ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH DALAM MENGAMBIL SIMPANAN WADI’AH (Studi Pada BMT Hasanah Jabung Ponorogo)

Abstract

Abstract: This study aims to analyze the factors that influence customer decisions in taking wadi'ah deposits, studies at BMT Hasanah Ponorogo. This research is important because there are various banking products that suit the needs and desires of customers. The customer's desire arises because psychological factors influence the customer's decision to choose a banking product. Recognition of needs, extracting information, evaluating alternatives, buying decisions and post-purchase behavior are stages in making economic decisions. This research is a quantitative research, with data collection techniques using questionnaires to 100 respondents, while the data analysis technique uses path analysis through SPSS software. The results show that product variables have a significant and positive effect directly on psychological factors, with a calculated t value of 8,040> t table is 1,984 and significant value is 0,000 t table of 1.984 and a significant value of 0.022 t tabel sebesar 1,984 dan nilai signifikan 0,000 t tabel sebesar 1,984 dan nilai signifikan 0,022< 0,05. Serta pengaruh tidak langsung produk terhadap keputusan nasabah melalui faktor psikologis sebagai variabel perantara berpengaruh sebesar 0,156, terbukti dengan analisis regresi, sedangkan pengaruh langsung produk terhadap keputusan nasabah sebesar 0,681.

Keywords

• produk
• psikologis
• keputusan nasabah