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Iqbal Nur Hidayat
Universitas Medan Area
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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ESTIMATED VALUE AND RENT COST ON CUSTOMER'S DECISION MAKING IN USING GOLD PAWN Aditya Amanda Pane; Devi Ayu Putri; Sucitra Dewi; Iqbal Nur Hidayat
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

This study aims to determine the amount of estimated value and rent costs on customer decision making in using gold pawn products at PT Bank Syariah Indonesia, Tbk. The population in this study were customers who pawned gold at PT Bank Syariah Indonesia, Tbk Medan Branch, namely 355 people. Determination of the number of samples based on Herry King's nomograph with a significance level of 5%, then the number of samples selected was 177 respondents. The analysis technique used in this study is Multiple Linear Regression Analysis. The results of the study show that the estimated value has a positive significant effect on customer decision making in using pawn products. Meanwhile, the rent cost does not have a negative significant effect on customer decision making in using pawn products. Simultaneously, the estimated value and rent costs have a significant effect on customer decision making in using pawn products.
PENGARUH NILAI TAKSIRAN DAN UJRAH TERHADAP KEPUTUSAN NASABAH DALAM MENGGUNAKAN PRODUK GADAI EMAS PADA PT BANK  SYARIAH  INDONESIA, TBK CABANG MEDAN KAMPUNG BARU Iqbal Nur Hidayat; Aditya Amanda Pane; Rana Fathinah Ananda
Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 2 (2024): November
Publisher : Jurnal Ekonomi, Manajemen dan Akuntansi

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Abstract

This study aims to determine the effect of estimated value and ujrah on customer decisions in using gold pawn products at PT Bank Syariah Indonesia, Tbk Medan Kampung Baru Branch. The population in this study was customers who pawned gold at PT Bank Syariah Indonesia, Tbk Medan Kampung Baru Branch, which was 355 people. The selection of samples in this study was based on calculations put forward by Slovin so that the sample obtained amounted to 78 respondents. Data processing is carried out with the SPSS Statistics 21 program tool. The data analysis techniques used are validity tests, reliability tests, classical assumption tests, multiple linear regression tests and hypothesis tests. The results of this study show that the estimated value has a positive and significant effect on customer decisions, ujrah has a positive and insignificant effect on customer decisions while the estimated value and ujrah simultaneously have a positive and significant effect on customer decisions. .
Co-Authors Aditya Amanda Pane Aditya Amanda Pane Devi Ayu Putri Rana Fathinah Ananda Sucitra Dewi