Pengaruh Faktor Kebudayaan, Sosial, Pribadi dan Psikologis terhadap Keputusan Memilih Bank Syariah di Kota Yogyakarta (Studi pada Masyarakat Non Muslim Kota Yogyakarta)
DOI:
https://doi.org/10.18592/at-taradhi.v10i2.3338Abstract
The existence of Islamic banks has a direction and purpose to provide great benefit to all people in Indonesia. During this time, the public views Islamic banking products only for Muslims. While the fact is that many non-Muslim communities are customers in Islamic banks. This research uses a descriptive quantitative approach methodology based. Data were processed using SEM analysis of Covarian Based Structural Equation Modeling (CBSEM) with the help of IBM SPSS Amos software, 20. The results of this study indicate that overall the decision to choose can be influenced by cultural, social and psychological factors. In testing of each variable, it was found that all hypotheses were acceptable unless personal factors showed a negative and not significant effect on the decision of non-Muslim communities to become customers of Islamic banks. In testing the correlation of each variable it was found that the strongest correlation was between culture and social of 0.642.Keberadaan bank syariah memiliki arah dan tujuan untuk memberikan kemaslahatan kepada seluruh masyarakat di Indonesia. Selama ini, masyarakat memandang perbankan syariah sebatas hanya untuk yang beragama muslim. Sedangkan faktanya banyak masyarakat non muslim yang menjadi nasabah di bank syariah. Penelitian ini menggunakan metode pendekatan kuantitatif deskriptif. Data diolah menggunakan analisis SEM yang berjenis Covarian Based Structural Equation Modeling (CBSEM) dengan bantuan software IBM SPSS Amos, 20. Hasil penelitian ini menunjukkan bahwa secara keseluruhan keputusan memilih bank syariah di kota Yogyakarta dapat dipengaruhi oleh faktor kebudayaan, sosial dan psikologis. Pada pengujian dari setiap variabel ditemukan bahwa seluruh hipotesis dapat diterima kecuali faktor pribadi menunjukkan pengaruh negatif dan tidak signifikan terhadap keputusan masyarakat non muslim menjadi nasabah bank syariah. Pada pengujian korelasi dari setiap variabel ditemukan bahwa korelasi yang paling kuat adalah antara kebudayaan dan sosial sebesar 0.642.References
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