| Summary: | This research focuses on the problem whether there any differences in the average between social, personal and psychological factors on the decisions of students of Universitas Islam Negeri (UIN) Palembang and Universitas Muhammadyah Palembang in purchasing Islamic bank products or conventional banks. The model used for this study is comparative analysis of two free samples (Independent Sample T Test), the data is processed and tested using the SPSS Version 19. The results show that the value of t count on social factors is -2.304 and the significance value for social factors is 0.023, it can be concluded that there are differences in social factors between students of UIN Palembang and Universitas Muhammadiyah Palembang in making purchasing decisions for Islamic bank products or conventional banks. The value of t count on personal factors is -2.912 and the significance value for personal factors is 0.004, it can be concluded that there are personal factor differences between students of UIN Palembang and Universitas Muhammadiyah Palembang in making purchasing decisions for Islamic bank products or conventional banks. The value of t count on psychological factors is -3,187 and the significance value for psychological factors is 0,002, it can be concluded that there are psychological factors differences between students of UIN Palembang and Universitas Muhammadiyah Palembang in making purchasing decisions for Islamic bank products or conventional banks. The value of t count for the purchasing decision factor is -4,538 and the significance value for the purchasing decision factor is 0,000, it can be concluded that there are differences in purchasing decision factors between students of UIN Palembang and Universitas Muhammadiyah Palembang in making purchasing decisions for Islamic bank products or conventional banks.
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