The Influence of Promotion, Procedures, and Margin on Sharia Mortgage Decisions
Keywords:
Promotion, Credit Procedures, Margin, Sharia Mortgage, Customer Decision
Abstract
This study examines the influence of promotion, credit procedures, and margins on customer decisions to apply for Sharia-compliant mortgage loans (KPR) at Bank Syariah Indonesia in Samarinda City. Utilizing a quantitative approach, data were collected through questionnaires from 101 respondents selected using purposive sampling. The respondents included KPR customers from four branches: BSI KC Samarinda Antasari, BSI KCP Samarinda Bung Tomo, BSI KCP Samarinda Juanda, and BSI KCP Samarinda Pahlawan, covering the period of 2021–2023. Data analysis was conducted using multiple regression analysis through SPSS software. The findings reveal that promotion and credit procedures significantly and positively influence customer decisions, whereas margin does not have a significant effect. Simultaneously, promotion, credit procedures, and margin collectively have a significant positive effect on customer decisions. These findings emphasize the importance of promotional strategies and simplified credit procedures to enhance customer engagement in Sharia banking products.
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Bashir, F. M., & Gorton, C. (2023). Comparative Analysis of Financial Performance: Conventional Banks vs. Sharia Banks. Indonesia Accounting Research Journal, 11(1), 51–67. https://doi.org/10.35335/iacrj.v11i1.210
Bramer, B. (2023). Improving the effectiveness of the high-touch credit approval process. University of Twente.
Budiantoro, R. A., Rachman, M. A., Tsani, L. I., Millatina, A. N., & Fatimatuzzahro, F. (2024). Is the Merger Effective for Indonesian Islamic Banks? Share: Jurnal Ekonomi Dan Keuangan Islam, 13(2), 636–663. https://doi.org/10.22373/share.v13i2.22036
Faizi, F. (2024). How are Islamic banking products developed? Evidence from emerging country. Cogent Economics & Finance, 12(1). https://doi.org/10.1080/23322039.2024.2378961
Hussainey, K., & Dalwai, T. (2024). Handbook of Banking and Finance in the MENA Region (Vol. 13). World scientific.
Idris, O. (2023). Discussion on the Role of Emotional Intelligence in Financial Decision-Making. Journal of Policy Options, 6(4), 20–29.
Ingratubun, M. H. (2022). Implementation of Legal Substance and Sharia Values in Islamic Banking in a Muslim-Minority Region. Jurnal Minds: Manajemen Ide Dan Inspirasi, 9(2), 213–230. https://doi.org/10.24252/minds.v9i2.29292
Jain, Y. K. (2024). Financial Management and Market Dynamics. Xoffencerpublication.
Javaid, M., Haleem, A., Singh, R. P., Suman, R., & Khan, S. (2022). A review of Blockchain Technology applications for financial services. BenchCouncil Transactions on Benchmarks, Standards and Evaluations, 2(3), 100073. https://doi.org/10.1016/j.tbench.2022.100073
Junaidi, J., Anwar, S. M., Alam, R., Lantara, N. F., & Wicaksono, R. (2023). Determinants to adopt conventional and Islamic banking: evidence from Indonesia. Journal of Islamic Marketing, 14(3), 892–909. https://doi.org/10.1108/JIMA-03-2021-0067
Kapoor, N. (2021). Principles of Marketing. PHI Learning Pvt. Ltd.
Kasri, R. A., & Azzahra, C. (2020). Do Islamic banks more stable than conventional banks? Evidence from Indonesia. Jurnal Ekonomi & Keuangan Islam, 6(2), 149–164. https://doi.org/10.20885/jeki.vol6.iss2.art6
Kim, L., Maijan, P., & Yeo, S. F. (2024). Developing customer service quality: Influences of job stress and management process alignment in banking industry. Sustainable Futures, 8, 100311. https://doi.org/10.1016/j.sftr.2024.100311
Mensah, K., & Amenuvor, F. E. (2022). The influence of marketing communications strategy on consumer purchasing behaviour in the financial services industry in an emerging economy. Journal of Financial Services Marketing, 27(3), 190–205. https://doi.org/10.1057/s41264-021-00121-0
Muneeb, M. (2023). Integrating Islamic Financial Principles in the Metaverse: A way to Promote Customer Experience via Bank Image, Trust, and Service Quality. Journal of Metaverse Business Designs, 4(1), 23–38.
Nurohmah, S. (2018). Analisis Prinsip Keadilan dalam Menetapkan Harga Daging Ayam pada Pasar Tejo Agung 24metro Prespektif Etika Bisnis Islam. IAIN Metro.
Ostrom, A. L., Field, J. M., Fotheringham, D., Subramony, M., Gustafsson, A., Lemon, K. N., Huang, M.-H., & McColl-Kennedy, J. R. (2021). Service Research Priorities: Managing and Delivering Service in Turbulent Times. Journal of Service Research, 24(3), 329–353. https://doi.org/10.1177/10946705211021915
Rawashdeh, A. M., Elayan, M. B., Alhyasat, W., & Shamout, M. D. (2021). Electronic human resources management perceived usefulness, perceived ease of use and continuance usage intention: The mediating role of user satisfaction in Jordanian hotels sector. International Journal for Quality Research, 15(2), 679.
Robinson, J. (2023). Likert Scale. In Encyclopedia of Quality of Life and Well-Being Research (pp. 3917–3918). Springer International Publishing. https://doi.org/10.1007/978-3-031-17299-1_1654
Settersten, R. A., Bernardi, L., Härkönen, J., Antonucci, T. C., Dykstra, P. A., Heckhausen, J., Kuh, D., Mayer, K. U., Moen, P., Mortimer, J. T., Mulder, C. H., Smeeding, T. M., van der Lippe, T., Hagestad, G. O., Kohli, M., Levy, R., Schoon, I., & Thomson, E. (2020). Understanding the effects of Covid-19 through a life course lens. Advances in Life Course Research, 45, 100360. https://doi.org/10.1016/j.alcr.2020.100360
Sugiono. (2017). Memahami Penelitian Kuantitatif, Kualitatif, Dan R & D. Alfabeta.
Thomasi, V., Siluk, J. C. M., Rigo, P. D., & Pappis, C. A. de O. (2024). Challenges, improvements, and opportunities market with the liberalization of the residential electricity market. Energy Policy, 192, 114253. https://doi.org/10.1016/j.enpol.2024.114253
Toguan, Z., Ernayani, R., & Nainunis, N. (2024). Debtors Responsibilities in Subsidized Home Loan Takeovers Based on Indonesian Ministerial Regulation Number 26/PRT/M/2016. Journal of Mujaddid Nusantara, 1(3), 128–137. https://doi.org/10.62568/jomn.v1i3.109
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2024-12-26
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