FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENABUNG MENGGUNAKAN AKAD MUDHARABAH DI BANK BNI SYARIAH

IMAN FAJAR PRATAMA, NIM. 10391007 (2016) FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENABUNG MENGGUNAKAN AKAD MUDHARABAH DI BANK BNI SYARIAH. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Customers decisions in saving mudharabah influenced by several factors, both internal factors and external factors. By improving advertise quality and establish a good image and increase trust and division ratio of interest will increase the interest of customers to banks. The level of income is also a reason for customers to use banking products or services. By always pay attention to these factors, the customer will decide to use the products or services of the company. The purpose of this study was to analyze the factors that influence the decision to save mudharabah in BNI sharia. This research is the primary data through questionnaires. The study was conducted on 100 respondents to the sampling method nonprobability sampling with sampling techniques quota. While the analysis of the data used in this research is the analysis descriptive, multiple linear regression analysis, test the research instrument, the classical assumption test, and hypothesis testing (simultaneous test and test Partial). Based on the analysis performed by t test (partial) that advertising variables significant negative effect on the decision to save mudarabah with regression coefficient of -2.124 with a significance of 0.036. Image variable positive and significant impact on the decision to save mudarabah with regression coefficient of 5,411 with 0,000 significance. Trust variable positive and significant impact on the decision to save mudarabah with regression coefficient of 2,186 with 0,031 significance. While revenue sharing variable positive and significant impact on the decision to save mudarabah with regression coefficient of 1,986 with significance of 0.029. And income variable positive and significant impact on the decision to save mudarabah with regression coefficient of 2,108 with significance 0.038.

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