Analisis Faktor keputusan Nasabah menabung di Perbankan Syariah: Studi pada Bank Muamalat Indonesia cabang Malang

ABSTRACT

In the development of the expanding Islamic banking, Islamic bangking requires to preaper themselves best possible to maintain the existence of which they build. BMI is one of the Malang branch of Islamic banking to be able to make a good image for the public to present the image of Islamic banks. because it is not only Islamic bank employees listening to customers complain that the Islamic banks are not really pure shariah, but it just only as a symbol. this is certainly a big task, especially for BMI Malang branch to running their system in accordance whit sayari’ah religion, so image of Islamic banking can be trusted by all communities. the way to improve performance is to analyze what factors are considered by prospective customers in saving money in the banking syari’ah, so that the customer’s wants and need can be fulfiled by BMI branch Malang and satisfaction will be obtained by customers. in this study the factors used are the marketing mix and psychological factors.

This type of research is a quantitative research using survey methods. sampling using the formula Cooper and Emory, it is mean the sample of 100 people that already taken from 5000 people randomly have the same estimation accuracy with 100 sampels taken from the 200 million population, so te sample used was 100 samples of respondents. the sampling technique used in this study was accidental sampling (by conciderence). data collection techniques used were kuisioner. and data analysis techniques are used test the validity and reability test and also factor analysis.

Based on the result of factor analysis, from 28 variables which fall 4 variable an only 24 variables are selected . 4 variables that are not selected is a variable product of diverse variables, it is like variable curiosity, variable word of muoth, and a variable low-cost administration, following a factor analysis produced 7 factors that influence decisions selected clients in saving money on BMI malang branch. 7 factors are the marketing mix ie: people, promotion, perseption, place, process, attitude and respon. Factors have eigen value products for 5.782 to become the most dominant factor in influencing the customer’s decision to save in BMI branch Malang.