FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN ANGGOTA DALAM MENGGUNAKAN JASA KEUANGAN KSPPS BMT BERINGHARJO YOGYAKARTA

AFIFAH NURLAILA, NIM. 12390056 (2016) FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN ANGGOTA DALAM MENGGUNAKAN JASA KEUANGAN KSPPS BMT BERINGHARJO YOGYAKARTA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Competition in the Financial Institutions of Shariah in Indonesia has experienced good growth, this applies also to Baitul Mall wa Tamwil (BMT). The diversity of products and services offered by financial institutions provide large opportunity for consumers to choose a financial institution which is appropriate to their needs. Decision-making is influenced by internal and external factors. One of external factors that influence the decision of members in the use of financial services in BMT Beringharjo is a mix of marketing and consumers behavior, that is cultural and social factors, while for the internal factor is from consumer behavior, those are psychological factors and personal members. Thus, this study will examine the effect of price, product, promotion, employee, physical evidence, process, location, cultural, social, personal and psychological against the decision of the members in using BMT Beringharjo Yogyakarta financial services. This study included field research category. The problem in this research is how big the influence of product, price, promotion, employee, physical evidence, process, cultural, social, personal, and psychological simultaneously and partially to the decision of members in using financial services at KSPPS BMT Beringharjo Yogyakarta. This study uses quantitative data and uses the questionnaire as a data collection tool. The samples used in this study are members of BMT Beringharjo Yogyakarta with the number of 510 respondents. Sample selection was done with the “kuota sampling” method. The dependent variable in this study is the decision of the members, while the independent variables are the price, product, promotion, employee, physical evidence, process, location, cultural, social, personal, and psychological. Tests in this study using multiple linear regression. The results showed that simultaneous (Test F) variable factor of price, product, promotion, employee, physical evidence, process, location, cultural, social, personal, and psychological influence on the members decision amounted to 40.14%. Partially (Test t) indicates that the variable factor of the product, employee, physical evidence, process, culture, personal and psychological have a significant positive effect on the members decision in using the financial services at KSPPS BMT Beringharjo Yogyakarta. While the price factor, promotion, social, and location do not significantly influence to the member decisions.

Item Type: Thesis (Skripsi)
Additional Information / Pembimbing: JOKO SETYONO, SE, M.SI NIP. 19730702 200212 1 003
Uncontrolled Keywords: Marketing Mix, Price, Product, Promotion, Employee, Physical Evidence, Location, Cultural, Social, Personal, Psychological, Member Decisions, Financial Services, BMT Beringharjo.
Subjects: Keuangan Syariah
Divisions: Fakultas Ekonomi dan Bisnis Islam > Keuangan Syariah (S1)
Depositing User / Editor: Drs. Bambang Heru Nurwoto
Date Deposited: 14 Feb 2017 03:30
Last Modified: 14 Feb 2017 03:30
URI: http://digilib.uin-suka.ac.id/id/eprint/23997

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