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description Journal article public At-Tijarah

Tabungan Emas Pegadaian Syariah dan Faktor-faktor yang Mempengaruhi Minat Nasabah (Studi Nasabah Pegadaian Syariah Takengon)

Nurhikmah Nurhikmah, Ismaulina Ismaulina
Published June 2020

Abstract

The purpose of this study explains the influence of customer knowledge, service quality, location, administrative costs and transparency of customer interest in choosing the Islamic Pegadaian Gold Savings Account in Takengon. And to find out the factors of the five management variables above simultaneously influence the Interest of Customers in Choosing Takengon Sharia Pegadaian Gold Savings. This quantitative study uses multiple regression analysis techniques. The results of the study, found the value of t-count Customer Knowledge (X1), Service Quality (X2), Location (X3) and Transparency (X5) is greater than t-table where the value of t-counts are respectively (2.862> 1.989 ); (3,191> 1,989); (5,282> 1,989) and (3,536> 1,989) as well as significant to the Customer's Interest in Choosing Takengon Sharia Pawnshop Gold Savings. It can be concluded that Ha is accepted and H0 is rejected. But for Administration Costs (X4), although the t-value obtained is also greater than the t-table but the value is negative (-2,701> 1,989). This means that the negative effect of administrative costs on customer interest in Choosing the Islamic Pegadaian Gold Savings in Takengon is in the opposite direction. In other words, if the administrative costs increase, the interest of customers in choosing sharia pawnshop gold savings in takengon decreases. Vice versa. Furthermore, simultaneously F-count> F-table = (24.227> 2.32), it can be concluded receiving Ha. This means that the variables of Customer Knowledge, Service Quality, Location and Price simultaneously have a positive and significant impact on Customer Interest in Choosing Sharia Pegadaian Gold Savings in Takengon. Keywords: Gold Savings, Customer Interest, Location, Service Quality, Knowledge, Administrative Costs  

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