PENGARUH PERSEPSI DAN SIKAP PELAKU USAHA TERHADAP PEMILIHAN BANK SYARIAH SETELAH FATWA MAJELSI ULAMA INDONESIA DI KAUMAN SURAKARTA
DOI:
https://doi.org/10.19305/elha.v7i2.4726Abstract
Abstract : Indonesian Ulama Council (MUI) issued a fatwa on bank interest and the prohibition of transaction with the conventional banks in early 2004. After the MUI fatwa, both types of banks are still recorded growth in all sectors of performance, there is no massive diversion of funding from conventional banks to Islamic banks. One of the factors that shape consumers behavior in their decision is a psychological factor consisting of perceptions and attitudes. This study aims to determine the influence of 1). Perception, 2). Attitude, 3). Perceptions and attitudes of business actors in Kauman Surakarta after MUI fatwa against the selection of sharia banks.
This research uses quantitative descriptive approach. The research located in Kauman Surakarta was conducted in May-June 2017. The research population was 284 business actors with a sample size of 181 subjects. Sampling sampling method using fixed disease sampling. Respondents' data were collected using questionnaires. The dependent variable of research is the selection of syariah bank. Independent variables of research are perceptions and attitudes. Test the validity of perceptual variables, attitudes and selection of sharia banks using Corrected Item-Total Correlationmore than 0.35. The reliability test used Cronbach's Alpha value with the values of 0.841 perceptions, 0.922 attitudes and 0.957 election of sharia banks. Data analysis using multiple logistic regression.
The results obtained 1). Perceptions affect the selection of Bank Syariah with Wald 24,328 test value significant at 0,000 (more or less0.05) 2). Attitudes affecting the selection of sharia banks with Wald 28,115 test value significant at 0,000 (more or less0.05) 3). Perceptions and attitudes affect the selection of sharia banks with the results of the simultaneous test (Omnibus Tests of Model Coefficients) 96.359 significant at 0.000 (more or less0.05). Prediction analysis on result of research is equal to 1,999 perception and 1,987 for attitude where equation formula in multiple logistic regression is Y = 40.055 + 1.999 X1 + 1.987 X2.
Keywords: Perception, Attitude, Selection of  shariah Bank, MUI Fatwa, Multiple Logistic Regression.
Â
References
Azwar, S. 2007. Sikap Manusia; Teori dan Pengukurannya. Yogyakarta: Pustaka Pelajar.
Badan Pusat Statistika. (2010). Sensus Penduduk 2010; Penduduk Menurut Wilayah dan Agama yang Dianut. [Online]. Tersedia: http://sp2010.bps.go.id/index.php/site/tabel?tid=321. [25 Oktober 2016].
¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬___________________. 2016. Surakarta dalam Angka 2016. Surakarta: Bappeda dan BPS Kota Surakarta. pp. 40.
Bank Indonesia. 2000. Penelitian Potensi, Preferensi, dan Perilaku Masyarakat terhadap Bank Syariah di Wilayah Jawa Tengah dan Daerah Istimewa Yogyakarta. Jakarta: Bank Indonesia.
Bank Indonesia. 2007. Sejarah Pra-Bank Indonesia. Jakarta : Unit Khusus Museum Bank Indonesia.
Barkatulah, Abdul Halim. 2008. Hukum Perlindungan Konsumen (Kajian Teoretis dan Perkembangan Pemikiran. Bandung: Nusa Media.
Bimo, W. 2010. Pengantar Psikologi Umum. Yogyakarta: Andi Offset.
C. Mowen, John. Michael Minor. 2002. Perilaku Konsumen. Jakarta. Erlangga
Gayo, A. A. dan Ade I. T. (2012). Kedudukan Fatwa Dewan Syariah Nasional MUI Dalam Mendorong Perkembangan Bisnis Perbankan Syariah (Perspektif Hukum Perbankan Syariah). Jurnal Rechtsvinding Media Pembinaan Hukum Nasional, vol. 1, no. 2, hlm. 257-275.
Ghafur, M. (2008). Pengaruh Fatwa MUI tentang Keharaman Bunga/Interest terhadap Perkembangan Perbankan Syariah di Indonesia. Jurnal Penelitian Agama, vol. 17, no. 2, hlm. 355-371.
Karim, A. A. 2010. Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT. Rajagrafindo Persada.
________ dan Keller K. L. 2005. Manajemen Pemasaran Jilid 1 Edisi Terjemahan 12. Jakarta: Indeks.
________. 1999. Manajemen Pemasaran Edisi Terjemahan 12. Jakarta: Indeks.
Majelis Ulama Indonesia. 2006. Himpunan Fatwa DSN MUI. Jakarta : DSN MUI-BI
Muhammad. 2011. Manajemen Bank Syariah. Yogyakarta: Unit Penerbit dan Percetakan Sekolah Tinggi Ilmu Manajemen YKPN.
Otoritas Jasa Keuangan. 2016. Statistik Perbankan Indonesia 2016. [Online]. Tersedia: https://www.ojk.go.id/. [20 Oktober 2016].
____________________. 2016. Sejarah Perkembangan Perbankan Syariah. [Online]. Tersedia: https://www.ojk.go.id/. [20 Oktober 2016].
Republik Indonesia. 1998. Undang-undang Nomor 10 Tahun 1998 tentang Perubahan Undang-undang Nomor 7 Tahun 1992 tentang Perbankan. Sekretariat Negara. Jakarta
Republik Indonesia. 1999. Undang-Undang no 8 tahun 1999 tentang Perlindungan Konsumen. Sekretariat Negara. Jakarta.
Schiffman dan Kanuk. 2004. Perilaku Konsumen. Jakarta: PT. Indeks.
Sobur, Alex. 2010. Psikologi Umum. Bandung : Pustaka Setia.
Sudjana, N. 2004. Dasar-dasar Proses Belajar. Bandung: Sinar Baru.
Sumarwan, Ujang. 2002. Perilaku Konsumen: Teori dan Penerapannya dalam Pemasaran. Bandung: Penerbit Ghalia Indonesia.
Susanta. (2006). Sikap: Konsep dan Pengukuran. Jurnal Administrasi dan Bisnis, vol. 2, no. 2, hlm. 94-100.
Susanto dan Narwoko. 2007. Sosiologi. Jakarta: Kencana.
