Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Dalam Pemilihan Kredit Kepemilikan Rumah (KPR)
DOI:
https://doi.org/10.47065/arbitrase.v5i2.1980Keywords:
Religiosity; Literacy; Cost; Customer DecisionAbstract
The establishment of Islamic banks is one of the signs of the growth of the Indonesian banking industry. Sharia Home Ownership Credit (KPR) is a type of KPR that uses transactions in accordance with Islamic law. Clients who use the KPR financing facilities from Islamic banks will not experience fluctuating bank interest rates and uncertainty when obtaining home ownership credit. The purpose of this research is to determine the influence of factors such as religiosity, literacy, and costs on customers' decisions to use mortgage services at Islamic banks. This research is qualitative in nature, and the method used is a survey. Customers of Islamic banks who take out home purchase loans through the mortgage service in the Jabodetabek area are the respondents of this study. Using the non-probability sampling method, a questionnaire with a sample of one hundred people was distributed online to residents of Jabodetabek. The data analysis used is multiple linear regression analysis. Next, the data were collected with the help of SPSS Version 27. The test results show that the variables Religiosity (X1) and Literacy (X2) partially have a positive and significant impact on customers' decisions to choose mortgage services at Islamic banks (Y). Conversely, the variable Cost (X3) has a negative and significant impact on customers' decisions to choose mortgage services at Islamic banks. (Y).
Downloads
References
Apriliana, A., & Sukaris, S. (2022). Analisa Kualitas Layanan Pada Cv. Singoyudho Nusantara. Jurnal Maneksi, 11(2), 498–504. https://doi.org/10.31959/jm.v11i2.1246
Cahya, A. D., Widyastuti, M. L., & Fatharani, H. (2021). Peran Perbankan Dalam Pembiayaan UMKM di Tengah Pandemi Covid-19. Fidusia?: Jurnal Keuangan Dan Perbankan, 4(2), 138–149. https://doi.org/10.24127/jf.v4i2.613
Fadhilah, L. L. P. (2023). Pengaruh Religiusitas, Kepercayaan Dan Pengetahuan Produk Terhadap Minat Pengajuan Kpr Syariah Di Bank Syariah Indonesia (Bsi) Kc Madiun Agus Salim (The Influence Of Religiusity, Belief And Product Knowledge On Interest To Apply Sharia Kpr At Bank Syariah. Skripsi.
Fernando, Y., Ahmad, I., Azmi, A., & Borman, I. (2021). Penerapan Teknologi Augmented Reality Katalog Perumahan Sebagai Media Pemasaran Pada PT. San Esha Arthamas. Jurnal Sains Komputer & Informatika (J-SAKTI ), 5(1).
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro.
Hadija, H., Nuriatullah, N., & Nurfitriani, N. (2020). Pengaruh Religiusitas dan Lokasi Terhadap Keputusan Nasabah Memilih BRI Syariah Dalam Transaksi Kredit Kepemilikan Rumah (KPR) Syariah. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 1(2), 37–55. https://doi.org/10.24239/jipsya.v1i2.10.37-55
Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E., Black, W. C., & Anderson, R. E. (2018). Multivariate Data Analysis. https://doi.org/10.1002/9781119409137.ch4
Harahap, M. H., al Amin, R., & Wibowo, E. A. (2021). Pengaruh Perilaku Konsumen, Kualitas Pelayanan, dan Promosi Terhadap Pengambilan Keputusan Pembelian Produk di Toko Alfamart Pintu 3 Bida Ayu Sei Beduk. Jurnal Jumka, 1(1), 39–48.
Indrasari Meithiana. (2019). Pemasaran & Kepuasan Pelanggan. Cetakan Pertama. Surabaya: Unitomo Press
Istarani. (2014). Model pembelajaran inovatif, Medan. 121–124.
Kotler, P ., & Amstrong, G. (2016). Dasar-Dasar Pemasaran. (Edisi ke S). Erlangga.
Kotler, P. and K. L. K. (2016). Marketing Management. In Journal of Marketing (15th editi, Vol. 37, Issue 1, p. 109). Pearson Education, Inc. https://doi.org/10.2307/1250781
Lestari. (2020). Pengaruh Literasi Keuangan Mahasiswa Terhadap Minat Menabung Di Bank Syariah Dalam Perspektif Ekonomi Islam. Journal of Materials Processing Technology, 1(1), 1–8.
Levy, P. S., & Lemeshow, S. (2013). Sampling of populations: methods and applications. John Wiley & Sons.
Lores, L., & Siregar, R. (2019). Biaya Kualitas, Produktivitas Dan Kualitas Produk?: Sebuah Kajian Literatur. JURNAL AKUNTANSI DAN BISNIS?: Jurnal Program Studi Akuntansi, 5(2), 94. https://doi.org/10.31289/jab.v5i2.2577
Nurrohmah, R. F., & Purbayati, R. (2020). Pengaruh Tingkat Literasi Keuangan Syariah dan Kepercayaan Masyarakat Terhadap Minat Menabung di Bank Syariah. Jurnal Maps (Manajemen Perbankan Syariah), 3(2), 140–153.
Purnama, H. M., & Yuliafitri, I. (2019). Efektifitas Gerakan Literasi Keuangan Syariah Dalam Mengedukasi Masyarakat Memahami Produk Keuangan Syariah. Banque Syar’i?: Jurnal Llmiah Perbankan Syariah, 5(1), 10.
Qorizah, A., & Setiawan Prabowo, P. (2019). Pengaruh Bauran Pemasaran Terhadap Keputusan Nasabah Mengambil KPR Syariah Bank Jatim Syariah Surabaya. Jurnal Ekonomi Islam, 2(2), 149–161.
Sabrina, E. (2024). Pengaruh Literasi Keuangan Syariah Dan Pengetahuan Produk Perbankan Syariah Terhadap Keputusan Penggunaan Bank Syariah Dengan Kecerdasan Spiritual Sebagai Variabel ModerasI (Studi pada Masyarakat Muslim yang Berdomisili di Kota Malang) (Doctoral dissertation).
Selvianti, F., Ibdalsyah, I., & Hakiem, H. (2020). Pengaruh Religiusitas, Label Halal, dan Alasan Kesehatan terhadap Keputusan Membeli Produk Makanan Instan Korea. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 3(2), 183–197. https://doi.org/10.47467/elmal.v3i2.515
Sugiyono. (2018). Metode Penelitian Kuantitatif, Kualitatif, dan R&D.
Waluyo, B. (2024). Pengaruh Literasi Keuangan Syariah , Citra Merek , Harga , dan Promosi Terhadap Minat Milenial Pada BSI Griya. 5(1).
Yuniarka, G. R. (2023). Evaluasi Penentuan Harga POKOK PRODUK PADA NARUNA CERAMIC STUDIO (NCS). Doctoral Dissertation, Universitas Atma Jaya Yogyakarta.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Dalam Pemilihan Kredit Kepemilikan Rumah (KPR)
ARTICLE HISTORY
Issue
Section
Copyright (c) 2024 Dimas Zaenal Arifin, Siti Aisyah, Retno Suwiyanti
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- 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 acknowledgment of its initial publication in this journal.
- 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 (Refer to The Effect of Open Access).
