Pembiayaan Bank Wakaf Mikro

Fauziah Fauziah; Rianda Hanis; Riza Oktaviani; Tri Syafriani

doi:10.55216/publica.34

Pembiayaan Bank Wakaf Mikro: Pendekatan Perilaku dan Religiusitas

Authors

Fauziah Fauziah

IAIN Pontianak

Rianda Hanis

IAIN Pontianak

Riza Oktaviani

IAIN Pontianak

Tri Syafriani

IAIN Pontianak

DOI: https://doi.org/10.55216/publica.34

Keywords:

nasabah, bank wakaf mikro, perilaku, religiusitas

Synopsis

Buku mengungkapkan variabel attitude dan perceived behavioral control berpengaruh positif dan signifikan terhadap niat nasabah untuk menggunakan pembiayaan dari BWM. Sementara variabel subjective norm tidak berpengaruh signifikan. Sementara variabel religusitas memoderasi (memperkuat) hubungan antara attitude, perceived behavioral control, dan niat nasabah untuk menggunakan pembiayaan dari BWM.
Hasil kajian dalam buku ini berkontribusi secara teoretis dalam hal studi perilaku konsumen khususnya terkait faktor pendorong niat nasabah yang melibatkan faktor attitude, subjective norms, dan perceived behavioral control. Selain itu penelitian ini berkontribusi untuk membuktikan peran faktor religiusitas di dalam meningkatkan pengaruh attitude, subjective norms, dan perceived behavioral control terhadap niat untuk menggunakan produk dan jasa keuangan syariah.
Secara praktis buku ini juga berkontribusi untuk memberikan masukan kepada pengurus BWM dan pesantren dalam rangka meningkatkan jumlah nasabah pembiayaan BWM. Hasil menunjukkan bahwa attitude dan perceived behavioral control memberikan pengaruh penting bagi niat nasabah. Oleh karena itu pengurus BWM dapat meningkatkan komunikasi kepada nasabah dan calon nasabah terkait keuntungan dan aspek positif BWM sehingga dapat memperkuat citra dan sikap positif terhadap produk pembiayaan BWM. Kemudian pengurus BWM dapat meningkatkan kemudahan bagi nasabah dan calon nasabah untuk mengakses pembiayaan BWM, sebagai contoh memberlakukan sistem jemput bola bagi calon nasabah yang memiliki prospek untuk meminjam di BWM. Kemudahan dalam mengakses produk BWM menggunakan media digital juga dapat menjadi alternatif strategi seperti membangun aplikasi yang dapat diakses melalui telepon seluler tiap-tiap nasabah/calon nasabah.

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