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Agus Salim
Universitas Ibnu Chaldun Jakarta
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice

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Analisis Faktor-Faktor Yang Mempengaruhi Minat Nasabah Memilih Tabungan Produk Wadiah Pada Bank Dki Syariah KCP Matraman Muhammad Faizin Akbar; Hartini Salama; Agus Salim
Forum Cendekia: Jurnal Ilmiah Multidisipliner Vol 2 No 2 (2025)
Publisher : DPW FORSILADI SULSEL

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This research aims to analyze the factors that influence customer interest in choosing Wadiah savings products at Bank DKI Syariah KCP Matraman. The research method used is a qualitative approach by distributing questionnaires to customers who have Wadiah savings. The factors studied include understanding sharia principles, level of trust, ease of access to services, and promotions carried out by banks. The data obtained was analyzed using multiple linear regression to identify the most dominant factors influencing customer decisions. The research results show that the level of trust and understanding of sharia principles has a significant influence on customer interest, while ease of service access and promotions have a lower influence. These findings provide recommendations to Bank DKI Syariah to further improve education related to sharia principles and strengthen customer trust as the main strategy in increasing interest in Wadiah products.
Analisis Tingkat Pemahaman Masyarakat Terhadap Produk Pembiayaan Kredit Pemilikan Rumah ( KPR ) Pada Bank DKI Syariah Kantor Cabang Pembantu (KCP ) Matraman Suci Rahmadani; Agus Salim; Hartini Salama
Forum Cendekia: Jurnal Ilmiah Multidisipliner Vol 2 No 1 (2025)
Publisher : DPW FORSILADI SULSEL

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Abstract This study aims to analyze the level of public understanding of the Home Ownership Loan (KPR) products offered by Bank DKI Syariah KCP Matraman. Given the importance of a good understanding of sharia mortgage products, this study focuses on aspects that affect people's understanding, such as knowledge of sharia principles, product benefits, and the mortgage application process. Data was collected through a survey involving respondents from the community around KCP Matraman, who have or have the potential to use sharia mortgage products. The results of the study show that the level of public understanding of sharia mortgage products at Bank DKI Syariah KCP Matraman is at a moderate level, with several factors such as ineffective socialization and low Islamic financial literacy being the main obstacles. These findings indicate the need to increase education and socialization about sharia mortgage products to increase public understanding, which is ultimately expected to increase interest and use of these products
Co-Authors Hartini Salama Muhammad Faizin Akbar Suci Rahmadani