Interest in Savings and Loan Cooperative Financing Products and Sharia Financing on Various Variables
Keywords:Interest in financing products, services, financing products, customer perceptions
The purpose of this study was to determine the effect of services, financing products, and customer perceptions of interest in financing products for the Sharia Savings and Loans Cooperative (KSPPS) BMT Samara. This research will be carried out using explanatory research, researchers conduct surveys and go to the research site by giving questionnaires to KSPPS BMT Samara financing customers directly. This study uses quantitative methods, where this method is used to test hypotheses. The population of this research is KSPPS BMT Samara financing customers, totaling 1,214 as of December 31, 2021. The sampling technique uses quota sampling technique, with a total sample of 100 financing customers. The data collection methods used in this study were the observation method, the documentation method, and the questionnaire method. The data analysis technique used is multiple regression analysis, t test, F test, and R2 test. The results of the study indicate that there is an effect of partial service on customer interest in financing products. There is no influence between financing products partially on customer interest in financing products. There is a partial influence between customer perceptions of customer interest in financing products. There is a simultaneous and joint influence of services, financing products and customer perceptions of customer interest in financing products and the simultaneous and joint influence of services and perceptions of interest in financing products is 42.1% and the rest is influenced by other variables undetermined.
Al-Hawari, M. A. (2015). How the personality of retail bank customers interferes with the relationship between service quality and loyalty. International Journal of Bank Marketing.
Arli, D., Tjiptono, F., & Porto, R. (2015). The impact of moral equity, relativism and attitude on individuals' digital piracy behavior in a developing country. Marketing Intelligence & Planning.
Astuti, T., & Mustikawati, R. I. (2013). The influence of customers' perceptions of interest rates, promotions and service quality on customers' interest in saving. Nominal: Barometer of Accounting and Management Research, 2(1), 182-198.
Damayanti, N. F., & Herianingrum, S. (2014). The Effect of Baitul Maal Wat Tamwil (BMT) Exemplary Fund Financing on Micro Business Performance in Semolowaru Market Surabaya. Journal of Theoretical and Applied Islamic Economics, 1(3), 194-204.
Dauda, S. Y., & Lee, J. (2016). Quality of service and customer satisfaction: a conjoint analysis for the Nigerian bank customers. International Journal of Bank Marketing.
Hati, S. R. H., Gayatri, G., & Indraswari, K. D. (2020). Migration (Hijra) to Islamic bank based on push–pull–mooring theory: a services marketing mix perspective. Journal of Islamic Marketing.
Hosen, M. N., & Sa'roni, L. S. (2012). Determinant factors of the successful of Baitul Maal Wat Tamwil (BMT). International Journal of Academic Research in Economics and Management Sciences, 1(4), 36.
Husen Sobana, H. D. (2018). Islamic Financial Management.
Iffah, L. (2018). Customer Perceptions of the Level of Service Quality of Islamic Banks in Malang Branch. FALAH: Journal of Islamic Economics, 3(1), 79-96.
Kerr, W. R., & Nanda, R. (2015). Financing innovation. Annual Review of Financial Economics, 7, 445-462.
Kinicki, A., & Kreitner, R. (2012). Organizational behavior: Key concepts, skills & best practices (Vol. 1221). New York, NY: McGraw-Hill Irwin.
Kotler, P., & Keller, K. L. (2016). A framework for marketing management (p. 352). Boston, MA: Pearson.
Lu, V. N., Wirtz, J., Kunz, W. H., Paluch, S., Gruber, T., Martins, A., & Patterson, P. G. (2020). Service robots, customers and service employees: what can we learn from the academic literature and where are the gaps?. Journal of Service Theory and Practice.
Melina, F. (2020). Murabahah Financing at Baitul Maal wat Tamwil (BMT). Journal of Tabarru': Islamic Banking and Finance, 3(2), 269-280.
Mukerjee, K. (2018). The impact of brand experience, service quality and perceived value on word of mouth of retail bank customers: Investigating the mediating effect of loyalty. Journal of Financial Services Marketing, 23(1), 12-24.
Prastiawati, F., & Darma, E. S. (2016). The Role of Baitul Maal Wat Tamwil Financing for Business Development and Improving the Welfare of Its Members from the Micro Sector of Traditional Market Traders. Journal of Accounting and Investment, 17(2), 197-208.
Prsetyo, B., & Jannah, L. M. (2019). Quantitative research methods.
Ridwan, A. H., & Saebani, B. A. (2013). Baitul Mal Watamwil Management.
Rosmiati, R., Junias, D. T. S., & Munawar, M. (2015). Students' attitude, motivation, and interest in entrepreneurship. Journal of Management and Entrepreneurship, 17(1), 21-30.
Siregar, P. A., Supitriyani, S., Parinduri, L., Astuti, A., Azwar, K., Simarmata, H. M. P., ... & Arfandi, S. N. (2021). Banks and Other Financial Institutions. Our Writing Foundation.
Sugiyono, D. (2013). Educational research methods approach quantitative, qualitative and R&D.etc.
How to Cite
Copyright (c) 2022 International Journal of Seocology
This work is licensed under a Creative Commons Attribution 4.0 International License.
Licensed under Creative Commons Attribution 4.0 International License