The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan
The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiu...
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| Format: | Article |
| Language: | English |
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Universitas KH Abdul Chalim, Prodi Ekonomi Syariah
2025-02-01
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| Series: | Indonesian Interdisciplinary Journal of Sharia Economics |
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| Online Access: | https://e-journal.uac.ac.id/index.php/iijse/article/view/6402 |
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| author | Rahul Al Fatah Suripto Marliyah Marliyah Nur Ahmadi Bi Rahmani |
| author_facet | Rahul Al Fatah Suripto Marliyah Marliyah Nur Ahmadi Bi Rahmani |
| author_sort | Rahul Al Fatah Suripto |
| collection | DOAJ |
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The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986.
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| format | Article |
| id | doaj-art-f86e38525e894c91a4769b71a2420218 |
| institution | Kabale University |
| issn | 2621-606X |
| language | English |
| publishDate | 2025-02-01 |
| publisher | Universitas KH Abdul Chalim, Prodi Ekonomi Syariah |
| record_format | Article |
| series | Indonesian Interdisciplinary Journal of Sharia Economics |
| spelling | doaj-art-f86e38525e894c91a4769b71a24202182025-02-06T16:04:55ZengUniversitas KH Abdul Chalim, Prodi Ekonomi SyariahIndonesian Interdisciplinary Journal of Sharia Economics2621-606X2025-02-0181The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. PadangsidimpuanRahul Al Fatah SuriptoMarliyah MarliyahNur Ahmadi Bi Rahmani The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986. https://e-journal.uac.ac.id/index.php/iijse/article/view/6402Financing Margin, Religiosity, Family, Retirement Customer |
| spellingShingle | Rahul Al Fatah Suripto Marliyah Marliyah Nur Ahmadi Bi Rahmani The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan Indonesian Interdisciplinary Journal of Sharia Economics Financing Margin, Religiosity, Family, Retirement Customer |
| title | The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan |
| title_full | The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan |
| title_fullStr | The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan |
| title_full_unstemmed | The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan |
| title_short | The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan |
| title_sort | effect of financing margin religiosity and family on the decision to financing bsi pensiunan berkah at bank syariah indonesia kc padangsidimpuan |
| topic | Financing Margin, Religiosity, Family, Retirement Customer |
| url | https://e-journal.uac.ac.id/index.php/iijse/article/view/6402 |
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