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All Journal Economica: Jurnal Ekonomi Islam Martabe : Jurnal Pengabdian Kepada Masyarakat Shirkah: Journal of Economics and Business Journal of Islamic Accounting and Finance Research Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics, Management, and Business (JIEMB) Jurnal Pengabdian Masyarakat Bangsa Balance: Journal of Islamic Accounting
Istiariani, Irma
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Journal : AL-ARBAH: Journal of Islamic Finance and Banking

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The Influence of Cross-Selling Marketing and Service Quality on the Decision to Use Murabahah Financing Products with Member Trust as a Moderating Variable Mazro'atul, Himmah; Huda, Nur; Istiariani, Irma
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 7 No. 2 (2025)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2025.7.2.27214

Abstract

Purpose - This study aims to analyze the influence of cross-selling marketing and service quality on the decision to use murabahah financing products with member trust as a moderating variable at KSPPS Nusa Ummat Sejahtera KC Sudirman, Semarang City. Method - This study used a quantitative approach, collecting data through questionnaires distributed to members using murabahah financing products at KSPPS Nusa Ummat Sejahtera KC Sudirman. Data analysis was conducted using multiple regression and moderated regression analysis to test the proposed hypothesis. Result - The results of the study indicate that cross-selling marketing and service quality have a positive and significant influence on the decision to use murabahah financing products. The results of the study using moderated regression analysis showed that cross-selling marketing had a negative and significant influence, service quality had a positive and significant influence, trust had a positive and significant influence and strengthened cross-selling marketing relationships, trust had a negative and significant influence and weakened service quality on the decision to use murabahah financing products. Implication - This study identifies the use of murabahah financing products at KSPPS Nusa UMmat Sejahtera KC Sudirman, Semarang City. Originality - The originality of this research lies in its specific focus, namely the Sharia Savings and Loans and Financing Cooperative (KSPPS) as the object of research and also highlights the important role of member trust as a moderating variable between cross-selling marketing, service quality and Murabahah financing decisions. Keywords: Cross Selling Marketing, Service Quality, Trust, Murabahah Financing, Savings and Loan Cooperatives, Sharia Financing.  
Co-Authors Ainaya, Najwa Amalia, Farah Andi Sri Wahyuni Arifah, Uliya Azzahra, Cantika Salma Fatahila, Alfiyan fataron, zuhdan ady Fissabila, A`yun Kristin Prasetyoningrum, Ari Mazro'atul, Himmah Rahman El Junusi Sahilla Binti Mohd Amir Hamzah, Afzan Setyaningrum, Annisa Syarifa, Dhuhaa Mar’atus