Analisis Perilaku dalam Pengambilan Keputusan pada Pengguna Layanan Bank Konvensional dan Bank Syariah
DOI:
https://doi.org/10.24260/nisbah.v1i1.2Keywords:
Perilaku Nasabah, Perbankan Syariah, Perbankan Konvesional, Pengambilan Keputusan, Masyarakat, Customer Behavior, Islamic Banking, Conventional Banking, Decision Making, SocietyAbstract
This research aims to find out: 1) the people of Arang Limbung Village, Sungai Raya Subdistrict, Kubu Raya Regency in deciding to use conventional bank services and Islamic banks. 2) factors that cause the people of Arang Limbung Village, Sungai Raya Subdistrict, Kubu Raya Regency to choose to use conventional bank services and Islamic banks. 3) the advantages and disadvantages of Islamic banks and conventional banks according to the people of Arang Limbung Village, Sungai Raya District, Kubu Raya Regency. This research is a qualitative research with descriptive method. Researchers conducted research in Arang Limbung Village, Sungai Raya District, Kubu Raya Regency. The types of data used in this research are primary data and secondary data with data collection techniques in the form of observation, interviews, documentation. Data analysis techniques in the form of data reduction, data presentation, conclusion drawing. Data validity techniques in the form of triangulation and member check. Meanwhile, for Islamic bank users based on service factors because services at Islamic banks are safe and trusted according to Islamic law. The advantages of Islamic banks are based on Islamic principles, low administrative costs, while the disadvantages of Islamic banks are in locations that are difficult to access. The advantages of conventional banks are that there are more branches of conventional banks and are easily accessible, while the disadvantages of conventional banks are large admin fees.
Penelitian ini bertujuan untuk mengetahui: 1) masyarakat Desa Arang Limbung Kecamatan Sungai Raya Kabupaten Kubu Raya dalam memutuskan menggunakan jasa bank konvensional dan bank syariah. 2) faktor-faktor yang menyebabkan masyarakat Desa Arang Limbung Kecamatan Sungai Raya Kabupaten Kubu Raya memilih menggunakan jasa bank konvensional dan bank syariah. 3) kelebihan dan kekurangan bank syariah dan bank konvensional menurut masyarakat Desa Arang Limbung Kecamatan Sungai Raya Kabupaten Kubu Raya. Penelitian ini merupakan penelitian kualitatif dengan metode deskriptif. Peneliti melakukan penelitian di Desa Arang Limbung Kecamatan Sungai Raya Kabupaten Kubu Raya. Jenis data yang digunakan dalam penelitian ini adalah data primer dan data sekunder dengan teknik pengumpulan data berupa observasi, wawancara, dokumentasi. Teknik analisis data berupa reduksi data, penyajian data, penarikan kesimpulan. Bagi pengguna bank syariah dalam memilih jasa bank syariah berdasarkan produk yang ditawarkan sesuai dengan syariat Islam dan bebas biaya administrasi. Sedangkan bagi pengguna bank syariah berdasarkan faktor pelayanan karena pelayanan di bank syariah aman dan terpecaya sesuai syariat Islam.
