Knowledge of Usury, Perceived Ease of Use, Perceived Usefulness And Religiosity of The Voting Community BPR In Bukittinggi City

Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Pub Date : 2024-02-05 DOI:10.36908/isbank.v9i2.1071

Nirwan Saputra, Asyari Asyari

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Abstract

This study aims to find out how much influence knowledge about usury, perceived ease of use, perceived usefulness and religiosity of urban people choose BPRS in Bukittinggi City. This form of research is quantitative correlational. The population in this study is BPRS customers in Bukittinggi City with a population of 26,695 customers. In this study, a sample of 162 respondent customers. Furthermore, the determination of sampling is carried out by purposive sampling method. The criteria used in this study are the Muslim community of Bukittinggi City and become BPRS customers in Bukittinggi City. The analysis of this study used WarpPLS 5.0. The results showed that the variable Knowledge About Riba had a significant positive effect on Choosing BPRS with a significant value of 0.01 < 0.05. The variable Perceived Ease Of Use has a significant positive effect on Choosing BPRS with a significant value of 0.01 < 0.05. Perceived of Usefulness has a positive insignificant effect on Choosing BPRS with a significant value of 0.10 which means >0.05. and Religiosity has a positive and significant effect on Choosing BPRS with a significant value of 0.01 < 0.05. The results showed that Knowledge of Riba contributed to choosing BPRS by 0.89 (89%). Perceived Ease Of Use has a contribution to Choosing BPRS of 0.79 (79%). Perceived of Usefulness has a contribution value of 0.02 (2%). Religiosity has a contribution to choosing BPRS of 0.70 (70%).

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武吉丁宜市投票社区对高利贷的了解、对使用便利性的看法、对实用性的看法和宗教信仰

本研究旨在找出武吉丁宜市城市居民在选择 BPRS 时对高利贷知识、易用性感知、有用性感知和宗教信仰的影响程度。本研究为定量相关研究。本研究的研究对象是武吉亭吉市的 BPRS 客户，共有 26,695 名客户。本研究的样本为 162 名受访客户。此外，抽样的确定采用目的抽样法。本研究采用的标准是武吉丁宜市的穆斯林社区，并成为武吉丁宜市的 BPRS 客户。本研究使用 WarpPLS 5.0 进行分析。结果显示，变量 "Riba 知识 "对选择 BPRS 有显著的正向影响，显著值为 0.01 < 0.05。变量 "感知易用性 "对 "选择 BPRS "有显著的正向影响，显著值为 0.01 < 0.05。宗教信仰对选择 BPRS 有积极和显著的影响，显著值为 0.01 < 0.05。结果显示，对 Riba 的了解对选择 BPRS 的影响为 0.89（89%）。感知易用性对选择 BPRS 的贡献率为 0.79（79%）。认为有用的贡献值为 0.02（2%）。宗教信仰对选择 BPRS 的贡献值为 0.70（70%）。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah

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