Non-Muslim Determinants Using Islamic Financial Institutions
Abstract
Abstrak
Lembaga keuangan syariah memiliki market share yang cukup besar, terdiri dari masyarakat Muslim maupun non Muslim. Berdasarkan data yang ada, jumlah non Muslim di Padangsidimpuan mencapai 8,27% dari total jumlah penduduk. Namun yang telah menjadi nasabah lembaga keuangan syariah belum mencapai 10% dari jumlah yang ada. Tujuan penelitian menganalisis pengaruh lokasi, pelayanan, fasilitas, keuntungan, religiusitas, produk, dan promosi terhadap perilaku nasabah. Penelitian ini merupakan jenis penelitian kuantitatif, dengan menggunakan analisis regresi linier berganda. Sampel penelitian berjumlah 57 orang nasabah non Muslim. Teknik sampling yang digunakan adalah acidental sampling. Hasil penelitian menyimpulkan bahwa secara parsial lokasi, fasilitas, stimulan religi, dan produk tidak memiliki pengaruh yang signifikan terhadap keputusan non Muslim memilih lembaga keuangan syariah di Padangsidimpuan. Sementara itu, secara parsial pelayanan, keuntungan, dan promosi memiliki pengaruh yang signifikan terhadap keputusan non Muslim memilih lembaga keuangan syariah di Padangsidimpuan. Namun secara simultan, semua variabel bebas memiliki pengaruh signifikan terhadap variabel terikat.
Abstract
Islamic financial institutions have a large market share, consisting of Muslim and non-Muslim communities. Based on existing data, the number of non-Muslims in Padangsidimpuan reaches 8.27% of the total population. However, those who have become customers of Islamic financial institutions have not yet reached 10% of the existing amount. The research objective is to analyze the effect of location, service, facilities, benefits, religiosity, product and promotion on customer behavior. This research is a type of quantitative research. The research sample is 57 non-Muslim. The sampling technique used is accidental sampling. The results, that partially location, facilities, religious stimulants, and products did not have a significant effect on the decision of non-Muslims to choose an Islamic financial institution. Meanwhile, partially, services, benefits, and promotions have a significant influence on the decision of non-Muslims to choose Islamic financial institutions. But simultaneously, all independent variables have a significant influence on the dependent variable.
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DOI: https://doi.org/10.24952/masharif.v10i2.6523
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