Pemediasian Sikap Positif terhadap Minat Menggunakan Jasa Keuangan

Authors

  • Nur Laili fikriah Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Ikhsan Maksum Universitas Islam Negeri Maulana Malik Ibrahim Malang

https://doi.org/10.33476/jeba.v7i1.2452

Keywords:

literasi keuangan, kualitas layanan, sikap positif dan minat menggunakan jasa keuangan

Abstract

Perkembangan penelitian di bidang industri keuangan memicu para peneliti untuk meneliti mengenai perilaku nasabah dalam memilih dan menggunakan jasa keuangan yang pihak bank syariah tawarkan. Meskipun semakin berkembang berbagai penelitian yang membahas tentang perilaku nasabah tentang minat menggunakan jasa keuangan pada bank syariah, tetapi masih terdapat beberapa kesenjangan terkait dengan keterlibatan mekanisme afektif sikap positif nasabah terhadap minat nasabah bank syariah. Tujuan penelitian ini fokus pada peran pemediasian variabel SPN pada jalur pengaruh LK dan KL terhadap MJK. Penelitian menggunakan sampel nasabah yang menggunakan jasa keuangan bank dan non-bank syariah di Indonesia sebanyak 102 responden. Alat analisis penelitian menggunakan partial least square (PLS) untuk memudahkan estimasi untuk model structural yang melibatkan lebih dari dua variabel utama. Hasil dari penelitian ini menemukan bahwa SPN dapat memediasi secara penuh pengaruh LK dan KL terhadap MJK.

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Published

2022-08-11

Issue

Vol. 7 No. 1 (2022): JANUARI - JUNI 2022

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