Pengaruh Pendapatan Bagi Hasil dan Pemberian Bonus terhadap Loyalitas Nasabah di Bank Syariah Mandiri Kantor Cabang Sangatta

Abstract

<p>This type of research is descriptive quantitative. This study uses analytical techniques that include path analysis with the aim to find out the direct and indirect influence of independent variables on the dependent variables processing data using SPSS, simultaneous testing (F test) and individual testing (t test). The population in this study are customers in Bank Syariah Mandiri Sangatta Branch Office. And the number of samples taken by 98 respondents by using random sampling technique. The results showed that there is a significant influence between income sharing (X1) and bonus (X2) to customer loyalty (Y) either partially or simultaneously. From the results if the data is known value of correlation coefficient (R) of 0,542 with interpretation between 0,40 - 0,599 which means existence of positive relation between variable of revenue sharing and giving bonus to customer loyalty, and included in category strong enough. The results of this study indicate that the revenue-sharing variable and bonus giving contributes to customer loyalty variables with a total influence of 29.4% and the remaining 70.6% is likely determined by other factors and not examined in this study. And the path equation is Y = 0,366X1 + 0,297X2.</p>

Factors Affecting Customer Loyalty of Islamic Bank in Sumbawa City, Indonesia

“…Customers that are satisfied with the profit-sharing system tend to continuously use the banking products and services and even advise others to use them. Khairi et al (2018) showed that profit-sharing positively affects customers' loyalty to an Islamic bank. Therefore, the first hypothesis is proposed as follows: H1: Profit-sharing positively affects customers' loyalty to Islamic banks.…”

“…The bank is one of the financial institutions that have an important role in people's economic activities because it serves as an intermediary between parties with a surplus of funds (Khairi, Nursalim, & Parno, 2018). In Indonesia, Islamic banks give the option to society to either save or finance.…”

“…Therefore, Islamic banks always find it difficult to maintain the existence of customers. Previous studies showed that consumer loyalty is affected by profit sharing, service quality, transparency, and trust (Khairi, Nursalim, & Parno, 2018;Suhartanto et al, 2019;Wahyoedi, 2017).…”

“…Also, the study of Yuliafitri and Khoiriyah (2016) and Wahyoedi (2017) showed that transparency is a situation where an organization provides the information needed by stakeholders, while trust indicates the consumer's belief to receive products and services. Khairi et al (2018) indicated that profit-sharing positively affects the customer's loyalty to an Islamic bank. Meanwhile, Khotimah (2018) failed to indicate the relationship between the profit-sharing system and consumer loyalty.…”