Analisis Pengaruh Kualitas Produk dan Kualitas Pelayanan Terhadap Minat Nasabah Menabung pada PT. BSI Cabang Padangsidimpuan
DOI:
https://doi.org/10.30651/jms.v7i2.12324Abstract
Customer interest is a high-value asset for banks, if customer interest increases, profits also increase. But in fact, customers complain about the services provided by the bank because it is not in accordance with customer expectations. The formulation of the problem in this study is whether there is an effect of product quality and service quality both partially and simultaneously on the interest of customers in PT Bank Syariah Mandiri Branch in Padangsidimpuan. The discussion of this research relating to product quality and service quality to customers is interesting. In connection with that, the approach taken is theories related to product quality, service quality, and customer interest. Service is any action or activity that can be offered by a party to another party, which is basically intangible and does not result in any ownership. This study uses a quantitative research approach, data collection techniques include questionnaires, with as many as 56 respondents as customers. The analysis used in this study is validity test, reliability test, descriptive analysis, normality test, linearity test, determination test (R2), multiple linear regression, t-test, and f test. The results obtained showed that the value of R Square was 0.785 or 78.5%. The T-test shows there is a significant influence between product quality on the interest of customers to save at PT. Bank Syariah Mandiri Padangsidimpuan Branch. Likewise, there is an influence between the quality of service to the interests of customers saving at PT. Bank Syariah Mandiri Padangsidimpuan Branch. The F test shows that simultaneously product quality and service quality have a significant effect on the interests of customers saving at PT. Bank Syariah Mandiri Padangsidimpuan Branch.References
Ali Zainuddin, Hukum Perbankan Syariah (Jakarta: Sinar Grapika, 2008) Anwar, Dessy, Kamus Bahasa Indonesia (Surabaya: Karya Abditama, 2001)
Arikunto, Suharsimi, Prosedur Penelitian: Suatu Pendekatan Praktek (Jakarta: Rineka Cipta, 2006)
Assauri, Sofjan, Manajemen Pemasaran (Jakarta: Raja Grapindo Persada, 2014) Atika, Pengaruh Kualitas Produk dan Pelayanan Terhadap Minat Nasabah Menabung di PT. BNI Syari’ah CAPEM Plered ( IAIN Syekh Nurjati Cirebon, 2017)
Al Arif , M. Nur Rianto, Dasar-Dasar Pemasaran Bank Syariah (Bandung: Alfabeta, 2012).
Fahrian, Pengaruh Kualitas Pelayanan Jasa Terhadap Loyalitas Nasabah Bank BNI 46 Malang (Studi Pada Nasabah BNI 46 Malang Kantor Cabang Pembantu Universitas Negeri Malang), (UIN Malang)
Fadhilah, Layla Nasution, Skripsi (Epektifitas Payment Point dalam menarik Minat mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Padangsidimpuan Menjadi Nasabah Pada Bank Syariah Mandiri Cabang Padangsidimpuan, 2016)
Hasan, Ali, Marketing Bank Syariah (Bogor: Ghalia Indonesia, 2010)
Ismail, Manajemen Perbankan Dari Teori Menuju Aplikasi Edisi Pertama, (Jakarta: Kasmir, Pemasaran Bank (Jakarta :Kencana, 2010)
Karunia Eka Lestari dan Mumammad Ridwan Yuda Negara, Penelitian Pendidikan Matematika (Bandung: Refika Aditama, 2015)
Kasmir, Pemasaran Bank (Jakarta : Kencana, 2010).
Kuncoro, Mudrajad, Metode Riset untuk Bisnis dan Ekonomi (Jakarta: Erlangga, 2014).
Khaerul Umam, Manajemen Perbankan Syariah, (Bandung: CV Pustaka Setia, 2013)
Maya, Pengaruh kualitas produk dan kualitas pelayanan terhadap loyalitas nasabah di PT. Bank Bank Sumut Kantor Cabang Pembantu Syariah Panyabungan,(IAIN Padangsidimpuan, 2017)
Melayu S.P. Hasibuan, Dasar-dasar Perbankan (Jakarta: PT. Bumi Aksara, 2009).
Nurdin, Ridwan, Akad-Akad Fiqh Pada Perbankan Syariah di Indonesia Sejarah Konsep dan Perkembangannya, (Banda Aceh: Yayasan Pena,2010)
Nasution M.N, Manajemen Jasa Terpadu (Bogor: Ghalia Indonesia, 2004).
Philip Kotler, Manajemen Pemasaran di Indonesia (Jakarta: Salemba Empat, 2000).
Rafsanjani, H. (2022). Confirmatory Factor Analysis (CFA) untuk Mengukur Unidimensional Indikator Pilar Pengembangan Perbankan Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 7(2).
Rafsanjani, H. (2018). Faktor-Faktor Yang Mempengaruhi Non-Performing Financing: Studi Kasus Pada Bank Dan BPR Syariah Di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), 149-167.
Rafsanjani, H., & Sukmana, R. (2014). Pengaruh perbankan atas pertumbuhan ekonomi: studi kasus bank konvensional dan bank syariah di Indonesia. Jurnal Aplikasi Manajemen, 12(3), 492-502.
Rusdianto, Hutomo†Pengaruh Bank Syariah Terhadap Minat menabung Dengan Persepsi Masyarakat Sebagai Variabel Moderating di Pati†dalam Jurnal Equilibrium, Volume 4, Nomor 1, Juni 2016.
Saleh, Abdul rahman dan Muhbib Abdul Wahab, Psikologi Suatu pengantar dalam Perspektif Islam (Jakarta: Kencana, 2004).
Sugiyono, Metode Penelitian Pendidikan Pendekatan kuantitatif Kualitatif (Bandung: Alfabeta, 2013).
Sumantri, Bogja “Pengaruh Kualitas Pelayanan dan Produk Pembiayaan terhadap minat dan keputusan menjadi nasabah di Bank Syariah†dalam Jurnal Ekonomia, Volume 10, Nomor 2, Oktober 2014.
Trisnadi, Dedy, “Pengaruh kualitas Produk Dan Kualitas layanan Terhadap Minat Menabung Kembali di CIMB Niagaâ€, Jurnal MIX, Volume, 6. No.3 Oktober (2013).
Wirdayani Wahab,†Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Industri Perbankan Syariah di Kota Pekanbaru,†dalam Jurnal Maqdis :Jurnal Kajian Ekonomi Islam, Volume 2, No. 1 , Januari-Juni 2017 www.Syariamandiri.co.id
www.Teropong.
Downloads
Published
How to Cite
Issue
Section
License
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.
Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:
- Patent and trademark rights and rights to any process or procedure described in the article.
- The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
- The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.
