SNAPSHOT IN CUSTOMER DEPOSIT OF ISLAMIC BANK (RELIGION, AGE, AND GENDER) AS THE REFLECTION OF PANCASILA (FIVE PRINCIPLES OF INDONESIA NATION)

Abstract

Indonesia that a country with the most significant Muslim majority in the world, which is also not a state based on Islamic law. Moreover, Pancasila (five principles of Indonesia nation) as the basis of the nationstate of Indonesia has also been in line with Islamic law that recognizes other religions. The purpose of this study is to analyze Islamic bank deposits from the aspects of religion, age, and sex of the depositors. This study is limited by research questions, which include: How is the portfolio of savings in Islamic banks based on religion, How is the portfolio of Islamic bank savings based on age, and How is the portfolio of Islamic bank savings based on gender. The method used is quantitative using secondary data found in Bank Mandiri Sharia as the largest Islamic bank in Indonesia, which has a 20% market share of the Islamic bank industry in Indonesia. The results of this study are the deposit customers of Islamic banks are not only Muslim but consist of all adherents of religion recognized by the government. In addition, savings customers based on the age aspect, the younger generation has contributed to the growth in the number of deposits in Islamic banks. However, the adult generation still dominates the amount of savings balance. Furthermore, when viewed from the gender aspect, the owner of deposits in Islamic banks is still dominated by men. But in terms of growth, the number of deposits and the amount of savings balances is dominated by women.