Pengaruh Religiusitas Dan Pengetahuan Produk Terhadap Keputusan Nasabah Menggunakan Produk Pembiayaan Murabahah Serbaguna Di PT. Bank SUMUT Syariah KCP Stabat

Abstract

This study focuses on the discussion of the effect of religiosity and product knowledge on customers' decisions to use murabaha multipurpose financing products at PT. Bank SUMUT Syariah KCP Stabat. In this study the authors used a type of quantitative research with an associative approach (relationships). The main data source comes from questionnaire answers distributed to murabahah multipurpose financing customers at PT. Bank SUMUT Syariah KCP Stabat with 50 respondents. The results of the study explain that both partially and simultaneously there is a significant influence between religiosity and product knowledge together on customers' decisions to use multipurpose murabaha financing products at PT. Bank SUMUT Syariah KCP Stabat. Religiosity and product knowledge influence customers' decisions to use murabahah multipurpose financing products at PT. Bank SUMUT Syariah KCP Stabat of 70.9%. There is a positive or consistent relationship between the independent variable and the dependent variable, meaning that if religiosity and product knowledge increase, the customer's decision to use murabahah multipurpose financing products at PT. Bank SUMUT Syariah KCP Stabat has also increased, and vice versa if religiosity and product knowledge has decreased, the customer's decision to use multipurpose murabahah financing products at PT. Bank SUMUT Syariah KCP Stabat also experienced a decline.