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Reza Arviciena Sakti

Universitas Islam Al Azhar

Author-ID : 4070521

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Perilaku, Norma Subjektif, dan Kontrol Perilaku Terhadap Minat Nasabah Memilih Produk Tabungan iB Amanah di Bank NTB Syariah Reza Arviciena Sakti
Schemata: Jurnal Pascasarjana UIN Mataram Vol. 9 No. 1 (2020): Schemata: Jurnal Pascasarjana IAIN Mataram
Publisher : Universitas Islam Negeri Mataram, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

The development of a Sharia Bank is a clear picture that a Bank operating by implementing a system based on sharia principles is able to answer the needs desired by customers. The development of Islamic Banks itself is not immune from the behavior of consumers who believe in the quality and quantity of products offered by the banks. Behavior reflects the satisfaction received as a customer to banks as a place to collect and manage their funds. Consumer behavior is a reflection of customer behavior in expressing the feelings received by the service it receives as a customer. The contents of this journal are field research with a quantitative approach. The questionnaire data collection itself was carried out at Bank NTB Syariah given to customers of the iB Amanah Savings product at Bank NTB Syariah. The initial research was conducted using the observation method, then distributing questionnaires to customers of Bank NTB Syariah and involving as many as 101 customers as respondents for three months. Consumer behavior is a reflection of their attitude towards what is the attraction of a need that is needed and raises a sense of satisfaction after receiving what is desired. The attitude in this thesis is explained as attitude toward behavior that reflects the attitude of consumer behavior towards Tabungan iB Amanah products. Customer trust will be strengthened by the confidence of each individual who is influenced by the advice of those closest to them, called the subjective norm, in determining his interests the customer will think first with the attitude and encouragement of confidence before arriving at the controlling phase or called premises. the term perceived behavior control so that there is a cautious attitude of customers in determining interest in the desired product. Perkembangan Bank Syariah merupakan gambaran jelas bahwa Bank yang beroperasional dengan menerapkan sistem berlandaskan prinsip syariah mampu menjawab kebutuhan yang diinginkan oleh nasabah. Perkembangan Bank Syariah sendiri tidak luput dari perilaku konsumen yang percaya akan kualitas dan kuantitas produk yang ditawarkan oleh pihak perbankan. Perilaku mencerminkan kepuasan yang diterima sebagai nasabah kepada perbankan sebagai tempat menghimpun dan mengelola dana mereka. Perilaku konsumen merupakan cerminan terhadap tingkah laku nasabah dalam mengepresikan perasaan yang diterima oleh pelayanan yang diterimanya sebagai nasabah. Isi jurnal ini merupakan penelitian lapangan dengan pendekatan kuantitaif. Penggalian data kuesioner sendiri dilakukan di Bank NTB Syariah yang diberikan kepada nasabah produk Tabungan iB Amanah di Bank NTB Syariah. Penelitian awal dilakukan dengan metode observasi, kemudian menyebarkan kuesioner kepada nasabah Bank NTB Syariah dan melibatkan sebanyak 101 nasabah sebagai responden selama tiga bulan. Perilaku konsumen merupakan cerminan sikap mereka terhadap apa yang menjadi daya tarik dari sebuah kebutuhan yang diperlukan dan memunculkan rasa kepuasan setelah menerima apa yang diinginkan. Sikap dalam tesis ini dijelaskan sebagai attitude toward behavior yang mencerminkan sikap dari perilaku konsumen terhadap produk Tabungan iB Amanah. Kepercayaan nasabah akan semakin kuat dengan didorong keyakinan masing-masing individu yang dipengaruhi atas saran dari orang-orang terdekat mereka disebut dengan istilah subjective norm, dalam menentukan minat nya nasabah akan berfikir terlebih dahulu dengan sikap dan dorongan keyakinan sebelum sampe pada fase kontroling atau disebut denga istilah perceived behavior control sehingga ada sikap kehati-hatian nasabah dalam menenutukan minat terhadap produk yang diinginkan.

Pengaruh Perilaku, Norma Subjektif, dan Kontrol Perilaku Terhadap Minat Nasabah Memilih Produk Tabungan iB Amanah di Bank NTB Syariah Reza Arviciena Sakti
Schemata: Jurnal Pascasarjana UIN Mataram Vol. 9 No. 1 (2020): Schemata: Jurnal Pascasarjana IAIN Mataram
Publisher : Universitas Islam Negeri Mataram, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

The development of a Sharia Bank is a clear picture that a Bank operating by implementing a system based on sharia principles is able to answer the needs desired by customers. The development of Islamic Banks itself is not immune from the behavior of consumers who believe in the quality and quantity of products offered by the banks. Behavior reflects the satisfaction received as a customer to banks as a place to collect and manage their funds. Consumer behavior is a reflection of customer behavior in expressing the feelings received by the service it receives as a customer. The contents of this journal are field research with a quantitative approach. The questionnaire data collection itself was carried out at Bank NTB Syariah given to customers of the iB Amanah Savings product at Bank NTB Syariah. The initial research was conducted using the observation method, then distributing questionnaires to customers of Bank NTB Syariah and involving as many as 101 customers as respondents for three months. Consumer behavior is a reflection of their attitude towards what is the attraction of a need that is needed and raises a sense of satisfaction after receiving what is desired. The attitude in this thesis is explained as attitude toward behavior that reflects the attitude of consumer behavior towards Tabungan iB Amanah products. Customer trust will be strengthened by the confidence of each individual who is influenced by the advice of those closest to them, called the subjective norm, in determining his interests the customer will think first with the attitude and encouragement of confidence before arriving at the controlling phase or called premises. the term perceived behavior control so that there is a cautious attitude of customers in determining interest in the desired product. Perkembangan Bank Syariah merupakan gambaran jelas bahwa Bank yang beroperasional dengan menerapkan sistem berlandaskan prinsip syariah mampu menjawab kebutuhan yang diinginkan oleh nasabah. Perkembangan Bank Syariah sendiri tidak luput dari perilaku konsumen yang percaya akan kualitas dan kuantitas produk yang ditawarkan oleh pihak perbankan. Perilaku mencerminkan kepuasan yang diterima sebagai nasabah kepada perbankan sebagai tempat menghimpun dan mengelola dana mereka. Perilaku konsumen merupakan cerminan terhadap tingkah laku nasabah dalam mengepresikan perasaan yang diterima oleh pelayanan yang diterimanya sebagai nasabah. Isi jurnal ini merupakan penelitian lapangan dengan pendekatan kuantitaif. Penggalian data kuesioner sendiri dilakukan di Bank NTB Syariah yang diberikan kepada nasabah produk Tabungan iB Amanah di Bank NTB Syariah. Penelitian awal dilakukan dengan metode observasi, kemudian menyebarkan kuesioner kepada nasabah Bank NTB Syariah dan melibatkan sebanyak 101 nasabah sebagai responden selama tiga bulan. Perilaku konsumen merupakan cerminan sikap mereka terhadap apa yang menjadi daya tarik dari sebuah kebutuhan yang diperlukan dan memunculkan rasa kepuasan setelah menerima apa yang diinginkan. Sikap dalam tesis ini dijelaskan sebagai attitude toward behavior yang mencerminkan sikap dari perilaku konsumen terhadap produk Tabungan iB Amanah. Kepercayaan nasabah akan semakin kuat dengan didorong keyakinan masing-masing individu yang dipengaruhi atas saran dari orang-orang terdekat mereka disebut dengan istilah subjective norm, dalam menentukan minat nya nasabah akan berfikir terlebih dahulu dengan sikap dan dorongan keyakinan sebelum sampe pada fase kontroling atau disebut denga istilah perceived behavior control sehingga ada sikap kehati-hatian nasabah dalam menenutukan minat terhadap produk yang diinginkan.

Community-Based Halal Tourism on Lombok Island: Examining the Role of Religiosity in Enhancing Compliance with Halal Standards, Local Economic Benefits, and Cultural and Environmental Conservation Reza Arviciena Sakti
Proceeding of the International Conference on Economics, Accounting, and Taxation Vol. 3 No. 1 (2026): Proceeding of the International Conference on Economics, Accounting, and Taxati
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/iceat.v3i1.256

Community-Based Halal Tourism (CBHT) has gained increasing attention as a strategic approach to promoting sustainable, inclusive, and Islamic value-based tourism development. Lombok Island, as one of Indonesia's leading halal tourism destinations, has considerable potential to strengthen the role of local communities in enhancing economic welfare while preserving cultural and environmental sustainability. This study aims to examine the influence of community religiosity on compliance with halal standards, local economic benefits, and cultural–environmental preservation within the development of CBHT in Lombok Island. This study employed a quantitative explanatory approach by distributing questionnaires to 210 respondents selected through purposive sampling from local communities involved in halal tourism activities. Data were analyzed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) with SmartPLS 4.0. The findings indicate that community religiosity has a positive and significant effect on local economic benefits and cultural–environmental preservation. Compliance with halal standards also significantly influences local economic benefits and cultural–environmental preservation, while local economic benefits positively contribute to cultural and environmental sustainability. These findings highlight community religiosity as an important socio-spiritual asset in strengthening sustainable CBHT implementation. The study contributes theoretically by integrating the Theory of Planned Behavior, Maqāṣid al-Syarī‘ah, Community-Based Tourism Theory, and Sustainable Tourism Theory, while offering practical implications for policymakers, destination managers, and local communities in developing inclusive, competitive, and sustainable halal tourism.

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