Apakah Regiulitas Memoderasi Keputusan Nasabah Bank Syariah

Authors

  • Selfi Afriani Gultom Politeknik Negeri Medan, Indonesia
  • Saparuddin Siregar Universitas Islam Negeri Sumatera Utara, Indonesia
  • Sugianto Sugianto Universitas Islam Negeri Sumatera Utara, Indonesia

DOI:

https://doi.org/10.29040/jiei.v8i2.5416

Abstract

This article is meaned to analyze the factors of service quality, product quality and promotion of the choice as a sharia bank customer by combining the moderating variable, namely religiosity. The research population is the customer of Bank Syariah Indonesia in the city of Medan. Determination of the sample is done by random method and set the number of only 100 people because of the large population, the range is too wide and the population is uniform so that it can be represented by others. The instrument of data collection was done by distributing questionnaires. Furthermore, data analysis with SEM-PLS. The results showed that service quality, product quality and promotion had a significant effect on the decision to become a customer of a sharia bank but religiosity was not able to moderate services, products and promotions on the decision to become a customer. The level of religiosity of Muslims is not an indicator for choosing to become a customer of a sharia bank. The implication of this research is that policies on Islamic banking continue to improve service quality because all banking customers without being influenced by religiosity are very happy to get the best service from banks. Islamic banks must continue to innovate on Islamic bank products that can make it easier for customers to transact regardless of customer religiosity. Islamic banks must continue to carry out best promotions to all public.

References

Aisyah, M., Umiyati, U., & Apriansyah, R. (2017). Pengaruh Kualitas Pelayanan Terhadap Keputusan Nasabah Dengan Religious Behaviour Sebagai Variabel Moderator (Studi Kasus Pada Produk Tabungan BNI Syariah). Liquidity, 6(2), 119–132. https://doi.org/10.32546/lq.v6i2.29

Allah Pitchay, A. Bin, Mohd Thas Thaker, M. A. Bin, Azhar, Z., Mydin, A. A., & Mohd Thas Thaker, H. Bin. (2020). Factors persuade individuals’ behavioral intention to opt for Islamic bank services: Malaysian depositors’ perspective. Journal of Islamic Marketing, 11(1), 234–250. https://doi.org/10.1108/JIMA-02-2018-0029

Burhanudin, B. (2020). The effect of Muslims’ tendency to regret being customers of conventional banks on their intention to save money in Islamic banks. Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-03-2020-0074

Butt, I., Ahmad, N., Naveed, A., & Ahmed, Z. (2018). Determinants of low adoption of Islamic banking in Pakistan. Journal of Islamic Marketing, 9(3), 655–672. https://doi.org/10.1108/JIMA-01-2017-0002

Echchabi, A., & Olaniyi, O. N. (2012). Malaysian consumers’ preferences for Islamic banking attributes. International Journal of Social Economics, 39(11), 859–874. https://doi.org/10.1108/03068291211263907

Farida, B. S., & Mahfud, Y. (2021). Pengaruh Kualitsa Pelayanan dan Kualitas Produk terhadap Keputusan Nasabah dengan Religious Behavior sebagai Variabel Moderator (studi kasus pada produk tabungan Bank Muamalat kantor cabang pembantu Wonosobo). Journal of Economic, Business Engineering (JEBE), 2(2).

Fatmasari, M. (2019). Pengaruh Periklanan dan Kualitas Pelayanan Terhadap Keputusan Nasabah dalam Menggunakan Produk Wadiah dengan Tingkat Relegiusitas Sebagai Variabel Moderating (Studi Kasus pada Nasabah BRI Syariah di IAIN Salatiga).

Ireland, J. J. (2018). Just How Loyal Are Islamic Banking Customers? Purpose: International Journal of Bank Marketing, 36(3), 410–422.

Mujaddid, F., & Nugroho, P. T. A. (2019). Pengaruh pengetahuan, reputasi, lingkungan dan religiusitas terhadap minat pelajar Sekolah Menengah Kejuruan prodi perbankan Syariah dalam menabung di bank Syariah. Jurnal Ekonomi Islam, 10(1), 14–37.

Muzaiyanah, N. Ev. (2018). Pengaruh Promosi, Kualitas Pelayanan dan Kualitas Produk Terhadap Keputusan Nasabah Menabung Dengan Religiusitas Sebagai Variabel Intervening (studi kasus di bank BRI Syariah kantor cabang Semarang). Salatiga: IAIN Salatiga. SKRIPSI, 5–24.

Nasrullah, M. (2016). ISLAMIC BRANDING, RELIGIUSITAS DAN KEPUTUSAN KONSUMEN TERHADAP PRODUK Muhammad. 13(July), 1–23.

Nurmaeni, R., Hasanah, S., & Widowati, M. (2020). Analisis Pengaruh Hedonisme, Religiusitas, Motivasi, dan Promosi terhadap Keputusan Menabung pada Bank Syariah (Studi Kasus pada PT Bank BRI Syariah, Tbk Kantor Cabang Pembantu Majapahit Semarang). Jurnal Tabarru’ : Islamic Banking and Finance, Vol. 3(2), 303–312.

Rachmawati, A., & Widana, G. O. (2019). Pengaruh Consumer Knowledge, Brand Image, Religiusitas, Dan Lokasi Terhadap Keputusan Menjadi Nasabah Pada Bank Syariah. Jurnal Liquidity, 8(2), 111–123.

Rahmawati, A. (2019). Pengaruh Produk dan Promosi Terhadap Keputusan Nasabah Menabung di Bank Syariah Dengan Religiusitas Sebagai Variabel Moderating (Studi pada Masyarakat Muslim Boyolali yang Menabung di Bank Syariah). Skripsi (Bachelor Thesis). http://e-repository.perpus.iainsalatiga.ac.id/id/eprint/7585

Rizky, M. A. A., Sugianto, & Daula, A. N. (2021). PENGARUH KUALITAS PRODUK DAN PENERAPAN NILAI ISLAM TERHADAP KEPUASAN NASABAH DI PT BANK MUAMALAT KANTOR CABANG MEDAN BALAIKOTA. Studia Economica: Jurnal Ekonomi Slam, Volume VII No. 1 Januari – Juni 2021: 97 - 109 Pendahuluan, VII(1), 97–109.

Siregar, S. (2015). AKUNTANSI PERBANKAN SYARIAH SESUAI PAPSI 2013 (B. Nugroho & F. Ispana (eds.); Pertama). FEBI UIN-SU Press.

Tunggal, N., & Lestari, D. (2017). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PADA BANK SYARIAH ( Studi Kasus Pada Bank Syariah Metro Madani ) 1438 H / 2017 M SKRIPSI ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PADA BANK SYARIAH ( Study Kasus Pada Bank Syariah Metro Madani ) JURAI SIWO METRO.

Ulfa, D., & Sulistyorini, U. T. (2018). ANALISIS PENGARUH KUALITAS PRODUK, KUALITAS LAYANAN, LOKASI, DAN PROMOSI TERHADAP KEPUTUSAN NASABAH MENABUNG KEMBALI (Studi Pada PT BPD Jawa Tengah Kantor Cabang Pembantu Syariah UNISSULA). Jurnal Sains Ekonomi Dan Perbankan Syariah, 8(1), 62–72.

Yupitri, E., & Sari, R. (2012). Analisis Faktor-Faktor Yang Mempengaruhi Non Muslim Menjadi Nasabah Bank Syariah Mandiri Di Medan. Jurnal Ekonomi Dan Keuangan, 1(1), 14867.

Downloads

Published

05-07-2022

How to Cite

Gultom, S. A., Siregar, S., & Sugianto, S. (2022). Apakah Regiulitas Memoderasi Keputusan Nasabah Bank Syariah. Jurnal Ilmiah Ekonomi Islam, 8(2), 1348–1356. https://doi.org/10.29040/jiei.v8i2.5416

Citation Check

Most read articles by the same author(s)

<< < 1 2 3