Analysis Influence of Price, Service and Process on Consumer Interest Rahn
DOI:
https://doi.org/10.32505/6x6qx410Keywords:
Price, Service Quality, Pawn Process, Public Interest, RahnAbstract
This study investigates the influence of price, service quality, and the pawn process on public interest in Rahn (gold pawning) products at PT Bank Aceh Syariah using a quantitative approach. The findings indicate that service quality and the pawn process are key drivers of public interest, while price is less influential. High-quality service and a pawn process that is simple, fast, and efficient encourage greater customer engagement with Rahn products. Collectively, these variables influence public interest, with service quality and operational efficiency emerging as the most dominant factors. The results suggest that convenience and procedural efficiency play a more decisive role than cost considerations in shaping customer decisions. Overall, improving service quality and optimizing operational processes are more effective strategies for increasing public interest in Rahn products than focusing solely on pricing.
References
Ahmad, N., & Haron, S. (2002). Perceptions of Malaysian corporate customers towards Islamic banking products & services. International Journal of Islamic Financial Services, 3(4), 1–16.
Ahmed, S., Mohiuddin, M., Rahman, M., Tarique, K. M., & Azim, M. (2022). The impact of Islamic Shariah compliance on customer satisfaction in Islamic banking services: mediating role of service quality. Journal of Islamic Marketing, 13(9), 1829–1842.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes.
Ali, I., Liu, J., Shah, S. K., & Khattak, M. S. (2025). Islamic Practices and Investment Decision: The Role of Money Management Skills and Digital Financial Literacy. Sage Open, 15(4), 21582440251379144.
Alim, T., Zufriah, D., & Fathoni, M. I. (2023). Pengaruh Kepuasan Pelanggan dan Kualitas Layanan Terhadap Loyalitas Pelanggan pada E-Commerce Shopee. JBMA : Jurnal Bisnis Manajemen Dan Akuntansi, XII(1), 66–74.
Amin, H. (2013). Factors influencing Malaysian bank customers to choose Islamic credit cards: empirical evidence from the TRA model. Journal of Islamic Marketing, 4(3), 245–263.
Asman, A. (2021). Sumber Data, Populasi dan Sampel Penelitian Hukum Islam. Artikel.
Azizah, A. A., Adha, M. A., & Wahyudi, R. (2024). Peran Kepuasan Dalam Memediasi Pengaruh E-Word of Mouth dan Kualitas Layanan Financial Technology Terhadap Loyalitas Nasabah Bank Syariah. Jurnal Ilmiah Ekonomi Islam, 10(02), 2198–2213.
Faroque, O., Ferdausy, S., & Rahman, M. S. (2020). Factors affecting the job satisfaction of the employees in the private commercial banks of Bangladesh. Journal of Management Research, 6(1), 17–33.
Haron, R., & Mohamed Barre, G. (2023). Application of tawarruq in Islamic banking institutions in Somalia. Qualitative Research in Financial Markets, 5(5), 888–906.
Ibrahim, N., & Mohd Sapian, S. (2023). Factors influencing customers’ selection of Islamic home financing: a systematic review. International Journal of Housing Markets and Analysis, 16(1), 59–84.
Jacobsen, G. D., & Stewart, J. I. (2022). How Do Consumers Respond to Price Complexity ? Experimental Evidence from the Power Sector. Journal of Environmental Economics and Management, 116, 102716.
Lusardi, A., & Tufano, P. (2015). Debt literacy, financial experiences, and overindebtedness. Journal of Pension Economics & Finance, 14(4), 332–368.
Mulyadi, & Pasaribu, V. L. D. (2024). Pengaruh Kualitas Pelayanan dan Harga terhadap Keputusan Pembelian pada PT Lautan Berlian Utama Motor Jakarta Barat. Jurnal Mahasiswa Ekonomi & Bisnis, 4(1), 147–154.
Parasuraman, A., Zeithaml, V. A., & Berry, L. L. (1988). SERVQUAL: A multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12–40.
Purnandika, R. A. (2024). Kualitas Layanan Terhadap Kepuasan Pelanggan pada Pengguna Transportasi Umum di Jakarta. Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi, 1(2), 25–32.
Shah, M. U., & Jan, M. F. (2021). Connecting Corporate Social Responsibility ( CSR ) to Customer Loyalty : A Mediation Analysis in Hoteling Industry of Pakistan. Sage Open, 11(4), 21582440211067230. https://doi.org/10.1177/21582440211067233
Shrafuzzaman, M., Parveen, R., Sumiya, M. A., & Rahman, A. (2025). AI-powered personalization in digital banking: A review of customer behavior analytics and engagement. American Journal of Interdisciplinary Studies, 06(01), 40–71. https://doi.org/10.63125/z9s39s47
Sugiyono, F. X. (2017). Neraca Pembayaran: Konsep, Metodologi dan Penerapan (Vol. 4). Pusat Pendidikan Dan Studi Kebanksentralan (PPSK) Bank Indonesia.
Zeithaml, V. A. (1988). Consumer perceptions of price, quality, and value: A means–end model and synthesis of evidence. Journal of Marketing, 52(3), 2–22.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Ali Azis Usman Harahap
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
.png){kind=small}
a 
Gedung Fakultas Ekonomi dan Bisnis Islam