Pengaruh Bagi Hasil dan Kualitas Pelayanan Terhadap Minat Nasabah Menggunakan Deposito Syariah
DOI:
https://doi.org/10.33394/vis.v14i2.22941Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh bagi hasil dan kualitas pelayanan terhadap minat nasabah dalam menggunakan produk deposito syariah pada BMT Al Hidayah Kotaraja Lombok Timur. Metode penelitian yang digunakan adalah penelitian kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah nasabah BMT Al Hidayah Kotaraja Lombok Timur. Hasil penelitian menunjukkan bahwa secara parsial variabel bagi hasil berpengaruh positif dan signifikan terhadap minat nasabah menggunakan produk deposito syariah dengan nilai thitung sebesar 11,596 > ttabel 2,024 dan nilai signifikansi 0,000 < 0,05. Variabel kualitas pelayanan juga berpengaruh positif dan signifikan terhadap minat nasabah dengan nilai thitung sebesar 2,288 > ttabel 2,024 dan nilai signifikansi 0,028 < 0,05. Secara simultan, variabel bagi hasil dan kualitas pelayanan berpengaruh positif dan signifikan terhadap minat nasabah menggunakan produk deposito syariah dengan nilai Fhitung sebesar 139,969 > Ftabel 3,25 dan nilai signifikansi 0,000 < 0,05. Nilai Adjusted R Square sebesar 0,406 menunjukkan bahwa variabel bagi hasil dan kualitas pelayanan mampu menjelaskan pengaruh terhadap minat nasabah sebesar 40,6%, sedangkan sisanya 59,4% dipengaruhi oleh variabel lain di luar penelitian ini
Kata Kunci: Bagi Hasil, Kualitas Pelayanan, Minat Nasabah, Deposito Syariah
Abstract: This study aims to determine the effect of profit sharing and service quality on customers’ interest in using Islamic deposit products at BMT Al Hidayah Kotaraja, East Lombok. The research method used was quantitative research with an associative approach. The population in this study consisted of customers of BMT Al Hidayah Kotaraja, East Lombok. The results showed that partially, the profit-sharing variable had a positive and significant effect on customers’ interest in using Islamic deposit products, with a t-value of 11.596 > t-table 2.024 and a significance value of 0.000 < 0.05. The service quality variable also had a positive and significant effect on customers’ interest, with a t-value of 2.288 > t-table 2.024 and a significance value of 0.028 < 0.05. Simultaneously, the profit-sharing and service quality variables had a positive and significant effect on customers’ interest in using Islamic deposit products, with an F-value of 139.969 > F-table 3.25 and a significance value of 0.000 < 0.05. The Adjusted R Square value of 0.406 indicates that the profit-sharing and service quality variables are able to explain 40.6% of the variation in customer interest, while the remaining 59.4% is influenced by other variables outside the scope of this study.
Keywords: profit sharing; service quality; customer interest; Islamic deposits
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