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This research aims to determine whether the culture and perceptions of non-Muslim communities influence the decision to become a customer at Bank Syariah Mandiri Bengkalis Sub-Branch Office partially and simultaneously. Data analysis techniques used in this study used the test of validity, reliability, hypothesis test, multiple linear regression analysis and determinant coefficient analysis. The results obtained in this study that partially cultural variables and community perceptions significantly influence the decision making to become a customer of Bank Syariah Mandiri Bengkalis Sub-Branch Office. Simultaneously there is a significant influence between culture and perceptions of non-Muslim communities on the decision to become a customer at Bank Syariah Mandiri Bengkalis Sub-Branch Office with an influence of 60.1%.

This research aims to determine the practice of penalties for taking time Mudharabah deposits before maturity in the perspective of Islamic law at Bank Syariah Mandiri Bengkalis Sub-Branch Office. This research is based on primary and secondary data. Based on the results of the study note that there are customers of Bank Syariah Mandiri Bengkalis Sub-Branch Office who take deposits Mudharabah before maturity, then the customer will be subject to a penalty against funds deposited. By looking at the practice of penalties carried out by Bank Syariah Mandiri Bengkalis Sub-Branch Office is not appropriate and deviates from the theories that apply in Islamic economics. This is because the penalty agreement is not written clearly in the agreement document.

Bank Syariah Mandiri Sub-Branch Office Dumai Sukajadi is one of the banks operating based on sharia principles offering fundraising products and one of them is tabungan BSM . The tabungan BSM are based on sharia principles with the mudharabah muthlaqah agreement. This research uses primary data and secondary data. The results showed that the marketing strategy of tabungan BSM products to attract customers of Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office has been going well, from conducting promotions, socializing, distributing brochures and participating in certain events. In addition, the presence of Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office is very helpful for customers to open various kinds of savings provided by the Bank Syariah Mandiri Dumai Sukajadi Sub-Branch Office.

This research aims to determine the effect of inflation, exchange rates, and the BI Rate on mudharabah savings in Islamic banking in Indonesia partially and simultaneously. This research is a quantitative study with time-series data. The data used in this study are secondary data. The population in this study is inflation data, the rupiah exchange rate, and the BI Rate and mudharabah savings. The population of Islamic banks in this study totalled 34 Islamic banks. The data analysis technique used in this study is the multiple regression analysis. Partially, inflation, exchange rates or the rupiah exchange rate and the BI Rate have a positive effect on mudharabah savings in Islamic banking in Indonesia. Simultaneously the inflation variable, the exchange rate or the rupiah exchange rate and the BI Rate have a significant effect on mudharabah savings in Islamic banking in Indonesia with an influence of 88.6%.

This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in various ways and forms. In order for credit cards to be safe from crime and fraud, consumer behavior must be changed by maintaining confidentiality, caution and vigilance in conducting transactions.

This research aims to find out how the SWOT analysis as a strategy to improve competitiveness and obstacles in the Bank of Riau Kepri, Pekanbaru Business Unit. The research method used is quantitative descriptive method. The SWOT analysis used is descriptive analysis methods, SWOT matrix and SWOT diagram analysis. Data collection techniques in this study were interviews, questionnaires and literature. The results of this study are the SWOT analysis as a strategy to increase competitiveness needs to be evaluated again so that the formation of good performance from within and from outside the Bank of Riau Kepri, Pekanbaru Sharia Business Unit in advancing these banks throughout Province of Riau and Riau Islands.