PRESENTASI HASIL ANALISIS JURNAL ILMIAH BAHASA INDONESIA

Summary

In this presentation, Fahri Atuh Aya from MPM discusses a scholarly journal by Rifki Ardiansyah on customer decisions in choosing Islamic banking, specifically focusing on Bank Muamalat's Malang branch. The research explores why customers in Malang choose Islamic banks for their financial transactions. The study employs various methods, including questionnaires and secondary data, analyzing factors like bank services, knowledge of Islamic banking, pricing, and religiosity. The results show that factors such as pricing and bank characteristics significantly influence customer decisions. The study concludes that these variables play key roles in customers' choices for both saving and lending with Islamic banks.

Takeaways

• 😀 The presentation is about a study on why customers in Malang choose Islamic banking for fund collection and distribution.
• 😀 The study was conducted at Bank Muamalat, Malang branch, focusing on customer decisions in the context of Islamic banking.
• 😀 Islamic banking is based on Sharia principles and Islamic law, which differentiates it from conventional banking.
• 😀 The research method involved a questionnaire-based survey with Bank Muamalat customers in Malang.
• 😀 The study used both primary data (collected via surveys) and secondary data (such as journals and documents).
• 😀 The independent variables explored were Islamic banking service quality, customer knowledge, bank characteristics, pricing, location, promotion, and religiosity.
• 😀 The dependent variable was the customer’s decision to choose Islamic banking products and services.
• 😀 Data analysis included validity testing, reliability testing, logistic regression, and hypothesis testing.
• 😀 The results indicated that fund collection had an average of 62%, while fund distribution had an average of 71% as the determining factors for customer decisions.
• 😀 According to the hypothesis test, pricing was the most significant factor in the fund collection decision, while bank characteristics played a more prominent role in fund distribution decisions.
• 😀 The study concluded that pricing significantly influenced customers’ decisions for fund collection, while several factors like service quality, knowledge, pricing, and religiosity were crucial for the decision on fund distribution.

Q & A

What is the main focus of the research in the journal?

The main focus of the research is to analyze why customers in Malang city choose to collect and distribute their funds through Islamic banking, specifically Bank Muamalat.

What methodology is used in the research presented in the journal?

The methodology includes an approach with a research scope centered on Bank Muamalat, Malang. The study uses accidental sampling for data collection, focusing on primary data from questionnaires and secondary data from literature and documents.

What is the population sample for this study?

The population sample consists of customers of Bank Muamalat in the Malang branch, with the sample selected using accidental sampling based on chance encounters with the researcher.

What are the independent variables in the study?

The independent variables include bank services, knowledge about Islamic banking, characteristics of Islamic banks, cost or pricing, location, promotions, and religiosity.

What is the dependent variable in the research?

The dependent variable is the customer's decision to choose Islamic banking products and services.

How is data analysis conducted in the study?

Data analysis is conducted using validity and reliability tests, logistic regression, and hypothesis testing.

What were the average results for fund collection and distribution in the study?

The study found that the average result for fund collection was 62%, and for fund distribution, it was 71%, indicating the factors influencing customers' decisions to choose Islamic banking.

What is the most significant factor affecting customers' decisions in fund collection?

In fund collection, the most significant factor affecting customers' decisions is the cost or pricing, with a beta value of 0.372.

Which factor significantly influences customers' decisions in fund distribution?

In fund distribution, the characteristics of Islamic banking are the most influential factor, with a beta value of 0.300.

What conclusions can be drawn from the research findings?

The research concludes that for fund collection, cost or pricing significantly influences the decision, while location has no significant effect. For fund distribution, factors like bank service quality, knowledge of Islamic banking, and religiosity have a strong impact on the decision-making process.