Pengaruh Biaya, Angsuran dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pembiayaan BMT di Kabupaten Kudus
Abstract
Penelitian ini bertujuan untuk menguji pengaruh biaya pinjaman (cost of loan), angsuran pinjaman (loan repayment), dan kualitas pelayanan terhadap kepuasan nasabah pembiayaan Baitul mal wat tamwil (BMT) di kabupaten Kudus.Sampel dalam penelitian ini adalah konsumen pembiayaan BMT yang telah menjadi nasabah di atas 1 tahun dengan menggunakan tehnik purposive sampling. 150 kuesioner didistribusikan ke nasabah pembiayaan di 10 BMT yang beroperasi di Kabupaten Kudus. Kuesioner yang kembali sebanyak 112 kuesioner tetapi hanya 96 kuesioner yang dapat dianalisis lanjutan. Hasil penelitian ini menunjukkan bahwa angsuran d an kualitas pelayanan pengaruh yang positif signifikan terhadap kepuasan nasabah pembiayaan. Sedangkan biaya pinjaman tidak berpengaruh terhadap kepuasan nasabah pembiayaan. Implikasi, keterbatasan dan saran untuk penelitian yang akan datang juga dibahas dalam artikel ini.
Keywords
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DOI: http://dx.doi.org/10.21043/iqtishadia.v9i2.1734
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