Faktor-faktor Yang Mempengaruhi Keputusan Nasabah Mengajukan Pembiayaan Pensiun Di Pt. Bank Syariah Mandiri Area Pekanbaru

Maisyaroh, Dina (2019) Faktor-faktor Yang Mempengaruhi Keputusan Nasabah Mengajukan Pembiayaan Pensiun Di Pt. Bank Syariah Mandiri Area Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

This research was motivated by the increasing of daily need to use pension financing products where pension financing is still rarely found. Through pension financing, it is expected to provide solutions for family needs and reduce the burden on the community for costs in old age. The formulation of problem in this reseach was what factors are influence the customer's decision in applying for pension financing at PT. BSM Pekanbaru area. The purpose of this reseach was to determine the factors that influence customer decisions in applying for pension financing at PT.BSM Pekanbaru area. It was field research with causality method. Data sources were used primary and secondary data. With the number of customers of 65 people who apply for pension financing at PT. BSM Pekanbaru area in 2015-2017. Total sampling was used in taking the samples. In collecting the data, it used observation, questionnaire and documentation. In analyzing quantitative data was used analysis of multiple linear regressions by using SPSS for Windows 24.0 version. The result of the reseach showed that there was a significant effect between cultural, social, personal, psychological and marketing factors on customer decisions. It was known that the correlation coefficient was 92.3%, so it showed strong relationship. The five independent variables together had a significant effect on customer decisions that can be seen from F count higher than F table (67,889> 2,37). In conclusion, it can be concluded that there is a contribution between the five independent variables (X) on the dependent variable (Y). The determination coefficient was 83.9% and the others 16.1% was not included in this reseach, so the five independent variables influence customer decisions so that they had a strong relationship.

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