PENGARUH BUDAYA DAN KELUARGA TERHADAP MINAT MENABUNG NASABAH Di BANK SYARIAH.pdf - See discussions stats and author profiles for this publication at

PENGARUH BUDAYA DAN KELUARGA TERHADAP MINAT MENABUNG NASABAH Di BANK SYARIAH.pdf

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See discussions, stats, and author profiles for this publication at: PENGARUH BUDAYA DAN KELUARGA TERHADAP MINAT MENABUNG NASABAH DI BANK SYARIAH Article · June 2017 CITATIONS 0 READS 117 2 authors , including: Some of the authors of this publication are also working on these related projects: Marketing View project Roni Andespa Universitas Islam Negeri Imam Bonjol Padang 13 PUBLICATIONS 16 CITATIONS SEE PROFILE All content following this page was uploaded by Roni Andespa on 29 September 2017. The user has requested enhancement of the downloaded file.
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PENGARUH BUDAYA DAN KELUARGA TERHADAP MINAT MENABUNG NASABAH DI BANK SYARIAH RONI ANDESPA Universitas Islam Negeri Imam Bonjol Padang E-mail: [email protected] Abstract The research theme is the concept of business According to Islamic economics. The objectives of the research are: to see the influence of culture and family on the interest of saving customers. The research variables are: 1. Family, 2. Culture, and 3. Interest Saving. Hypothesis 1 : There is a significant influence between cultures (X 1 ) with interest in saving (Y). 2. Hypothesis 2 : There is a significant influence between family (X 2 ) with interest in saving (Y). The object of research is Islamic Bank in West Sumatra. The type of research is causality research with quantitative approach. The research population is all Islamic banking customers in West Sumatera. The sample of research is as many as 250 customers. The technique in sampling is non probability sampling method. Data analysis using multiple linear regression analysis. The results found that culture and family significantly affected the interest of saving Islamic bank customers. Keywords: Culture, Customer , Family, Interest Saving PENDAHULUAN Industri perbankan dengan konsep syariah dan sistem bagi hasil yang dimiliki mampu membedakan dirinya dengan bank konvensional yang ada, dimana return yang dibagikan kepada pemilik dana (nasabah) lebih tinggi nilainya dari bunga yang ada pada bank konvensional. Alasan inilah yang menjadikan bank syariah bertahan dari krisis yang terjadi (Machmud dan Rukmana, 2010:6). Seiring dengan hal tersebut pihak manajemen bank syariah yang beroperasi di Sumatera Barat harus mampu untuk mempengaruhi minat nasabah dalam tindakannya dan keyakinannya akan produk perbankan yang ditawarkan ketengah-tengah masyarakat. Didalam konsep perilaku dan psikologi konsumen terdapat banyak faktor/variabel yang mempengaruhi minat menabung masyarakat. Namun terdapat dua faktor atau variabel yang cukup dominan didalam mempengaruhi minat menabung seorang nasabah di bank syariah. Dua faktor tersebut adalah faktor budaya dan faktor keluarga. Dimana kedua faktor tersebut cukup dominan mendorong nasabah didalam memutuskan pilihan di bank mana dia harus menabung.
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