Rifa'i, Ahmad and Khristianto, Wheny (2004) The Effects of Customer’s Psychological Factors on the Decision for Joining Syariah Folk Credit Banking. ISTECS JOURNAL, V (1). pp. 73-86. ISSN 1345-8981

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Abstract

The development of banking has stimulated the growth of various types of financial institutions. One of them is folk credit banking or Bank Perkreditan Rakyat (BPR). Its main concept is the sharing of profits between customers and bank. This system does not involve interest value or is known as a non-interest banking (BTB). Syariah folk credit banking (BPRS) is one type of BTB. The objective of this research is to explain the influence of some psychological factors which affect customer’s decision on joining the Syariah Folk Credit Banking. The research type is explanatory research in which relation among variables are explained to verify the hypothesis. The research was conducted at Sakai Sambayan’s Syariah Folk Credit Banking in Natar, South Lampung. The results show that significant and positive relation between motivation variable and making of decision to become a member is 9,3%, while between perception and making of decision to be a member is 23,5%. Both variables (motivation and perceptive) have an influence of 37,8%. Rest of percentage (62,2%) is influenced by other factors which are unknown in this research. Keywords: Non-Interest Banking, credit, syariah, psychological factor, consumer, motivation and perception.

Item Type: Article
Subjects: H Social Sciences > HB Economic Theory
Divisions: Fakultas Ilmu Sosial dan Ilmu Politik (FISIP) > Prodi Administrasi Bisnis
Depositing User: AHMAD RIFA'I
Date Deposited: 08 Feb 2019 02:05
Last Modified: 08 Feb 2019 02:05
URI: http://repository.lppm.unila.ac.id/id/eprint/10711

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