Keputusan Menabung Nasabah Di Bank Syariah Indonesia
Keywords:
Level of Trust, Religiosity, Quality of Service, Customer Saving DecisionsAbstract
The purpose of this study was to determine the effect of the level of trust, religiosity, and service quality on customer decisions to save at the Islamic Bank in Banda Aceh City. This research is a quantitative study with data collection methods using questionary or spread-out questionnaires. The population of this research is 250,627 Sharia Bank customers. The sampling technique used in this research is convenience sampling of 100 respondents. The method used to test the hypothesis is the instrument test (validity test, reliability test) statistical test (t-test, f test, and R test), and classical assumption test (multicollinearity, heteroscedasticity, normality, and linearity test). Data analysis was assisted by using SPSS Version 25. the results of the data processing show that simultaneously, the variables of the level of trust, religiosity, and service quality jointly influence customers' decisions to save at Islamic banks. While partially the variable level of trust (X1) and variable religiosity (X2) have a positive and significant effect on customer decisions in saving at Islamic banks. And the service quality variable does not affect customer decisions in saving at a sharia bank. While the coefficient of determination (R2) of 0.145 means that the contribution of the independent variable to explain/influence the dependent variable is 14.5%, while the remaining 85.5% is influenced by other variables outside the model.
References
Abdullah, A. 2000a. Dinamika Islam Kultural. Bandung: Mizan
Astuti, T & Mustikawati, RR, I. 2013, Pengaruh Persepsi Nasabah Tentang Tingkat Suku Bunga, Promosi dan Kualitas Pelayanan Terhadap Minat Menabung Nasabah. Jurnal Nominal, Volume II,Nomor 1, Fakultas Ekonomi Universitas Negeri Yogyakarta
Fatmawati, D. 2015. Pengaruh Pendapatan, Religiusitas, dan Informasi Terhadap Intensi Menabung Di Bank Syariah Pada Kalangan Santri Mahasiswa PP Wahid Hasyim Di Sleman. Yogyakarta: Fakultas Ekonomi, Universitas Negeri Yogyakarta
Dahlan, S. 2001. Manajemen Lembaga Keuangan. Jakarta: Lembaga Penerbit Fakultas
Ekonomi Universitas Indonesia.
Hassan, M, U. 2007. People’s Perceptions towards the Islamic Banking: A Fieldwork Study on Bank Account Holders’ Behaviour in Pakistan, School of Economics, Nagoya City University Japan 3(4):73-87
Kasmir. 2016. Bank dan Lembaga Keuangan Lainnya. Edisi Revisi Jakarta: PT Raja Grafindo
Persada.
Kotler, P. 1997a. Manajemen Pemasara, Analisis, Perencanaan, Implementasi Dan
Pengendalian, Edisi Kesembilan, Jilid 2. Jakarta: Penerbit Salemba
Khotimah, K. 2013. Pengaruh Kepercayaan Terhadap Loyalitas Nasabah Menabung Pada Kantor Cabang Utama PT. Bank Pembangunan Daerah Papua Di Jayapura. Jurnal Future, Volume 1, No. 1, pp 42-51.
Lestari, A. M. 2015. Pengaruh Religiusitas, Produk Bank, Kepercayaan, Pengetahuan, dan Pelayanan terhadap Preferensi Menabung Pada Perbankan Syariah. Jurnal Ilmiah. Universitas Brawijaya Malang.
Maisur. 2015. Pengaruh Prinsip Bagi Hasil,Tingkat Pendapatan, Religiusitas Dan Kualitas Pelayanan Terhadap Keputusan Menabung Nasabah Pada Bank Syariah Di Banda Aceh. Jurnal Magister Akuntansi. Universitas Syiah Kuala.
Omer, H.S.H. 1992. The implications of Islamic beliefs and practice on the Islamic financial institutions in the UK: case study of Albaraka International Bank UK”, unpublished PhD thesis, Economics Department. Loughborough University, Loughborough
Pulungan, A. 2009. Analisis Faktor-Faktor Yang Mempengaruhi Nasabah Untuk Menggunakan Produk Jasa PT. Bank Negara Indonesia (Persero), Tbk Cabang Syariah Medan. Universitas Sumatera Utara.
Rohmah, I R Q, Ahmad R. dan Nur H. 2015. Pengaruh Tingkat Kepercayaan, Bagi Hasil, Kesesuaian Hukum Syariah, Reputasi Bank dan Perolehan Informasi terhadap Keinginan Menambah Tabungan Mudharabah di Bank Rakyat Indonesia Syariah Cabang Jember
Sudartik, 2009. Pengaruh Kualitas Pelayanan Dan Periklanan Terhadap Keputusan
Nasabah Dalam Menabung Pada PT BPR Semarang Margatama Gunadana. Semarang: Universitas Negeri Semarang.
Sugiyono, 2014, Metode Penelitian Kuantitatif Kualitatif & RND, Alfabeta, Bandung Utomo, B, S. 2001. Makalah: Menuju Era Ekonomi Berkeadilan dan Bebas Bunga, Jakarta Tiara. 2017. Analisis Pengaruh Tingkat Religiusitas, Pengetahuan Nasabah, Pendapatan
Nasabah, Dan Kualitas Pelayanan Terhadap Keputusan Nasabah Menabung Di Bank
Syariah. Institut Agama Islam Negeri Salatiga.
Wahab, W. 2016. Pengaruh Tingkat Bagi Hasil Terhadap Minat Menabung Di Bank Syariah.
Jurnal, STIE Mahaputra Riau.
Wahyuni, T E. 2017. Pengaruh Kepercayaan Dan Kepuasan Terhadap Loyalitas Nasabah
Perbankan Syariah. Universitas PGRI Yogyakarta.
