Pengaruh Pengetahuan dan Kesadaran Nasabah Akan Perbankan Syariah Terhadap Keputusan Nasabah Dalam Memilih Fasilitas Pembiayaan Kredit Usaha Rakyat (KUR) Syariah di Bank Syariah Indonesia Area Kota Medan

Siti Aisyah, Muhammad Arif

Abstract

This study aims to determine the influence of knowledge and awareness of nasbah simultaneously on customer decisions in choosing Micro KUR products at Bank Syariah Indonesia. This type of research is field research (field research), which is direct observation of the object to be studied to obtain relevant data. This research uses a quantitative approach, the sources used in this study consist of two types, namely primary and secondary. The primary data of the data being studied is by providing questionnaires to respondents to respondents, while skunder data carried out through literature studies help find theories that support this research. Samples were taken as many as 50 BSI customers. The analysis technique uses multiple linear regression analysis, and the hipoetic test t test, f test, and detremination test. The results of the research on unison testing of the variables Knowledge (X1), and Awareness (X2 have a positive and significant effect on the customer's decision to choose a Sharia KUR financing facility at BSI. Testing the coefficient of determination obtained with a value of 0.840 means that 84.0% of changes in variables are bound by customer decisions in choosing a Sharia KUR financing facility at BSI, influenced by knowledge and awareness. Meanwhile, the remaining '16.02% is explained by other factors beyond the two research variables.

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