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The Influence of Hajj Saving Deposit Product to the Customer Interests to Perform Hajj After the Closure of Hajj Bailout At PT Bank BRI Syariah of Bandung Cijerah Branch

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dc.contributor
dc.contributor
dc.creator Ratu, Neng
dc.creator Nurhasanah, Neneng
dc.creator Nurhayati, Nunung
dc.date 2016-02-06
dc.identifier http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/2338
dc.description Islamic banking is currently present as the supporting sectors of economic needs of the Islamic community. Various products related to the Hajj were offered, of which finance bailouts and fund savings hajj pilgrimage. However, in practice, the hajj financing bailouts instead become a major problem causing a surge in interest of customers who wish to perform the pilgrimage to obtain a seat booking fast. Therefore, the government then banned the Bank receiving the deposit to provide financing bailout Hajj. The prohibition against the provision of financing bailouts make the Hajj pilgrimage as the foundation of customer savings divert income paid-for savings. The focus of this research is the amount of customer interest in BRI Syariah Cijerah on hajj savings after Hajj bailout had been closed. This is because at Bank BRI Syariah Cijerah, customers' interest on savings hajj is still the same as before the bailout Hajj closed. After the bailout Hajj closed, one of the main factors for Area BRI Syariah Cijerah, the majority of non-Muslim citizens. Therefore, the bailout does not affect hajj savings. Based on the background of the problem, formulation and objectives of this study are as follows. (1). How to fund product development hajj savings at Bank Syariah BRI KCP Cijerah after bailout Hajj closed? (2) How to drive customers who wish to perform the Hajj pilgrimage by using saving product after Hajj bailout had been closed. (3) How much is the influence of hajj saving product to customers' interest to perform the pilgrimage after the Hajj bailout had been closed? The purpose of this study was to determine the answer to the problem formulated. The method used is descriptive analysis with quantitative approach. This study aims to explain the relationship, to test the hypothesis, make predictions, acquire meaning, and assess the implications of the problems associated with the effect of savings products to customers' interest hajj pilgrimage. The results showed that (1) the development of hajj savings fluctuated; (2) The interest of customers using hajj savings fluctuated with interest tend to be large, (3) there is significant influence between savings products to customers' interest hajj pilgrimage 34.1%.
dc.description Saat ini perbankan syariah hadir sebagai sektor penunjang kebutuhan ekonomi masyarakat islam, berbagai produk pun ditawarkan yang berkaitan dengan ibadah haji diantaranya pembiayaan dana talangan haji dan penghimpunan dana tabungan haji. Akan tetapi pada pelaksanaannya pembiayaan dana talangan haji malah menjadi masalah utama penyebab melonjaknya minat nasabah yang ingin melaksanakan ibadah haji dengan memperoleh booking seat cepat, sehingga pemerintah sepakat untuk kemudian melarang Bank penerima setoran memberikan pembiayaan dana talangan haji. Larangan terhadap pemberian pembiayaan dana talangan haji menjadikan tabungan haji sebagai tumpuan nasabah mengalihkan penghasilannya disetor untuk ditabung, maka dari itu penulis akan meneliti seerapa besar minat nasabah brisyariah cijerah pada tabungan haji setelah dana talangan haji ditutup karena di bank bni syariah cigondewah minat nasabah pada tabungan haji masih sama halnya dengan saat sebelum dana talangan haji ditutup dan setelah dana talangan haji ditutup salah satu faktor utama yang menyebabkan hal itu terjadi karena nasabah sekitar lokasi di bnisyariah cigondewah mayoritas warganya non muslim, jadi ada dan tidak adanya dana talangan haji tabungan haji tidak berpengaruh.  Berdasarkan latar belakang masalah , rumusan dan tujuan penelitian ini sebagai berikut: 1). Bagaimana perkembangan produk penghimpunan dana tabungan haji di Bank BRISyariah KCP Cijerah setelah dana talangan haji ditutup? 2). Bagaimana minat nasabah yang ingin melaksanakan ibadah haji menggunakan produk tabungan haji setelah dana talangan haji ditutup diBank BRISyariah KCP Cijerah? 3). Seberapa besar pengaruh produk tabungan haji terhadap minat nasabah yang ingin melaksanakan ibadah haji setelah dana talangan haji ditutup di Bank BRISyariah KCP Cijerah? Adapun tujuannya adalah untuk mengetahui jawaban dari masalah yang dirumuskan. Metode yang digunakan adalah Deskriptif analisis dengan pendekatan kuantitatif. Penelitian ini bertujuan untuk menerangkan hubungan, menguji hipotesis – hipotesis, membuat prediksi dan mendapatkan makna, serta mengimplikasi dari suatu masalah yang ingin dipecahkan mengenai fakta dan faktor – faktor yang berhubungan dengan pengaruh produk tabungan haji terhadap minat nasabah melaksanakan ibadah haji. Hasil penelitian menunjukkan bahwa 1). Perkembangan tabungan haji mengalami fluktuatif cenderung berkembang, 2) Minat nasabah menggunakan tabungan haji mengalami fluktuatif yang cenderung minatnya besar, 3). Terdapat pengaruh signifikan antara produk tabungan haji terhadap minat nasabah melaksanakan ibadah haji sebesar 34,1%.
dc.format application/pdf
dc.language ind
dc.publisher Prosiding Hukum Ekonomi Syariah
dc.publisher Prosiding Keuangan & Perbankan Syariah
dc.relation http://karyailmiah.unisba.ac.id/index.php/hukum_ekonomi_syariah/article/view/2338/pdf
dc.source Prosiding Hukum Ekonomi Syariah; Vol 2, No 1, Prosiding Hukum Ekonomi Syariah (Februari, 2016); 59-62
dc.source Prosiding Keuangan & Perbankan Syariah; Vol 2, No 1, Prosiding Hukum Ekonomi Syariah (Februari, 2016); 59-62
dc.source 2460-2159
dc.subject Proceedings of the Financial Institutions and Syariah Banking
dc.subject Hajj Savings Product, Customer Interests, Hajj
dc.subject Keuangan dan Perbankan Syariah
dc.subject Produk Tabungan Haji, Minat Nasabah, Ibadah Haji
dc.title The Influence of Hajj Saving Deposit Product to the Customer Interests to Perform Hajj After the Closure of Hajj Bailout At PT Bank BRI Syariah of Bandung Cijerah Branch
dc.title Pengaruh Produk Penghimpunan Dana Tabungan Haji terhadap Minat Nasabah Melaksanakn Ibadah Haji Setelah Dana Talangan Haji Ditutup Pada PT Bank Brisyariah KCP Bandung Cijerah
dc.type info:eu-repo/semantics/article
dc.type info:eu-repo/semantics/publishedVersion
dc.type Peer-reviewed Article
dc.type Quantitative
dc.type Kuantitatif


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