Pengaruh Pelayanan, Bagi Hasil dan Keyakinan Terhadap Keputusan Menabung Nasabah pada Bank Syariah Mandiri Cabang Utama Medan

Abstract

The customer's saving decision is affected by many factor. It begins from the

customer's behavior until the values offered by the bank to the client. Service, profit sharing and belief are factors which affect the customer's saving decision in syariah bank. This research is aimed to know the effect of service, profit sharing and belief to the customer's saving decision at Medan Main Branch Office of Syariah Mandiri Bank and also to know the most dominant factor which affects the customer's saving decision. This research used marketing management and service marketing theory which involved with service, profit sharing and belief in saving decision.

This research is a descriptive research with study case approach supported by survey method. There were 375 respondents used in this research. The data were collected by using quistioners with likert scale unit. The data had been tested with validity and reliabilitas tests by taking sample from 30 customers of Medan Main Branch Office of Syariah Mandiri Bank Validity and reliability conducted by using SPSS version 10.01. To find out whether service, profit sharing and belief all together have effect and

significant to the customer's saving decision, it used analysis of double regression by

SPSS 10.01 version. To test the hypothesis, it used F-test and t-test at the level of

significance 95% with a = 0.05. The result of F-test and t-test indicated that service, profit sharing and belief have significant effect to the customer's saving decision in Medan Main Branch Office of Syariah Mandiri Bank which means improvement of service, profit sharing and belief followed with the improvement of customer's saving decision. Based on the standardized coefficient, it can be known partially that religion variable has the most dominant effect than service and profit sharing variables. The R square of regression result is 24,9 % which showed that independent variable (service, profit sharing and belief) can explain 24,9 % to dependent variable (saving decision)