Research rarely reaches the discussion of loan sharks. This study describes how intentions are influenced by service, word-of-mouth, and subjective norms, with knowledge of usury acting as a moderating variable. This quantitative study involved 150 respondents. The data collected was analyzed by using structural Equation Modeling (SEM) with SmartPLS 3 Software. According to this study, service significantly affected intention to take a loan from loan sharks but had no influence on word-of-mouth. Though it has no influence on intention, the subjective norm has a significant influence on word-of-mouth. The service on the intention is mediated by word of mouth, which has an influence on the intention. However, word-of-mouth does not act as a mediating variable between subjective norms and intentions. The intention to use the services of loan sharks is significantly moderated by knowledge about usury, which also significantly moderates word-of-mouth and subjective norms. It did not, however, moderate the influence of service on intentions. As a result, it is recommended that the government create Islamic financial institutions not only for the middle class and upper class but also for the lower economic class, which is vulnerable to loan sharks.
The main problem in this research is how the influence of knowledge, promotion, and location factors on the community's interest in saving at Bank Aceh. The purpose of this study is to determine how these factors have a partial and simultaneous influence on people's interest in saving at Bank Aceh. The data obtained came from respondents, namely Blangkejeren and Pining sub-districts, Gayo Lues district, the technique used was purposive sampling of 100 people, the research method was a quantitative method by surveying and distributing questionnaires as data collection techniques. The analytical tool used is the classical assumption method using multiple linear regression analysis, t test or partial test, F test or simultaneous test and coefficient of determination. The results of this study indicate that based on the F test the knowledge, promotion and location factors have a positive and significant effect on people's interest in saving at Bank Aceh. And based on the t-test, knowledge, promotion and location factors have a significant positive effect on people's interest in saving, this is because the Sharia Bank is in an easily accessible location and makes it easy for the public to make transactions at Bank Aceh, good promotions conducted by Bank Aceh can attract interest people save at Bank Aceh as well as public knowledge that makes the community's interest to save more at Bank Aceh.
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