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All Journal AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Ilmiah Mahasiswa
Puspita Sari, Juli Dwina
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Economics, Econometrics & Finance Social Sciences

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The Influence of Income, Knowledge, and Time Period on Customer Decisions to Take Financing at PT. BPRS ADECO Langsa Syahvindra, Meutia; Puspita Sari, Juli Dwina
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 6 No. 2 (2024): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v6i2.3406

Abstract

When taking out murabahah financing at a BPRS, customers will always consider their income. Customer income is very important because it can determine the customer's ability to make installment payments. Apart from income, when taking out financing at a bank, customers can be influenced by other factors such as the customer's knowledge of a product. Apart from that, another factor that can influence a customer's decision to take out financing is the time period. This is because the financing payment period varies depending on the length of time agreed between the customer and the bank. Therefore, researchers are interested in conducting research on income, knowledge and time period on customers' decisions to take financing. The research method is quantitative with an associative approach. The sample using the limeshow formula of 100 people. The results of the research showed that: (1) Variables interested in conducting research on income, knowledge and time period on customer's decision to take financing. (2) The knowledge variable on customer decisions in taking financing at PT BPRS Adeco Langsa is 0.000 < 0.05 and tcount 5.697 > ttable 1.984. (3) The time period variable for the customer's decision to take financing at PT BPRS Adeco Langsa is 0.341 > 0.05 and tcount 0.957 < ttable 1.984. (4) The income, knowledge and term variables can be said to have a simultaneous influence on customer decision variables in taking financing at PT BPRS Adeco Langsa. With test results Fcount 34.058 > Ftable 2.696 and Sig. 0.000 < 0.05. The R2 value is 51.6% and the remaining 48.4% is influenced by other variables outside this research.
Keputusan konsumen menggunakan online delivery service: faktor budaya, faktor sosial, faktor psikologis, dan faktor pribadi sebagai variabel determinan Juwita, Tri Analia; Puspita Sari, Juli Dwina
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 2 (2024): Oktober 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i2.9562

Abstract

This research aimed to analyze the impact of cultural, social, personal, and psychological factors on consumer decisions to use delivery services in Langsa City, both individually and collectively. A quantitative approach was employed, gathering primary data by distributing questionnaires to 100 consumers who had used delivery services in Langsa City. Initial data collection also included interviews with a few delivery service users in Langsa City, along with observation and documentation. The analytical method used was multiple linear regression, beginning with classical assumption tests and followed by hypothesis testing. Hypotheses were tested using statistical methods, specifically the t-test (for individual analysis) and the F-test (for collective analysis). The results showed that, while cultural and social factors had a positive but not significant effect on consumer decisions to use delivery services in Langsa City, personal and psychological factors had a positive and significant impact. Collectively, cultural, social, personal, and psychological factors influenced consumer decisions to use delivery services in Langsa City.
Keputusan konsumen menggunakan online delivery service: faktor budaya, faktor sosial, faktor psikologis, dan faktor pribadi sebagai variabel determinan Juwita, Tri Analia; Puspita Sari, Juli Dwina
JIM: Jurnal Ilmiah Mahasiswa Vol 6, No 2 (2024): Oktober 2024
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jim.v6i2.9562

Abstract

This research aimed to analyze the impact of cultural, social, personal, and psychological factors on consumer decisions to use delivery services in Langsa City, both individually and collectively. A quantitative approach was employed, gathering primary data by distributing questionnaires to 100 consumers who had used delivery services in Langsa City. Initial data collection also included interviews with a few delivery service users in Langsa City, along with observation and documentation. The analytical method used was multiple linear regression, beginning with classical assumption tests and followed by hypothesis testing. Hypotheses were tested using statistical methods, specifically the t-test (for individual analysis) and the F-test (for collective analysis). The results showed that, while cultural and social factors had a positive but not significant effect on consumer decisions to use delivery services in Langsa City, personal and psychological factors had a positive and significant impact. Collectively, cultural, social, personal, and psychological factors influenced consumer decisions to use delivery services in Langsa City.
Co-Authors Juwita, Tri Analia Syahvindra, Meutia