Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru

ika purnama (IAIN Padangsidimpuan, Indonesia)
nofinawati nofinawati (IAIN Padangsidimpuan, Indonesia)
sarmiana batubara (IAIN Padangsidimpuan, Indonesia)
ferri alfadri (IAIN Padangsidimpuan, Indonesia)

Abstract


The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.


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DOI: https://doi.org/10.24952/jsb.v2i2.4946

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INDEKS JURNAL


TIM REDAKSI

Editor In Chief

Managing Editor

Editorial Board

Reviewer

It Support Team

  • Nofinawati, MA, Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Sumatera Utara, Indonesia

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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

ISSN Print: 2809-8781

ISSN Online: 2827-9344

FAKULTAS EKONOMI DAN BISNIS ISLAM

UNIVERSITAS ISLAM NEGERI SYEKH ALI HASAN AHMAD ADDARY PADANGSIDIMPUAN
Jalan T. Rizal Nurdin Km. 4,5 Sihitang Padangsidimpuan, Sumatera Utara, Indonesia

Email: journalofsharia@uinsyahada.ac.id