Section Articles

Analysis of the Effect of Deciding to Become a Sragen Sharia Bank Customer with Trust as an Intervening Variable

Ika Yulianti
[email protected] (Primary Contact)

Main Article Content

Abstract

This study aims to analyze what factors are able to influence the customer's decision to choose Syaiah Bank Sragen with the variables of consumer knowledge, halal lifestyle, and bank reputation on the decision to become a Sragen sharia bank customer with trust as an intervention variable. In this research, quantitative method. The data used is primary data, through the distribution of questionnaires to the respondents, namely the customers of Sharia Bank Sragen as many as 100 respondents. This hypothesis is a multiple linear regression analysis research with t test, f test and deter coefficient test (Adjuster R2) which is processed with SPSS version 24 program. The results of this study state that halal lifestyle and bank reputation have a positive and significant impact on the decision to become a customer of Bank Sragen Syariah. . Meanwhile, consumer knowledge has no effect on the decision to become a customer. Trust has a positive and significant effect on the decision to become a customer. And consumer knowledge and reputation also have a positive and significant impact on trust. And trust is able to mediate consumer knowledge and bank reputation on the decision to become a custome

Keywords

Consumer Knowledge; Halal Lifestyle; Bank Reputation; Customer Trust and Decisions

Article Details

How to Cite
Yulianti, I. (2022). Analysis of the Effect of Deciding to Become a Sragen Sharia Bank Customer with Trust as an Intervening Variable. BANCO: Jurnal Manajemen Dan Perbankan Syariah, 3(2), 75-84. https://doi.org/10.35905/banco.v3i2.2036

References

  1. Adinugraha, H. H., & Sartika, M. (2019). HALAL LIFESTYLE DI INDONESIA. An-Nisbah: Jurnal
  2. Ekonomi Syariah, 5(2). https://doi.org/10.21274/an.2019.5.2.layout
  3. Arifin, J., & Wardani, E. A. (2016). Islamic corporate social responsibility disclosure, reputasi, dan
  4. kinerja keuangan: Studi pada bank syariah di Indonesia. Jurnal Akuntansi & Auditing Indonesia,
  5. 20(1), 37–46.
  6. Faizah, N. (2020). Pengaruh Persepsi Kemudahan Penggunaan, Pengetahuan Konsumen, Dan Efektivitas Terhadap Minat Bertransaksi Menggunakan Financial Technology. Engineering, Construction and Architectural Management, 25(1).
  7. Genoveva, G., & Utami, N. N. (2020). THE INFLUENCE OF BRAND IMAGE, HALAL LABEL,
  8. AND HALAL AWARENESS ON CUSTOMERS PURCHASING DECISION OF HALAL COSMETIC. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 4(2). https://doi.org/10.24912/jmieb.v4i2.8381
  9. Ghozali, I. (2013). Aplikasi Analisis Multivariate Dengan Program IMB SPSS 21. Badan Penerbit
  10. Universitas Diponegoro.
  11. Haron, R., Abdul Subar, N., & Ibrahim, K. (2020). Service quality of Islamic banks: satisfaction, loyalty and the mediating role of trust. Islamic Economic Studies, Vol 28 No, 3–23.
  12. Hendro, O., Asiati, D. I., & Sari, D. P. (2020). PENGARUH PROMOSI, TERHADAP KEPUTUSAN
  13. PENGGUNAAN LAYANAN DIGITAL DIMEDIASI OLEH PENGETAHUAN KONSUMEN DAN KEPERCAYAAN KONSUMEN DI BANK SUMSEL BABEL CABANG PRABUMULIH. Islamic Banking  : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 5(2). https://doi.org/10.36908/isbank.v5i2.117
  14. Husna, H. N. (2020). Pengaruh Islamic Corporate Social Responsibility (Icsr) Terhadap Reputasi
  15. Perusahaan. Jurnal Ilmu Manajemen Dan Akuntansi Terapan (JIMAT), Oktober.
  16. Ismail, & Iriani. (2016). Peran Self Efficacy dalam Meningkatkan Kinerja Koperasi Indonesia. Jurnal
  17. Manajemen Bisnis Indonesia, Vol 4 No 1, 35–50.
  18. Khairiyah, I. (2020). Pengaruh pengetahuan, kualitas produk, dan promosi terhadap keputusan mahasiswa IAIN Madura dalam menggunakan produk Bank Syariah dengan kepercayaan sebagai variabel intervening. UIN Sunan Ampel Surabaya.
  19. Kotler, P., & Keller, K. (2012). Manajemen Pemasaran, Jilid 1 Edisi 12. Erlangga.
  20. Liana, V. (2018). Pengaruh Literasi Keuangan Syariah dan Shariah Governance terhadap Keputusan Mahasiswa dalam Menggunakan Jasa Perbankan Syariah (Studi Kasus pada Kelompok Studi Ekonomi Islam (KSEI) Forshei UIN Walisongo Semaarang). Angewandte Chemie International Edition, 6(11), 951–952.
  21. Liyana, R. T., & Suryawardani, B. (2018). Pengaruh Gaya Hidup Achievers Terhadap Keputusan
  22. Penggunaan Kartu Kredit Pada Pt . Bank Mandiri Tbk. ISSN, Vol 4 No 3, 51–64.
  23. Machali, I. (2017). Metode Penelitian Kuantitatif (A. Q. Habib (ed.)). MPI Fakultas Ilmu Tarbiyah dan
  24. Keguruan UIN Sunan Kalijaga Yogyakarta.
  25. Rachmawati, A. (2020). Pengaruh Consumer Knowledge, Brand Image, Religiusitas, Dan Lokasi
  26. Terhadap Keputusan Menjadi Nasabah Pada Bank Syariah. Jurnal Ekonomi Syariah, 5(1), 1–20. Roflin, E., Liberti, I. A., & Pariyana. (2021). 1.2 Populasi dan Sampel. Eprints.Walisongo.Ac.Id.
  27. Sarjita, S. (2020). Pengaruh Kepercayaan Dan Keamanan Terhadap Minat Beli Konsumen Secara
  28. Online Pada Situs Olx. Jurnal Bisnis, Manajemen, Dan Akuntansi, 7(1).
  29. Sulistiyowati, T. I., & Hakim, L. (2021). Pengaruh Pengetahuan Perbankan Syariah Dan Religiusitas Terhadap Minat Berkarir Di Perbankan Syariah Dengan Sikap Sebagai Variabel Moderasi. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi), 12(01).
  30. Suryani, & Titik. (2013). Perilaku Konsumen di Era Internet (Implikasinya pada Strategi Pemasaran).
  31. Graha Ilmu.
  32. Tabrani, M., Amin, M., & Nizam, A. (2018). Trust, commitment, customer intimacy and customer loyalty in Islamic banking relationships. International Journal of Bank Marketing.
  33. Umiyati, Syaima, & Nadiyya. (2018). Pengaruh Merek, Reputasi, Kualitas Pelayanan dan Lokasi terhadap Proses Keputusan Nasabah Menggunakan Produk Tabungan di BJB Syariah, Ciputat. Liquidity, Vol 7 No 2, 108–123.
  34. Wahyuni, & Sri. (2017). Pengaruh Persepsi Kualitas Pelayanan Dan Bagi Hasil Terhadap Minat
  35. Masyarakat Menjadi Nasabah Bank Syari’ah. At-Tawassuth, Vol 2 No 2, 437–459.