Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru

Journal Of Sharia Banking Pub Date : 2021-12-15 DOI:10.24952/jsb.v2i2.4946

Ika P. N. Purnama, Nofinawati Nofinawati, Sarmiana Batubara, Ferri Alfadri

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引用次数: 1

Abstract

The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.

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巴塘托鲁地区社区利益的决定因素使用公共黄金产品在巴塘托鲁PT银行

巴塘托鲁地区民众对使用黄金分期付款产品缺乏兴趣。黄金价格的上涨使得一些人倾向于持有黄金。这使得人们对拥有黄金的兴趣也增加了。黄金分期付款产品吸引了人们对拥有黄金的关注。然而，发生在巴塘托鲁街道的人们身上的事情是，他们觉得银行给社区的首付负担太重，首付是20%，所以社区更愿意用传统的方式分期付款购买黄金，而不是伊斯兰教。本研究旨在探讨促销、价格及服务品质是否会影响巴塘托鲁地区人民在巴塘托鲁银行使用黄金分期付款产品的兴趣。本研究运用的理论有公共利益理论、促销理论、价格理论、服务质量理论。本研究为定量研究，采用多元回归分析，资料收集技术采用问卷调查，样本为巴塘托鲁区100人。抽样技术是附带抽样。数据处理采用SPSS version 23进行。研究人员进行分析的结果，部分研究的结果(t检验)表明，促销对巴塘托鲁地区人民使用PT. Bank Syariah Mandiri KCP巴塘托鲁地区黄金分期产品的兴趣有影响。价格对巴塘托鲁地区人民在巴塘托鲁银行使用黄金分期付款产品的利益有影响。服务质量对巴塘托鲁地区人民在巴塘托鲁银行使用黄金分期付款产品的利益有影响。从促销F测试来看，价格和服务质量同时影响巴塘托鲁地区人民使用PT Bank Syariah Mandiri KCP巴塘托鲁的黄金分期产品的利益。

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Journal Of Sharia Banking

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