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All Journal Transformasi: Journal of Economics and Business Management Jurnal Publikasi Manajemen Informatika (JUPUMI) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Maslahah: Jurnal Manajemen dan Ekonomi Syariah Santri : Jurnal Ekonomi dan Keuangan Islam Margin : Journal of Islamic Banking
Bambang Kurniawan
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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Journal : Jurnal Sains Student Research

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Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Dalam Menggunakan Produk Pembiayaan Musyarakah Di Bank Syariah Indonesia (BSI) Gatot Subroto Di Kota Jambi Widodo; Bambang Kurniawan; Refky Fielnanda
JOURNAL SAINS STUDENT RESEARCH Vol. 1 No. 1 (2023): Oktober: Jurnal Sains Student Research
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jssr.v1i1.210

Abstract

This thesis aims to reveal the Factors Influencing Customer Decisions in Using Musyarakah Financing Products at Bank Syariah Indonesia (BSI) Gatot Subroto in jambi city. This thesis uses a quantitative approach using a multiple regression statistical analysis method partially and simultaneously with a sample of 75 customers. The research carried out obtained the following results and conclusions: Partially the independent variable Psychological Factor (X1) affects customer decisions (Y) because the musyarakah financing product is in accordance with customer needs, the terms offered are relatively easy and increase customer confidence in Allah and the products offered better; Situational factors (X2) affect customer decisions (Y) because the place is easy to reach in the city center, using musyarakah financing because the time given is so disciplined and musyarakah financing is due to the use of products that suit their needs and uses and the employees are kind and considerate to customers; Social factors (X3) affect customer decisions (Y) because anyone can apply for this financing and provide benefits to the community. The public has also believed in BSI and customers have also seen the advertisements promoted on the banners. Simultaneously (F test) shows that F count (74,679) > F table (2,73) and significant value (0.000) < a (0.05), then Ho is rejected and Ha is accepted, meaning that Psychological Factors (X1), Situational Factors (X2) and Social Factors (X3) simultaneously or simultaneously influence the customer's decision to use the Musyarakah financing product at Bank Syariah Indonesia (BSI) Gatot Subroto because a sense of trust has been created and the distance traveled by the customer is close to home and the information provided received accurately and reliably.
Co-Authors Abdul Malik Achyat Budianto Agusriandi Agusriandi Aneski Arsa Arsa Awal Habibah Endang Aprillia Dwi Rahayu Fathurrahman Fathurrahman Ferri Saputra Tanjung Habriyanto Habriyanto Habriyanto Hafiz Maulana Ihsan Khoiriyatun Ni’mah Khusnul Istiqomah Liana Illiyanti M.Jian Subhi Nursyafni Syafia Refky Fielnanda Rezki Yolandi Febri Rima Yogitriani Syamsudin Syamsudin Widodo