Indonesia Conference Directory

Muslim communities awareness of the risks and sins against usury is increasing, but the Islamic bank still has the main problem about access to the community is still very low compared to conventional banking. This research aims to find out how the concept of increasing transaction and accessibility of Islamic banking using EDC (Electronic Data Center) machines and personal agents (laku pandai), and the advantages of the accessibility concept of Islamic banking via personal agents. This study uses a qualitative descriptive approach. The results showed that using of EDC machines can significantly increase the accessibility of Islamic banking needed by the community. Using EDC machines is more practical, easy, and can be operated on a mobile basis in the desired area and with personal agents (smart behavior) at a much more affordable cost compared to the opening of offices, branches, subsidiaries and ATM machines. Personal agents can reach regional or community of unbankable person to be able to access banking services through agent neighbors. Security and perceived ease of using EDC machines and personal agents are the main keys in an effort to increase Islamic banking transactions to meet community needs.