ANALISIS PENGARUH RELIGIUSITAS, PERSEPSI RIBA, MARKETING MIX, KUALITAS PELAYANAN DAN SISTEM BAGI HASIL TERHADAP KEPUTUSAN MASYARAKAT YOGYAKARTA MENGGUNAKAN LEMBAGA KEUANGAN SYARIAH
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This study aims to empirically examine the effect of religiosity, riba perception, marketing mix (product, place, price, and promotion), service quality and profit sharing system on the decisions of Yogyakarta people using Sharia Financial Institutions for customers of Sharia Commercial Banks, Sharia Community Financing Bank and Baitul Mal wat Tamwil in Province D.I. Yogyakarta. The subjects in this study were customers of Sharia Commercial Banks, Sharia Community Financing Banks and Baitul Mal wat Tamwil in Province of D.I. Yogyakarta. In this study, 110 questionnaires were distributed, and only 100 questionnaires could be processed using convenience sampling techniques. The data obtained is then processed using multiple linear regression analysis with software of SPSS 15.0. Based on the analysis that has been done, the results show that place variables, promotion, service quality and profit sharing system have a significant positive effect on the decisions of the Yogyakarta community using Sharia Financial Institutions. While the variables of religiosity, perception of usury, product and price do not have a positive effect on the decisions of the people of Yogyakarta using Sharia Financial Institutions.