Development of Customer Loyalty Model Based on Product Attributes and Religious Commitment with The Decision to Choose Bank Syariah Indonesia Savings in North Sumatera

Authors

  • Bambang Irawadi
  • Pasaman Silaban
  • Panigoran Siburian

DOI:

https://doi.org/10.22399/ijcesen.3225

Keywords:

Loyalty, Product Attributes, Religious Commitment, Decision to Choose

Abstract

This study will test customer loyalty to Islamic banks in North Sumatra. By comparing the influence of product attributes, and religious commitment on the decision to use Islamic savings products. The type of research used is correlational research. In this study, 300 google forms were distributed to savings customers of Bank Syariah Indonesia in 49 Branch Offices. Of the 300 google form entries, it is expected that 250 questionnaires will meet the requirements. The processing of this study uses Smart PLS software. The results of the study show that Product Attributes and Religious Commitment have a positive effect on the Decision to Choose Savings Products of Bank Syariah Indonesia in North Sumatra. Increasing the decision to choose can also increase customer loyalty. The Decision to Choose significantly mediates the relationship between Product Attributes and Religious Commitment with Customer Loyalty Decision to Choose Savings Products of Bank Syariah Indonesia in North Sumatra

References

[1] Aditi, B., 2017, The Effect Of Atributes Product’s Analysis, Halal Certification, And Product Innovation To The Interest Of Consumer Buying-Back Through The Advantage Competitive Of Micro Small And Medium Business (MSMB) In Medan The Effect Of Atributes Product’s. Journal of Physics Conference, 930(1), 1-6.

[2] Al Fauzan, Syaikh Shalih bin Fauzan, 2018. Loyalitas dalam Islam, Akafa Press, Jakarta.

[3] Ali, Karnila. 2011. Pengaruh Promosi Dan Atribut Produk Terhadap Keputusan Nasabah Dalam Memilih Tabungan Ekasave Pada Bank Eka Kantor Pusat Metro.

[4] Antonio, M. Syafi'i, 2001, Bank Syariah Dari Teori Kepraktik, 2001, Gema Insani. Press, Jakarta.

[5] Arikunto, Suharsimi, 2006, Prosedur Penelitian Suatu Pendekatan Praktik, Rineka Cipta, Jakarta.

[6] Agisni, I. S. (2022). Pengaruh Bimbingan Agama Islam terhadap Pemahaman Nilai-Nilai Ajaran Islam Jamaah Majelis Taklim Nurul Amanah Kebon Pala Jakarta Utara (Bachelor's thesis, Fakultas Ilmu Dakwah Dan Ilmu Komunikasi UIN Syarif Hidayatullah).

[7] Bhote, Keki R.1996. Beyond Customer Satisfaction to Customer Loyalty.American. Management Association.Hal 56.

[8] Dharmayanti, Diah, 2016, Analisis Dampak Service Performance dan Kepuasan Sebagai Moderating Variable Terhadap Loyalitas Nasabah, Jurnal Manajemen Pemasaran,1006, Vol 1. No. 1.

[9] Glock, C. Y., & Stark, R. (1966). Christian Beliefs and Anti-semitism. New York: Harper & Row. McNeil, J.

[10] Griffin, Jill, 2013, Customer Loyalty, Erlangga, Jakarta

[11] Gryna, F. M., & Juran, J. M. (1999). Quality and costs. New York: McGraw-Hill.

[12] Kotler, Philip. 2003, Manajemen Pemasaran, Terjemahan: Hendra Teguh, Ronny A. Rusli dan Benjamin Molan, Edisi Milenium, Penerbit PT. Indeks, Jakarta.

[13] Khotimah, H. N, 2013, Analisis Pemilihan Bank Syariah Dengan Pendekatan Analythical Hierarchy Process, Jurnal Akuntansi Unesa. Vol 1, No 2.

[14] Malhotra, N. K., Nunan, D., & Birks, D. F. (2020). Marketing research. Pearson UK.

[15] Mahyuni dan M. Riza Firdaus, 2014, Analisa Faktor-Faktor yang Mempengaruhi Loyalitas Nasabah Pada Bank Muamalat Indonesia Cabang Banjarmasin, 2014, Jurnal Wawasan Manajemen, Vol. 2, No 2.

[16] Maski, Ghozali, 2010, Analisis Keputusan Nasabah Menabung: Pendekatan Komponen dan Model Logistik Studi Pada Bank Syariah di Malang, Journal of Indonesian Applied Economics, Vol. 4 No. 1.

[17] Metawa, Saad A. and Mohammaed Almossawi, 1998, Banking behavior of Islamic bank customers: perspectives and implications, International Journal of Bank Marketing, MCB University Press, Hlm. 2.

[18] Nugroho, Robertus Andy, Nawazirul Lubis, Apriatni EP. 2014. Pengaruh Produk dan Promosi Terhadap Keputusan Menabung Tabungan Simpedes di PT. Bank Rakyat Indonesia (Persero) Tbk. Cabang Semarang Pattimura. JIAB, Vol. 3 Nomor 4. Semarang.

[19] Nurhidayah, 2013, Analisis Kualitas Jasa Terhadap Kepuasan dan Pengaruhnya Terhadap Loyalitas Nasabah Debitur Kupedes Pada Bank BRI Unit Banjar Selatan Cabang Banjarmasin, Jurnal Spread, Volume 3 Nomor 2.

[20] Novikasari, I. (2016). Uji Validitas Instrumen. Purwokerto: Institut Agama Islam Negeri Purwokerto, 56.

[21] Payne, Adrian, 2007, The Essence of Service Marketing, Diterjemahkan oleh Fandy Tjiptono, Edisi II, Penerbit Andi, Yogyakarta.

[22] Roziq, Ahmad dan Rinanda Fitri Diptyanit, 2013, Variabel Penentu dalam Keputusan Memilih Tabungan Mudharabah Pada Bank Syariah Mandiri Cabang Jember, JEAM Vol XII No. 1.

[23] Sholihin, M, and Dwi Ratmono, D. 2013. Analisis SEM-PLS Dengan WarpPLS. 3.0. Yogyakarta: Penerbit Andi.

[24] Sekaran, Uma, 2006, Metodologi Penelitian Bisnis, Edisi 4, Buku 1, Penerjemah : Kwan Men Yon, Salemba Empat, Jakarta

[25] Sinulingga, Sukaria, 2011, Metode Penelitian, USU Press, Medan.

[26] Suharsaputra,Uhar. 2012. Metode. Penelitian. Kuantitatif, kualitatif, tindakan. Bandung : Reflika Aditama.

[27] Sari, K dan Prijanto, B. 2023. Pengaruh Tingkat Loyalitas Nasabah Pada Dana Pihak Ketiga Industri Perbankan di Indonesia, https://eprints.unisbank.ac.id/191/1/artikel-27.pdf, diakses pada tanggal 21 Desember 2024.

[28] Stanton, William J., 2003. Pemasaran, Alih Bahasa oleh Sadu Sundaru. Jilid Satu. Edisi Kesepuluh. Jakarta : Erlangga, Jakarta.

[29] Sugiyono, 2006, Metode Penelitian Bisnis, Alfabeta, Bandung.

[30] Sartika, Dewi, Ali Mubarak, dan Indari Larasati, 2011, Hubungan Antara “Religious Commitment” dengan Keputusan Mengunakan Jasa Bank Syariah pada Dosen Unisba, Prosiding Seminar Nasional Penelitian dan PKM: Sosial, Ekonomi, dan Humaniora.

[31] Sood, J., & Nasu, Y. (1995). Religiosity and nationality: An exploratory study of their effect on consumer behavior in Japan and the United States. Journal of business research, 34(1), 1-9.

[32] Selnes, Fred, 2003. An Examination of The effect of Product performance on Brand Reputation, Satisfaction and Loyalty, European Journal of Marketing Vol 27, No. 9, p 19-35.

[33] Tambunan, Monang Ranto dan Inggrita Gusti Sari Nasution, 2013. Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Menabung di Bank BCA Kota Medan, Jurnal Ekonomi dan Keuangan, Vol.1 No. 3.

[34] Yulianto, Firman dan Agung Yuniarinto dan Surachman, 2010. Analisis Pengaruh Faktor Bauran Pemasaran Terhadap Pertimbangan Nasabah dalam Memilih Bank Syariah di Kota Medan. Jurnal Wacana, Vol. 13 No.4.

Downloads

Published

2025-07-14

How to Cite

Irawadi, B., Pasaman Silaban, & Panigoran Siburian. (2025). Development of Customer Loyalty Model Based on Product Attributes and Religious Commitment with The Decision to Choose Bank Syariah Indonesia Savings in North Sumatera. International Journal of Computational and Experimental Science and Engineering, 11(3). https://doi.org/10.22399/ijcesen.3225

Issue

Section

Research Article