
2,00 15,00
1,00 5.
Kab. Rembang 4,00
2,00 3,00
3,00 1,00
3,00 16,00
2,00 Pati
6. Kab. Kudus
5,00 3,00
2,00 1,00
2,00 5,00
18,00 3,00
7. Kota Surakarta
7,00 7,00
1,00 1,00
1,00 1,00
18,00 1,00
Surakarta 8.
Kab. Boyolali 1,00
5,00 3,00
5,00 3,00
4,00 21,00
2,00 Kedu
9. Kota Magelang
6,00 6,00
1,00 1,00
1,00 2,00
17,00 1,00
Banyumas 10. Kab. Cilacap
2,00 4,00
1,00 1,00
2,00 1,00
11,00 1,00
11. Kab. Brebes 1,00
1,00 3,00
6,00 5,00
3,00 19,00
1,00 12. Kota Tegal
7,00 7,00
2,00 4,00
1,00 1,00
22,00 2,00
Pekalongan 13. Kota Pekalongan
6,00 6,00
1,00 3,00
2,00 5,00
23,00 3,00
Jogyakarta Province
14. Kota Yogyakarta 5,00
5,00 1,00
1,00 1,00
4,00 17,00
1,00 15.
Kab. Bantul
3,00 2,00
3,00 3,00
5,00 1,00
17,00 2,00
5 Then from each sample area was selected randomly at least 100 respondents which
consisted of 20 respondents from productive sector and 80 respondents from households or consumptive sector. Due to the large size of sample areas and time constraints,
practically incidental sampling was applied with regard to islamic population between districts of each sample area.
2.3. Data Analysis The validity and reliability tests were used to ensure each item or indicator in the
questionnaire. This validity test was adopted by using simple correlation technique between items, and the use of split sample was done to prove the reliability of the
questionnaire. The Logit Estimation Model will be used to test preferences and attitude of the society
toward Syariah Banks. Several formulas constructed in the Logit Estimation Model are as follows Gujarati, 1995 p. 555.
i Z
e P
P
i i
= −
1
…………………………………………...………………………… 1
where
ij k
j i
i
X Z
∑
=
+ =
1
β β
………………………….…………………………………... 2
so,
ij X
k j
i
e
i i
P P
∑ =
+
= −
1
1
β β
…………….…………..…………………………………... 3
i i
i i
ij i
ij i
i
Pf Ss
Sv Ec
De Z
φ δ
χ β
α α
∑ ∑
∑ ∑
∑
+ +
+ +
+ =
1 1
…… 4
6
PART THREE : GENERAL DESCRIPTION OF RESPONDENTS AND RESEARCH AREAS.
3.1. Demography The total population of Central Java Province were 29,659,176 persons in 1994 and
