FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MEMILIH PEMBIAYAAN AKAD MURABAHAH (Studi Kasus Pada Bank Aceh Syariah Cabang Pembantu Idi Rayeuk)

Abstract

This  study  aims  to  determine  what  factors  influence  the  interest  of  customer  in choosing murabahah contract financing at Aceh Sharia Bank Idi Rayeuk Assistant Branch,  and  how  these  factors  partially  and  simultaneously  effect  the  interest  of the  customers.  The  research  is  a  kind  of  quantitative  research  with  descriptive research approach. For determination of sample, it was used probabiliy sampling technique  with  random  sampling  method.  Meanwhile,  to  determine  the  sample size,  by  using  Slovin  formula,  it  was  obtained  88  respondents  as  the  research sample. Moreover, in data collection, the study refers to two primary data sources (data  obtained  through  questionnaires  distribution  of  34  items  of  questions assessed  by  using  likert  scale),  and  secondary  data  (data  obtained  through decumantation).  The  data  gained  was  in  the  feasibility  test  by  using  the  test  of validity,  reliability,  and  the  test  of  classical  assumptions.  Then,  to  examine  the hypothesis,  it  was  used  multiple  regression  analysis  test  that  includes  the determination  test,  F  test  and  t  test.  Eventually,  the  research  results  showed  that simultaneously  the  factors  of  service,  location,  and  promotion  have  positive  and significant  effect  to  customers’  interest  in  choosing  murabahah  contract  funding. In addition, partially at the same time it indicates that service and promotion also have positive  and significant influence to the customers’ interest.  It is proven by looking at sig value <0,05 (0,020<0,05) for service and 0,019<0,05 for promotion, whereas,  the  factor  af  location  does  not  have  significant  effect  to  the  customers’ interest  to  choose  murabahah  contract  financing  proved  by  sig  value  >0,05 (0,364>0,05).