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Analisis Faktor Pengetahuan Produk dan Reputasi Bank terhadap Preferensi Menabung di Bank Syariah Indonesia (BSI)

JBMI (Jurnal Bisnis, Manajemen, dan Informatika) · Vol. 20 No. 2 (2023) · pp. 185–208

ISSN
2579-7204, 0216-4132
Published
2023-12-26
Publisher
Department of Management FEB Unhas
Language
en
License
creativecommons.org/licenses/by/4.0

Abstract

Penetrasi nasabah di bank syariah masih sangat rendah dibandingkan dengan bank konvensional, disparitas tersebut memunculkan ide untuk melakukan riset dalam mendeteksi faktor penyebab. Tujuan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi minat masyarakat menabung di bank Syariah Indonesia. Penelitian ini diklasifikasikan sebagai penelitian kuantitatif deskriktif. Data dikumpulkan menggunakan kuesioner, dan dianalisis dengan teknik analisis regresi linier berganda. Populasi penelitian yakni nasabah bank BSI KC Pettarani dengan sampel berjumlah 100 nasabah melalui teknik probability Sampling. Temuan hasil penelitian menginformasikan bahwa pengetahuan produk berpengaruh positif dan signifikan terhadap minat masyarakat menabung di Bank Syariah Indonesia (KC Pettarani), yang berarti bahwa semakin baik pengetahuan masyarakat mengenai perbankan syariah maka akan mempengaruhi peningkatan minat menjadi nasabah. Kemudian pada variabel reputasi bank berpengaruh positif dan signifikan terhadap minat masyarakat menabung di Bank Syariah Indonesia (KC.Pettarani). Reputasi bank yang baik akan menciptakan kepercayaan bagi nasabahnya. Keduanya saling memperkuat, sementara pada nilai kepercayaan yang tinggi maka akan menguatkan reputasi bank di mata nasabah, begitupun dampak sebaliknya. The customer penetration in Islamic banks is still significantly lower compared to conventional banks; this disparity has prompted the idea to conduct research to identify the underlying factors. This study aims to analyze the factors influencing the public's interest in saving with Bank Syariah Indonesia. This research is classified as quantitative descriptive research, data collected were using questionnaire, and were processed and analyzed using multiple linear regression analysis techniques. The research population consists of customers of BSI KC Pettarani, with a sample of 100 customers selected through probability sampling techniques. The findings of the research indicate that product knowledge has a positive and significant effect on the public's interest in saving with Bank Syariah Indonesia (KC Pettarani). It was means that, the better the public's knowledge of Islamic banking, the more likely it is to increase their interest in becoming customers. Furthermore, the variable of bank reputation has a positive and significant effect on the public's interest in saving with Bank Syariah Indonesia (KC Pettarani). A good bank reputation will create trust among its customers. The two aspects mutually reinforce each other, where high levels of trust strengthen the bank's reputation in the eyes of customers, and vice versa.

Keywords

Collaboration network of the authors

23 authors · 85 co-authorship links · 2 across different organisations

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Islam Negeri Jurai Siwo Lampung
  • Universitas Muhammadiyah Kendari
  • Universitas Halu Oleo
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Akin DuliAffiliation unknown2
Iwan SumantriAffiliation unknown2
Ratna KurniatiUniversitas Islam Negeri Jurai Siwo Lampung1
Nency Dela OktoraUniversitas Islam Negeri Jurai Siwo Lampung1
Wahyudi UmarUniversitas Muhammadiyah Kendari1
Zurisman ZakariaUniversitas Muhammadiyah Kendari1
Rosmawati RosmawatiUniversitas Halu Oleo1
Agus AgusAffiliation unknown1
Erwin Mansyur Ugu SarakaAffiliation unknown1
Muhammad HasyimAffiliation unknown1
Rosmawati .Affiliation unknown1
. YusrianaAffiliation unknown1
Nur IhsanAffiliation unknown1
Yadi MulyadiAffiliation unknown1
Erni ErawatiAffiliation unknown1
Khadijah Thahir MudaAffiliation unknown1
Anwar ThosiboAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unhas.ac.id/index.php/jbmi/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">Analisis Faktor Pengetahuan Produk dan Reputasi Bank terhadap Preferensi Menabung di Bank Syariah Indonesia (BSI)</dc:title>
	<dc:creator xml:lang="en">Masin, Muhlis</dc:creator>
	<dc:creator xml:lang="en">Arifai, Samsul </dc:creator>
	<dc:creator xml:lang="en">Sudirman</dc:creator>
	<dc:creator xml:lang="en">Ismawati</dc:creator>
	<dc:creator xml:lang="en">Umar, St. Hafsah </dc:creator>
	<dc:creator xml:lang="en">Supriadi</dc:creator>
	<dc:subject xml:lang="en">Bank Syariah</dc:subject>
	<dc:subject xml:lang="en">Pengetahuan Produk</dc:subject>
	<dc:subject xml:lang="en">Reputasi Bank</dc:subject>
	<dc:subject xml:lang="en">Islamic Bank</dc:subject>
	<dc:subject xml:lang="en">Product Knowledge</dc:subject>
	<dc:subject xml:lang="en">Bank Reputation</dc:subject>
	<dc:description xml:lang="en">Penetrasi nasabah di bank syariah masih sangat rendah dibandingkan dengan bank konvensional, disparitas tersebut memunculkan ide untuk melakukan riset dalam mendeteksi faktor penyebab. Tujuan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi minat masyarakat menabung di bank Syariah Indonesia. Penelitian ini diklasifikasikan sebagai penelitian kuantitatif deskriktif. Data dikumpulkan menggunakan kuesioner, dan dianalisis dengan teknik analisis regresi linier berganda. Populasi penelitian yakni nasabah bank BSI KC Pettarani dengan sampel berjumlah 100 nasabah melalui teknik probability Sampling. Temuan hasil penelitian menginformasikan bahwa pengetahuan produk berpengaruh positif dan signifikan terhadap minat masyarakat menabung di Bank Syariah Indonesia (KC Pettarani), yang berarti bahwa semakin baik pengetahuan masyarakat mengenai perbankan syariah maka akan mempengaruhi peningkatan minat menjadi nasabah. Kemudian pada variabel reputasi bank berpengaruh positif dan signifikan terhadap minat masyarakat menabung di Bank Syariah Indonesia (KC.Pettarani). Reputasi bank yang baik akan menciptakan kepercayaan bagi nasabahnya. Keduanya saling memperkuat, sementara pada nilai kepercayaan yang tinggi maka akan menguatkan reputasi bank di mata nasabah, begitupun dampak sebaliknya.
The customer penetration in Islamic banks is still significantly lower compared to conventional banks; this disparity has prompted the idea to conduct research to identify the underlying factors. This study aims to analyze the factors influencing the public's interest in saving with Bank Syariah Indonesia. This research is classified as quantitative descriptive research, data collected were using questionnaire, and were processed and analyzed using multiple linear regression analysis techniques. The research population consists of customers of BSI KC Pettarani, with a sample of 100 customers selected through probability sampling techniques. The findings of the research indicate that product knowledge has a positive and significant effect on the public's interest in saving with Bank Syariah Indonesia (KC Pettarani). It was means that, the better the public's knowledge of Islamic banking, the more likely it is to increase their interest in becoming customers. Furthermore, the variable of bank reputation has a positive and significant effect on the public's interest in saving with Bank Syariah Indonesia (KC Pettarani). A good bank reputation will create trust among its customers. The two aspects mutually reinforce each other, where high levels of trust strengthen the bank's reputation in the eyes of customers, and vice versa.</dc:description>
	<dc:publisher xml:lang="en">Department of Management FEB Unhas</dc:publisher>
	<dc:date>2023-12-26</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unhas.ac.id/index.php/jbmi/article/view/25178</dc:identifier>
	<dc:source xml:lang="en">JBMI (Jurnal Bisnis, Manajemen, dan Informatika); Vol. 20 No. 2 (2023): JBMI; 185-208</dc:source>
	<dc:source>2579-7204</dc:source>
	<dc:source>0216-4132</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://journal.unhas.ac.id/index.php/jbmi/article/view/25178/10998</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2023 JBMI (Jurnal Bisnis, Manajemen, dan Informatika)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>