Pengaruh Religiusitas dan Persepsi Nasabah terhadap Keputusan Memilih Bank Syariah

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh religiusitas dan persepsi para nasabah Perbankan Syariah dalam menentukan pilihan menjadi nasabah di BRI Syariah. Penelitian ini dilakukan untuk melihat seberapa besar pengaruh religiusitas dan persepsi terhadap keputusan memilih perbankan syariah di PT. BRI Syariah di Medan. Jenis penelitian ini adalah penelitian kausal dengan metode pengumpulan data menggunakan metode survey dan teknik pengumpulan data menggunakan teknik kuisioner serta sampel dipilih secara random sampling. Pengolahan data akan dibantu dengan alat analisis data untuk menjawab apakah terdapat pengaruh yang signifikan tingkat religiusitas terhadap keputusan memilih bank syariah pada PT. BRI Syariah KC. S. Parman serta Apakah terdapat pengaruh yang signifikan persepsi terhadap keputusan memilih bank syariah pada PT. BRI Syariah KC. S. Parman. Hasil penelitian menunjukkan, secara simultan religiusitas dan persepsi nasabah berpengaruh secara signifikan terhadap keputusan memilih bank syariah. Sementara secara parsial, hanya variable religiusitas yang memiliki pengaruh positif dan signifikan terhadap keputusan memilih bank syariah. AbstractThe purpose of this research is to determine the influence of religiosity and perceptions of sharia banking customers in determining the choice of becoming a customer at BRI Syariah. This research was conducted to measure the influence of religiosity and perceptions on the decision of choosing sharia banking in PT. BRI Syariah in Medan. The type of this research is causal research with data collection method using survey method and data collection technique using questionnaire technique and sample is choosen by random sampling. Data processing using data analysis tool to answer whether there is a significant influence the level of religiosity to the decision of choosing Islamic banks at PT. BRI Syariah KC. S. Parman and is there any significant influence perception on decision of choosing sharia bank at PT BRI Syariah KC. S. Parman. The results showed, simltaneously the religiosity and perception of customers significantly influence the decision to choose Islamic banks. While partially, only variable religiosity has a positive and significant influence on the decision to choose Islamic banks.

Perception of Sharia Banks Comparison Between Baby Boomers Generations and Millennial Generations

“…Based on studies from (Imran & Hendrawan, 2018) and (SAPUTRA & KHOIRUL ANWAR, 2019) that when perceptions about Islamic banks (perceptions of bank interest, and profit-sharing) increase, it will increase interest in choosing Islamic banks. This finding is in line with what was expressed by (Zuhirsyan & Nurlinda, 2018) that religiosity and perception simultaneously (together) have a positive impact on the decision to choose a sharia bank. Ethical perceptions will also impact the customer switching intention of Islamic Banks (Jannah & Arry Widodo, 2018).…”

“…Customer religiosity does play an essential role in the decision process for customers to choose Islamic banks. According to (Zuhirsyan & Nurlinda, 2018), partially religiosity is more influential on the decision to choose a sharia bank than perception. In the case in Afghanistan (Safi et al, 2020) found that customer choice of Islamic bank products is influenced by the variable of religiosity (religious belief).…”

Customer's Decisions To Save In Sharia Banking Among Jakarta Millennial

“…Religiosity, which is a religious act in a person related to the banking world, namely avoiding usury, is considered capable of influencing the decision to become a customer. This is supported by previous research conducted by (Zuhirsyan & Nurlinda, 2018). A previous study states that promotional factors greatly influence making customer decisions to save at Islamic banks (Hasanuddin, SS, & Nofrianto, 2019).…”

“…Religiosity is the act of someone related to the wider community in developing creative devotion to God. A religiosity is a form of complete integration between religious knowledge, feelings, and religious actions within a person (Zuhirsyan& Nurlinda, 2018). A religiosity is also a form of belief in believing in one's religion by practicing and obeying all the rules contained therein and doing things related to worship happily without coercion.…”

“…However, other research states that knowledge does not affect a customer's decision to save in Islamic banking (Rahmawati & Hidayati, 2019). Then the previous research suggested that religiosity influences in determining the decision to save in Islamic banks (Bawono & Oktaviani, 2016;Maisur, Arifin, & M.Shabri, 2015;Zuhirsyan & Nurlinda, 2018). But other research states that religiosity does not influence customers' decisions to save in Islamic banking (Pakkawaru, 2018).…”