ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MUSLIM DALAM MEMILIH PEMBIAYAAN KREDIT PEMILIKAN RUMAH (KPR) MELALUI BANK SYARIAH (KASUS PADA BANK SYARIAH INDONESIA KC PATI)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Sari, Juliana
Subject
H Social Sciences (General)
Datestamp
2024-03-17 02:51:58
Abstract :
ABSTRACT The aim of this research is to identify the factors that influence Muslim customers' decisions in choosing home ownership credit financing through sharia banks. This research is a type of quantitative research. The population used is Muslim customers using KPR at Bank Syariah Indonesia KC Pati. The research sample consisted of 100 respondents determined from the Lemeshow formula. Data collection was carried out by distributing questionnaires using a Likert scale and purposive sampling and snowball sampling techniques. This research consists of descriptive statistical tests, validity tests, reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple regression analysis tests, coefficient of determination tests (R2), F tests, and t tests using SPSS 24 testing tools. The results of this research shows that procedures, service quality, cost levels, knowledge and religiosity simultaneously have a positive and significant impact on Muslim customers' decisions in choosing home ownership credit (KPR) financing through Bank Syariah Indonesia KC Pati. Keywords: Procedures, Service Quality, Cost Levels, Knowledge, Religiosity, Customer Decision
ABSTRACT The aim of this research is to identify the factors that influence Muslim customers' decisions in choosing home ownership credit financing through sharia banks. This research is a type of quantitative research. The population used is Muslim customers using KPR at Bank Syariah Indonesia KC Pati. The research sample consisted of 100 respondents determined from the Lemeshow formula. Data collection was carried out by distributing questionnaires using a Likert scale and purposive sampling and snowball sampling techniques. This research consists of descriptive statistical tests, validity tests, reliability tests, normality tests, multicollinearity tests, heteroscedasticity tests, multiple regression analysis tests, coefficient of determination tests (R2), F tests, and t tests using SPSS 24 testing tools. The results of this research shows that procedures, service quality, cost levels, knowledge and religiosity simultaneously have a positive and significant impact on Muslim customers' decisions in choosing home ownership credit (KPR) financing through Bank Syariah Indonesia KC Pati. Keywords: Procedures, Service Quality, Cost Levels, Knowledge, Religiosity, Customer Decision
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