Analysis of Factors Influencing Customers' Decision to Choose Saving
DOI:
https://doi.org/10.14421/jies.2020.1.2.175-185Abstract
The purpose of this study is to find out what factors influence the customer's decision in choosing BNI Syariah Tunas Hasanah iB savings account in Medan also to see which variable is dominant in the customer's decision to save. This research method uses quantitative methods, with data collection techniques that are distributing questionnaires to customers of BNI Syariah Medan. The data collected was processed using SPSS application version 16. The results showed that the dependent variable with various factors affecting it was 83.5% able to be explained by (variable X) product quality, promotion and service, while the remaining 16.5% customer decisions were explained by other causes outside of research. Each of the X variables has a significant effect on the customer's decision to choose iB Tunas Hasanah savings.
Keywords : Product Quality, Service, Promotion, Sharia Bank
Downloads
Abstract viewed: 268 times
|
PDF downloaded = 205 times
References
Antonio, Muhammad Syafi'i. (2001). Islamic Banks: From Theory to Practice. Jakarta: Gema Insani Press.
Bank Negara Indonesia (BNI) Syariah. (2020). BNI Tabungan iB Hasanah, accessed on April 26, 2020 fromhttps://www.bnisyariah.co.id/en-us/personal/pendanaan/bnitabunganibhasanah
Bank Negara Indonesia (BNI) Syariah. (2020). Leading Transformational Change, Annual Report 2018, accessed on 26 April 2020 fromhttps://www.bnisyariah.co.id/Portals/1/BNISyariah/Company/Contact%20Investor/Report%20Tahunan/AR%202018/AR%20BNIS%202018-compressed.pdf
Harahap, Isnaini, et. al. (2012). SPSS & BANK MINI Practicum Guidelines. Medan, Syari'ah Faculty.
Jatmiko, Ady. (2016). "Analysis of Marketing Strategy for Tabungan iB Tapenas Hasanah Products at BNI Syariah Bank Semarang" Thesis. Salatiga: FEBI IAIN Salatiga.http://e-repository.perpus.iainsalatiga.ac.id/441/.
KN, Nurul Azizah. (2012). "Analysis of Factors Influencing the Increasing Number of BNI Syariah Makassar Customers" Thesis. Makassar: FEBI UIN Alauddin Makassar.http://repositori.uin-alauddin.ac.id/4885/.
Kholida, Maya. (2018). "Analysis of Consumer Behavior Factors (Consumen Behavior) Against BNI Syariah Customer Decisions Using Electronic Banking (E-Banking) Services" Thesis. Yogyakarta: FEBI UIN Sunan Kalijaga Yogyakarta.http://digilib.uin-suka.ac.id/31847/1/14820064_BAB-I_IV-atau-V_DAList-PUSTAKA.pdf.
Financial Fervices Authority. (2020). Sharia Banking Statistics, January 2020, accessed on April 26, 2020 fromhttps://www.ojk.go.id/en/kanal/syariah/data-dan-statistik/statistik-perban-syariah/Documents/Pages/Statistik-Banking-Syariah---Januari-2020/SPS%20January% 202020.pdf
Purbasari, Niken. (2019). "Analysis of Factors Affecting Customer Preference in Choosing to Use Islamic Banks" Thesis. Jakarta: FEB Tri Sakti University.http://www.repository.trisakti.ac.id/webopac_usaktiana/index.php/home/detail/detail_koleksi/9/SKR/abstraksi/00000000000000016160/batubara.
Rahmani, Nur Ahmadi Bi. (2016). Economic Research Methodology. Medan: Febi Press.
Sanusi, Anwar. (2012). Business Research Methodology. Jakarta: Salemba Empat.
Sharvina, Shara. (2019). "Social, Cultural, and Psychological Effects on Customers' Decisions in Choosing a Sharia Bank (Study at the BNI Syariah Branch of Banda Aceh)" Thesis. Banda Aceh: FEBI UIN Ar-Raniry.https://repository.ar-raniry.ac.id/id/eprint/7045/.
Siregar, Susi Susanti. (2017). "The Effect of Profit Sharing and Advertising on Customer Decisions Using the iB Muamalat Savings Plan at PT. Bank Muamalat Indonesia Tbk. Padangsidimpuan Branch "Thesis. Padangsidimpuan: FEBI IAIN Padangsidimpuan.http://etd.iain-padangsidimpuan.ac.id/2926/.
Sukron. (2012). "Factors Affecting the Interest of Non-Muslim Customers Become Customers at BNI Syariah Bank Semarang Branch" Thesis. Semarang: UIN Walisongo Semarang.http://eprints.walisongo.ac.id/1368/.
Tarigan, Azhari Akmal, et. al. (2012). Islamic Economic Research Methodology. Medan: La Tansa Press.
Ukhti, Nurfitrah. (2019). "Analysis of Factors Causing Problem Funding in Bengkulu City Syariah Bank (Study at BNI Syariah Bank)" Thesis Diploma. Bengkulu: FEBI IAIN Bengkulu.http://repository.iainbengkulu.ac.id/3374/
Law No. 21 of 2008 concerning Islamic Banking. Jakarta: Fokusmedia.
Wulandari, Nunung Nurita. (2019). "Small and Medium Scale Customer Decision Making in Choosing a Sharia Bank (Case Study of Five BNI Sharia Bank Customers)" Thesis. Semarang: FIB Diponegoro University.http://eprints.undip.ac.id/81028/
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2020 Journal of Islamic Economic Scholar
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1.Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a 