Article Sidebar

Download
PDF
Statistic
Read Counter : 111 Download : 69

Main Article Content

Abstract

Penelitian ini focus pada pengetahuan konsumen sejauhna implikasinya terhadap ragam keputusan nasabah terhadap pembiayaan murābahah di K-BMT Bina Keluarga Mandiri Cileunyi Kabupaten Bandung. Teknik pengumpulan data menggunakan kuesioner dan studi Pustaka dengan metode deskriptif kuantitatif, yaitu suatu bentuk penelitian berbasis data yang dikumpulkan secara sistematis mengenai fakta dan sifat dari objek yang diteliti. Penentuan ini dirancang untuk menentukan besarnya implikasi variabel X independen (pengetahuan konsumen) dan variabel Y dependen (keputusan nasabah). Hasil penelitian, menunjukan bahwa kecenderungan rata-rata skor total pengetahuan konsumen sebesar 78,43% kategori dan kecenderungan memutuskan menjadi nasabah pembiayaan murābahah yaitu 70,25%, keduanya kategori kuat dari skor ideal, berarti skor total pengetahuan konsumen termasuk dalam kategori kuat atau baik dipandang dari kriteria ideal.


This research focuses on consumer knowledge as far as the implications for various customer decisions on murābahah financing at K-BMT Bina Keluarga Mandiri Cileunyi Kabupaten Bandung. Data collection techniques use questionnaires and literature studies with quantitative descriptive methods, which is a form of data-based research that is systematically collected on facts and the nature of the object being studied. This determination is designed to determine the magnitude of the implications of independent X variables (consumer knowledge) and dependent Y variables (customer decisions). The results showed that the average trend of total consumer knowledge score of 78.43% category and the tendency to decide to become a murābahah financing customer is 70.25%, both Strong categories of ideal scores, meaning that the total score of consumer knowledge falls into the category of strong or well viewed from ideal criteria.

Keywords

keputusan murābahah pengetahuan decisions knowledge

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

References

  1. Ahmad Saebani, B. (2017). Pedoman Aplikatif Metode Penelitian dalam Penyusunan Karya Ilmiah, Skripsi, Tesis, dan Disertasi (Ke-1). Pustaka Setia.
  2. Al-Zuhayli, W. (2004). Al-Fiqh Al-Islām Wa Adillatuh (Juz IV). Dār Al-Fikr.
  3. Antonio, M. S. (2004). Bank Syariah dari Teori ke Praktik (Kedelapan). Tazkia Cendekia.
  4. Ascarya. (2015). Akad & Produk Bank Syariah (Cetakan ke). Raja Grafindo Persada.
  5. Asiyah, B. N. (2014). Manajemen Pembiayaan Bank Syariah. Teras.
  6. Customer Interview. (2019). Customer Interview K-BMT Bina Keluarga Mandiri, Tanggal 26-12-2019.
  7. Engel, J.F., Blackwell, R.D., & Miniard, P. W. (1993). Consumer Behavior (8th ed.). Dryden Press.
  8. Etta Mamang Sangadji Sopiah Nikoemus WK. (2014). Perilaku Konsumen-Pendekatan Praktis Disertai Himpunan Jurnal Penelitian. CV Andi Offset.
  9. Hertanto Widodo, A. et al. (1999). PAS (Pedoman Akuntansi Syariah) Panduan Praktis Operasional Baitul Maal Wa Tamwil (BMT) (Cetakan I). Mizan.
  10. Ismail. (2011). Manajemen Perbankan-Dari Teori Menuju Aplikasi (Cetakan II). Kencana Prenadamedia Group.
  11. K Lewis, Mervyn, Lativa M Algaoud, T. B. W. (2004). Perbankan Syariah Prinsip Praktik dan Prospek. Serambi Ilmu Semesta.
  12. Mowen, J. C. and M. (2001). Consumer Behaviour (5th edition ed.). Harcourt College Publisher
  13. Ridwan, M. (2004). Manajemen Baitul Maal Wa Tamwil (BMT). UII Press.
  14. Sarwono, J. (2012). Path Analysis dengan SPSS. PT. Elex Media Komputindo.
  15. Schiffman, LG. & Kanuk, L. (2004). Consumer behavior, 8th International edition. Prentice Hall (8th Intern). Prentice Hal. http://www.sciepub.com/JBMS/content/4/4
  16. Setiadi, N. J. (2019). Perilaku Konsumen-Perpektif Kontemporer pada Motif, Tujuan, dan Keinginan Konsumen (Cetakan ke). Prenadamedia Group.
  17. Sudaryono. (2016). Manajemen Pemasaran Teori dan Implementasi. CV Andi Offset.
  18. Sugiyono. (2019). Metode Penelitian Kuantitatif Kualitatif dan R & D (Kesatu-Cet). Alfabeta Bandung.
  19. Sumarwan, U. (2011). Perilaku Konsumen Teori dan Penerapannya (Kedua). Ghalia Indonesia.
  20. Sunarto. (2018). Analisis Perilaku Konsumen Terhadap Keputusan Pembelian Handphone Xiaomi Redmi 3S. Moneter, V No. 1 (https://ejournal.bsi.ac.id/ejurnal/index.php/moneter/issue/viewDownloadInterstitial/222/218). https://doi.org/10.31294/moneter.v5i1.2985
  21. Tjiptono, F. (2010). Manajemen Pemasaran (Edisi III). Penerbit Andi Offset.
  22. Zaenal, A. (2001). Memahami Bank Syari’ah, Lingkup Peluang dan Tantangan. Alvabeth.