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Putri Lestari
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Journal : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah

 1 
Analisis Perilaku Nasabah Nonmuslim Dalam Memilih Produk Pembiayaan Murabahah Di Bank Syariah Indonesia KC. Jelutung Jambi Hansen Rusliani; Putri Lestari; Nurrahma Sari Putri
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 4 (2023): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i4.427

Abstract

This study aims to find out how to analyze the behavior of non-Muslim customers in choosing murabaha financing products, how to analyze the decision process of non-Muslim customers, and how cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. Jelutung Jambi. The method of this research is using descriptive qualitative method with primary and secondary data types. Data collection techniques in this study were observation, interviews and documentation techniques, while for data analysis the researchers used data reduction analysis, data presentation and verification. The theory used in this research is the theory put forward by Kotler & Ketler that consumer behavior is the science of how individuals, groups and organizations choose, buy and use and obtain goods, services, ideas or experiences to satisfy their wants and needs. . According to Kotlert's theory, consumer behavior is divided into four types, namely cultural, social, personality and psychological factors. In the customer decision process is divided into five steps, namely decision making, namely, recognition of needs, information search, evaluation of alternatives, buying decisions, and post-purchase evaluation. The results of the study explain that the behavior analysis of non-Muslim customers in choosing murabaha financing at Bank Syariah Indonesia KC. In Jelutung Jambi, there were three informants, namely the first informant who worked as a teacher because he was interested because of the salary slip through the bank, and chose gold installment financing because the bank could insure the gold installments, low interest rates, and cheap rates compared to pawn shops. The second informant is taking home installments because the interest rates are low compared to other banks and if you are late paying the installments you are not subject to a fine/sanction of 0.5% to 1% of the amount of the installments that the customer has to pay. The third informant is working as a teacher as well and taking education expenses for their children because the process is fast and the interest rate is low at 3.3%, while at commercial banks it is 8.93%. The fourth informant took gold installments because of the low interest rates. The fifth informant took motorbike installments because the interest rate was lower than leasing, which was 8%. From the several informants above, it can be concluded that cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. In Jelutung Jambi.
Co-Authors , Magdalena A. Jauhar Fuad Abbas Sofwan Matlail Fajar Abdul Rahman Agustina, Eria Ahmad Taufiq Ahmad Zaki Aida Wafiq Nahda Aisyah Sunarwan Akhtob Al Ansori alfi syahrina hidayat Alisya Pramesti Alvi Ratna Yuliana Andys Tiara Aprilia Diva Fatikha Salsabila Asep Purwo Yudi Utomo Bambang Sapto Hutomo Brigita Berlian Damayanti, Damayanti Dedi Darwis Dessy Nurfiani Dianatus Syafa'atul Maulida Dika Bayu Sigit Prabowo Dimas Arga Sadewa Dwiana Asih Wiranti Edison Siregar Eka Lokaria Eka Safitri Eko Ahmad Riyanto Eric Khanafi Ihsana Erlin Erna Zumrotun Ester Talenta Novjalia Marbun Fadillah Dea Ramadan Febriani Putri Lestari Hana Zaita Alhuwaida Hansen Rusliani Harmoko Harmoko Henny Syapitri Hirza Ainin Nur I Gusti Ketut Adi Winata Icca Narayani Imelita Rahyuni Ritonga Irfanda Kurniawan Irwan Iskandar Izza Afkarina Fauziyyah Jamaludin Jamaludin Jamilah, Sri Joko Dwi Avianto Kesia Datubara Lasma Rina Efrina Sinurat Liberty Liberty Linda Ikawati Luluk Cahyanti Maharani Imbanagara Marbun, Agnes Silvina Meilinda Sapta Dika Mellyani Eprilia Yusuf Metta audhya gotami Mochammad Reza Adiyanto Moh.Hafizh Abdulloh Mohamad Romadlon Muh. Watif Massauna Muhamad Haryanto Nabila Mahfudhotin Ismailia nadhila hasibuan Napa Ngatmini Ngatmini Nugroho Aji Norcahyo Nurhadi Nurhadi Nurrahma Sari Putri Nurul Afidah Nurul Hidayah Nurul Thoyibatul Fathonah Olivia Tri Monica Pujiati, Eny Purwoko . R.Djayendra Dewa Rafika Ferdiana Ristanti Ramadani, Suci Reni Hariyanti Ridwan Melay Rifki Amtenar Ririn Indriani Riska Yulandari Rosdiana Mulihatul. H salsabila nazuha Satidasar Halawa Siti Annisaa Sitti Aisyah Sonia Rahma Laila Sri Dweni Astuti Sri Hajijah Purba Sri Purwanti Ariani Sugeng Priyanto Susi Susantiy Susilawati Syahrul R, Syahrul Syariful Hidayat Syifa Aulia Tatia Alvina Tiara Saputri Tugiman Tugiman Vera Fitriana Wasti Reviandani Yani Maulita yasmin novithaharah suprianto YULIA RAHMAWATI