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- Title
The Effect of Psychological Behavior and Rational Factors Toward the Decision of Customer to Save Money on Baitul Maal Wat Tamwil (BMT) Al Hijrah at Koperasi Agro Niaga (KAN) Jabung Malang East Java, Indonesia.
- Authors
Al Idrus, Salim
- Abstract
The development of Syariah finance institution whether in the form of banking institution, cooperative or Baitul Maalwat Tamwil (BMT) is rapidly taking the attention of people. As a new Syariah institution, BMT Al Hijrah KAN Jabung must understand the factors that influence the decision-making of costumer in saving. The aim of this research is to recognize the psychological and rational influence on the customer to save at BMT Al Hijrah KAN Jabung. It also intends to know the dominant influence variable to the saving decision. This study is an explanatory research that explains the causal relation and hypothesis examination. The approach used in this research is quantitative approach. The analytical technique used are: validity and reliability test, double regression test, F test and T test. The result of the study shows that the psychological and rational factors that consist of motivation (X1), learning (X2), attitude (X3), perception (X4) and rates of return (X5) have strong relation and significant influence on the costumer's decision to save at BMT Al Hijrah KAN Jabung (Y). Variables that have a dominant influence on the purchasing decisions in a variable rate of return (X5).
- Subjects
INDONESIA; ISLAMIC law; FINANCIAL institutions; DECISION making; SAVINGS; F-test (Mathematical statistics)
- Publication
KnE Social Sciences, 2018, Vol 2018, p371
- ISSN
2518-668X
- Publication type
Article
- DOI
10.18502/kss.v3i8.2521