The Influence of Consumer Insight, Religiosity, and Trust on Decisions to Become a Customer at Bank Syariah Mandiri Bandar Lampung Branch Office

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh wawasan konsumen, religiusitas, dan kepercayaan terhadap keputusan menjadi nasabah pada kantor cabang bank syariah independen di Bandar Lampung. Penelitian ini menggunakan metode non probability sampling dan teknik purposive sampling, dengan mengambil sampel sebanyak 100 responden yang merupakan nasabah Bank Syariah Mandiri Kantor Cabang Bandar Lampung. Penelitian ini bersifat kuantitatif dan pengumpulan data dilakukan melalui kuesioner, namun metode analisis data yang digunakan adalah regresi berganda. Hasil penelitian membuktikan bahwa consumer insight, religiositas, dan belief secara parsial dan simultan berpengaruh signifikan terhadap keputusan menjadi nasabah Bank Syariah Mandiri cabang Bandar Lampung. Dari sudut pandang ekonomi Islam, pengambilan keputusan dalam ekonomi Islam lebih menitikberatkan pada asas keadilan, yang dapat dijadikan contoh bahwa putusan hakim dalam merumuskan suatu undang-undang harus tepat dan tegas dalam memutus suatu perkara peradilan. This study aims to determine the effect of consumer insight, religiosity, and trust on the decision to become a customer at an independent Islamic bank branch office in Bandar Lampung. This study uses a non-probability sampling method and purposive sampling technique, by taking a sample of 100 respondents who are customers of Bank Syariah Mandiri Bandar Lampung Branch Office. This research is quantitative and data collection is done through questionnaires, but the data analysis method used is multiple regression. The results of the study prove that consumer insight, religiosity, and belief partially and simultaneously have a significant effect on the decision to become a customer of the Bank Syariah Mandiri Bandar Lampung branch. From the point of view of Islamic economics, decision-making in Islamic economics is more concerned with the principle of justice, which can be used as an example that the judge's decision in formulating a law must be precise and firm in deciding a judicial case.