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Title: | Faktor-faktor yang Memengaruhi Keputusan Anggota dalam Memilih Produk dengan Akad Wadiah Yad Dhamanah (Studi Kasus: KSPPS Khairu Ummah) |
Other Titles: | Factors Influencing Members' Decisions in Choosing Products with a Wadiah Yad Dhamanah Agreement (Case Study: KSPPS Khairu Ummah) |
Authors: | Hasanah, Neneng Hasanah, Qoriatul Alfarisy, Adam |
Issue Date: | 2023 |
Publisher: | IPB University |
Abstract: | Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) merupakan salah
satu lembaga keuangan non bank yang beroperasi dengan prinsip-prinsip syariah.
KSPPS dibentuk untuk memenuhi kebutuhan akses terhadap lembaga keuangan
pada skala mikro. Simpanan wadiah yad dhamanah adalah salah satu produk yang
paling diminati di KSPPS Khairu Ummah, tetapi perkembangannya mengalami
fluktuasi dalam kurun waktu 2018-2022. Tujuan penelitian ini untuk
mengidentifikasi karakteristik dan faktor-faktor yang memengaruhi keputusan
anggota dalam memilih produk simpanan wadiah yad dhamanah di KSPPS Khairu
Ummah. Metode analisis yang digunakan adalah regresi logistik dan pengumpulan
data dilakukan dengan pengisian kuesioner secara langsung oleh 100 responden.
Berdasarkan hasil regresi logistik, variabel pengetahuan, pendapatan, dan kualitas
pelayanan berpengaruh positif dan signifikan terhadap keputusan anggota dalam
memilih produk dengan akad wadiah yad dhamanah di KSPPS Khairu Ummah. The Savings and Loans and Sharia Financing Cooperative (KSPPS) is a non bank financial institution that operates according to sharia principles. KSPPS was formed to meet the need for access to financial institutions on a micro scale. Wadiah yad dhamanah savings are one of the most popular products at KSPPS Khairu Ummah, but their development has fluctuated in the 2018-2022 period. The purpose of this study was to identify the characteristics and the factors that influence members' decisions in choosing wadiah yad dhamanah savings products at KSPPS Khairu Ummah. The analytical method used was logistic regression and data collection was carried out by filling out the questionnaire directly by 100 respondents. Based on the results of logistic regression, the variables of knowledge, income, and service quality have a positive and significant effect on members' decisions in choosing products with wadiah yad dhamanah agreement at KSPPS Khairu Ummah. |
URI: | http://repository.ipb.ac.id/handle/123456789/123866 |
Appears in Collections: | UT - Syariah Economic |
Files in This Item:
File | Description | Size | Format | |
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cover.pdf Restricted Access | Cover | 466.53 kB | Adobe PDF | View/Open |
full teks.pdf Restricted Access | Fullteks | 715.61 kB | Adobe PDF | View/Open |
lampiran.pdf Restricted Access | Lampiran | 383.23 kB | Adobe PDF | View/Open |
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