ANALISIS INTENSI MENABUNG PADA BANK SYARIAH DENGAN IMPORTANCE-PERFORMANCE MATRIX ANALYSIS (IPMA)

  • Sulistyandari Universitas Muhammadiyah Riau
  • M. Arna Ramadhan Bank Data Indonesia
Keywords: Intensi, IPMA, Bank Syariah, Kualitas Layanan, Religiusitas

Abstract

Pertumbuhan aset perbankan syariah di Indonesia terus mengalami peningkatan yang signifikan. Hal tersebut menunjukkan bahwa masyarakat mempunyai intensi yang baik untuk menabung di Bank Syariah. Penelitian ini mengidentifikasi faktor-faktor yang berperan dalam mempengaruhi intensi menabung di Bank Syariah, di antaranya religiusitas, kualitas layanan, dan kepercayaan. Penelitian melalui survei terhadap 250 responden dan dianalisis dengan menggunakan importance-performance matrix analysis (IPMA). Hasil penelitian menyajikan tingkat kepentingan (importance) dan performa (performance) untuk setiap variabel dan indikator-indikatornya. Kualitas layanan menjadi variabel yang paling berperan dalam mempengaruhi intensi menabung di Bank Syariah, namun mempunyai performa yang masih rendah. Aspek-aspek kualitas layanan yang perlu untuk diperhatikan agar dapat meningkatkan intensi menabung masyarakat, yaitu penerapan hukum dan prinsip Islam pada Bank Syariah secara utuh, meniadakan bunga  bank (riba), adanya kerjasama dan dukungan dari pihak lain dengan Bank Syariah, biaya layanan yang lebih rendah, aset dan modal Bank Syariah yang semakin besar, dan kemudahan dalam pengajuan pinjaman/pembiayaan dengan persyaratan yang tidak memberatkan nasabah.

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Published
2021-05-22
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