eprintid: 30186
rev_number: 7
eprint_status: archive
userid: 3857
dir: disk0/00/03/01/86
datestamp: 2023-12-19 05:17:35
lastmod: 2023-12-19 05:17:35
status_changed: 2023-12-19 05:17:35
type: thesis
metadata_visibility: show
creators_name: Safa Insani, Nabilla
title: Pengaruh Pengetahuan Nasabah, Kepercayaan dan Mutu E-Banking terhadap Minat Bertransaksi Secara Online pada Bank BJB Syariah KCP Cibinong
ispublished: pub
subjects: HG
divisions: Ekonomi_Islam
abstract: Penelitian ini menggunakan data primer yang diperoleh dari kuesioner dengan sampel sebanyak 122 responden. Selain data primer, penelitian ini juga menggunakan data skunder yaitu data pendukung berupa informasi yang diperoleh melalui karyawan BJBS. Pengolahan data dalam penelitian ini dengan menggunakan program software SPSS versi 26. Pengujian hipotesis dengan analisis regresi linear berganda. Pada hasil uji asumsi klasik menunjukan bahwa tidak ditemukan adanya penyimpangan asumsiklasik. Demikian halnya untuk kesahan data, semua data ditemukan reliabel dan valid, hal ini menunjukan bahwa data yang tersedia telah memenuhi syarat untuk digunakan model regresi linear berganda.
Berdasarkan hasil uji simultan menunjukan bahwa nilai probabilitas p-value 0.000 < 0.005 yang berarti bahwa variabel pengetahuan nasabah, kepercayaan dan mutu e-banking secara bersama-sama berpengaruh terhadap minat bertransaksi secara online. Melalui hasil uji koefisien determinasi diperoleh R2 sebesar 0.657 atau 65.7% yang berarti bahwa variabel minat bertransaksi secara online dapat dijelaskan oleh variabel pengetahuan nasabah, kepercayaan dan mutu e-banking sebesar 65.7%, sedangkan sisanya 34.3% dipengaruhi oleh faktor lain di luar variabel penelitian ini. Dari hasil uji parsial diperoleh pengetahuan nasabah memiliki pengaruh yang positif dan signifikan terhadap minat bertransaksi secara online dengan nilai 3.433 > 1.980 dengan tingkat signifikan 0.001. kemudian variabel kepercayaan memiliki pengaruh yang positif dan signifikan terhadap minat bertransaksi secara online dengan nilai 3.604 > 1.980 dengan tingkat signifikansi 0.000. Selanjutnya variabel mutu e-banking berpengaruh positif dan signifikan terhadap minat bertransaksi secara online 2.837 > 1980 dengan tingkat signifikan 0.005.
Hal ini menunjukan bahwa nasabah sedikit dalam kontribusi pengaruh variabel pengetahuan nasabah, kepercayaan dan mutu e-banking terhadap minat bertransaksi. Oleh sebab itu, disarankan kepada nasabah Bank BJB Syariah Cabang Cibinong untuk meningkatkan layanan penggunaan e-banking dimasa mendatang, untuk memudahkan nasabah dalam bertransaksi melalui e-banking.
date: 2022
date_type: completed
full_text_status: public
pages: 41
institution: Universitas Muhammadiyah Prof. DR. HAMKA
department: FEB
thesis_type: bachelor
thesis_name: bphil
referencetext: https://www.bjbsyariah.co.id/
Adji, J. dan H. S. (2014). Pengaruh Satisfaction dan Trust Terhadap Minat Beli Konsumen (Purchase Intention) Di Starbucks The Square Surabaya. Jurnal Manajemen Pemasaran Petra, 2 no 1, 1–10.
Adji, J. dan H. S. (2014). Pengaruh Satisfaction dan Trust Terhadap Minat Beli Konsumen (Purchase Intention) Di Starbucks The Square Surabaya. Jurnal Manajemen Pemasaran Petra, 2 no 1, 1–10.
Ahmad, S., Bhatti, S. H., & Hwang, Y. (2019). E- service quality and actual use of e-banking: Explanation through the Technology Acceptance Model. Information Development. E- Service Quality and Actual Use of e-Banking: Explanation through the Technology Acceptance Model. Information Development.
Anouze , A. L., & Alamro, A. S. (2019). Factors affecting intention to use ebanking in Jordan. International Journal of Bank. Factors Affecting Intention to Use Ebanking in Jordan. International Journal of Bank, 38(1), 86–112.
Anouze, A. L. M., & Alamro, A. S. (2020). Factors affecting intention to use e-banking in Jordan. International Journal of Bank Marketing, 38(1), 86–112. https://doi.org/10.1108/IJBM-10-2018-0271
Barkatullah, A. H. (2005). Bisnis E-Commerce (Studi Sistem Keamanan Dan Hukum Di Indonesia).
Budiandru, Deni Nuryadin, M. D. P. (2021). Analysis of Integration of the Indonesian Sharia Stock Index with Developing Countries. Jurnal Ekonomi Syariah, 9(2), 398. https://doi.org/http://dx.doi.org/10.21043/equilibrium.v9i2.12387
Budiandru. (2021). Factors Affecting Motivation for Career Selection of Public Accountants. Jurnal Akuntansi, 12(2). https://doi.org/10.26740/jaj.v12n2.p204-216
Butler, J. K. J. (1991). Toward Understansing and Measuring Condition of Trust : Evaluation of Condition of Trust Invebtory. Journal of Management, 17, No.
3, 643–663.
Chiu, J. L., Bool, N. C., & Chiu, C. L. (2017). Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines. Asia Pacific Journal of Innovation and Entrepreneurship.
Dover, P. (1998). The effect of technology selection on consumer adoption of in-home computerised banking. International Journal of Marketing, 6 No. 2, 31–37.
Ellitam, L. (2002). factor influencing The Success of Technology Adoption. Factor Influencing The Success of Technology Adoption.
Fauziah. (1988). Peranan Teknologi Informai dalam Bisnis Reengineerling. Peranan Teknologi Informai Dalam Bisnis Reengineerling, 1,(Siasat Bisnis).
FITRI, F. (2019). Pengaruh Pengetahuan Nasabah, Teknologi Informasi, Kepercayaan Dan Mutu E-Banking Informasi, Kepercayaan Dan Mutu E-Banking Terhadap Minat Bertransaksi Online Terhadap Minat Bertransaksi Online (Studi Kasus Nasabah B. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
Fournier. (1998). Consumers and Their Brands: Developing Relationship Theory in Consumer Research. Research, Journal of Consumer, 24, No. 4. https://doi.org/10.1086/209515
Garbarino, E. and Johnson, M. S. (1999). The Difference Roles of Satisfaction, Trust and Commitment in Customer Relationships. Journal of Marketing, 2, 55–59.
Gerrard, P., & Barton Cunningham, J. B. (2003). The Diffusion of Internet Banking among Singapore Consumers. International Journal of Bank Marketing, 21, 16–28. https://doi.org/10.1108/02652320310457776
Ghozali. (2018). APLIKASI ANALISIS MULTIVARIATE (9th ed.). Badan Penerbit Universitas Diponegoro.
Keller, L. (1993). How to manage brand equity. Gramedia Pustaka Utama.
Khoirun Nisa, A. (2018). PENGARUH PENGETAHUAN, KEPERCAYAAN,DAN KEMUDAHAN PENGGUNAAN E-BANKINGTERHADAP MINAT BERTRANSAKSI ULANG SECARA ONLINEDALAM PERSPEKTIF EKONOMI ISLAM(Studi Kasus Pada Nasabah Bank BNI Syariah KC Tanjungkarang).
Lau, G. T. and Lee, S. H. (1999). Consumers’ Trust in a Brand and the Link to Brand Loyalty. Journal of Market Focused Management, 4, 341–370.
Lee, Matthew K. O dan Turban, E. (2001). A Trust Model for Consumer Internet Shopping. Interntional Journal of Electronic Commerce: Research Gate. A Trust Model for Consumer Internet Shopping. Interntional Journal of Electronic Commerce: Research Gate, 6(1), 75–79.
McKnight et al. (2002). The Impact of Initial Consumer Trust on Intention to Transact with a Website: A Trusting Building Model Vol. 11. Jurnal Sistem Strategi Informasi, 11.
Mishra, J., Morrisey, M. A. (1990). Trust in Employee/Employer Relationship : A Survey Of West Michigan Managemen. Publik Person Manajemen, 19, 443–461.
Mukherjee, A., & Nath, P. (2003). A Model of Trust In Online Relationship Banking. International Journal of Bank Marketing. A Model of Trust In Online Relationship Banking. International Journal of Bank Marketing, 5–15.
N, S., & S, S. (2018). E-Banking Service Qualities, E-Customer Satisfaction, and e-Loyalty: A conceptual Model. The International Journal of Social Sciences and Humanities Invention, 5(6), 4808–4819. https://doi.org/10.18535/ijsshi/v5i6.08
NISA, Fitrianisa; ROZZA, Sylvia; MUCHTAR, A. M. (2020). PERAN PUBLIC RELATIONS, KEPERCAYAAN, DAN PERSEPSI KEMUDAHAN DALAM MENDORONG MINAT BERTRANSAKSI MENGGUNAKAN MOBILE BANKING (Studi Kasus Pengguna Mobile Banking BNI Syariah di Kota Depok). ACCOUNT: Jurnal Akuntansi Keuangan Dan Perbankan, 7.1.
Notoatmodjo. (2012). Metode Penelitian Kesehatan. Rineka Cipta.
Nunnally, Bernstein, I. H. (1994). Psychometric Theory (3rd ed.). New York : McGraw Hill.
Pambudi, A., Widayanti, R., & Edastama, P. (2021). Trust and Acceptance of E-Banking Technology Effect of Mediation on Customer Relationship Management Performance. ADI Journal on Recent Innovation (AJRI), 3(1), 87–96. https://doi.org/10.34306/ajri.v3i1.538
Rajasulochana, Dr, and M. K. (2022). Service Quality In SBI: An Assessment Of Customer Satisfaction On E-Banking Services. Journal of Positive School Psychology, 4585-4590.
Rofiq, A. (2007). Pengaruh Dimensi Kepercayaan (Trust) TerhadapPartisipasi Pelanggan E-Commerce (Studi Pada Pelanggan EcommerceDi Indonesia). Program Pasca Sarjana Fakultas Ekonomi Universitas Brawijaya. Malang.
Rosalina. (2009). Roslina, Pengaruh Pengetahuan Produk dan Citra Merek Terhadap Pembelian Produk. Jurnal Bisnis Dan Manajemen, 10 No. 2, 200–215.
Sarjiyus, O., Oye, N. D., & Baha, B. Y. (2019). Improved Online Security Framework for e-Banking Services in Nigeria: A Real World Perspective. Journal of Scientific Research & Reports. Improved Online Security Framework for E-Banking Services in Nigeria: A Real World Perspective. Journal of Scientific Research & Reports, 23(1), 1–14.
Sathye, M. (1999). Intention to use of Internet banking by Australian consumers: an empirical investigation. International Journal of Bank Marketing, 17 No. 7(pp), 324–334.
Setyanto, T. T. (2011). Analisis Pegaruh Trust dan Mutu E-Banking terhadap Minat Bertransaksi Ulang secara Online. 12.
Stoica, O., Mehdian, S. and Sargu, A. (2015). The impact of internet banking on the performance of Romanian banks: DEA and PCA approach. Procedia Economics and Finance, 20 No. 1, 610–622.
Sudaryono, D. (2017). No Title (2017th ed.). PT. Raja Grafindo Periada.
Sugiyono. (2013). Cara Mudah Menyusun Skripsi; Tesis dan Disertasi (2014th ed.). Alfabeta Bandung.
Sugiyono, P. D. (2017). METODE PENELITIAN KUANTITATIF, KUALITATIF DAN R&D (Alfabeta (ed.); 2017th ed.).
Suharini, M. (2008). Persepsi Nasabah Terhadap Penerapan Sistem Layanan Produk dan Jasa E-Banking. Jurnal Ilmu Administrasi Dan Organisasi, 15(3), 168–177.
Syafaati, F. (2020). Pengaruh Kepercayaan dan Mutu E-Banking Terhadap Minat Bertransaksi Secara Online dan Dampaknya Pada Keputusan Nasabah Dalam Bertransaksi Secara Online.
Takieddine, S. and Sun, J. (2016). Internet banking diffusion: a country-level analysis. Electronic Commerce Research and Applications, 36 No. 7, 198–213.
Tampubolon, D. M. P. (2004). Surat edaran Manajemen Risiko pada Aktifitas Pelayanan Jasa Bank Melalui Internet (internet BankingI (online). Surat Edaran Manajemen Risiko Pada Aktifitas Pelayanan Jasa Bank Melalui Internet (Internet BankingI (Online).
Tang, G. dan. (1998). An Examination of Organizational Trust Antecedents. Public Personal Management, 27(3), 321–338.
Wahyuni, S., & Postma, T. J. (2003). An investigation into factors influencing international strategic alliance process. Gadjah Mada International Journal of Business, 5(3), 273–299.
Wahyuni. (1999). Pengaruh Pengolahan Tradisional Terhadap Mutu dan Nilai Gizi Ikan (Stolephorus spp). Program Pascasarjana, Institut Pertanian Bogor.
Widiastuti, B. (2010). “ Studi Tentang Intensitas Penggunaan Elektronik Banking oleh Nasabah Kantor Cabang Utama Semarang. “ Studi Tentang Intensitas Penggunaan Elektronik Banking Oleh Nasabah Kantor Cabang Utama Semarang, Tidak Disebarluaskan, UNDIP.
Yousefi, Mahyar; CARRANZA, E. J. M. P. (2015). area (P–A) plot and C–A fractal analysis to classify and evaluate evidential maps for mineral prospectivity modeling. Computers & Geosciences, 79, 69–81.
Adji, J. dan H. S. (2014). Pengaruh Satisfaction dan Trust Terhadap Minat Beli Konsumen (Purchase Intention) Di Starbucks The Square Surabaya. Jurnal Manajemen Pemasaran Petra, 2 no 1, 1–10.
Ahmad, S., Bhatti, S. H., & Hwang, Y. (2019). E- service quality and actual use of e-banking: Explanation through the Technology Acceptance Model. Information Development. E- Service Quality and Actual Use of e-Banking:
Explanation through the Technology Acceptance Model. Information Development.
Anouze , A. L., & Alamro, A. S. (2019). Factors affecting intention to use ebanking in Jordan. International Journal of Bank. Factors Affecting Intention to Use Ebanking in Jordan. International Journal of Bank, 38(1), 86–112.
Anouze, A. L. M., & Alamro, A. S. (2020). Factors affecting intention to use e-banking in Jordan. International Journal of Bank Marketing, 38(1), 86–112. https://doi.org/10.1108/IJBM-10-2018-0271
Barkatullah, A. H. (2005). Bisnis E-Commerce (Studi Sistem Keamanan Dan Hukum Di Indonesia).
Budiandru, Deni Nuryadin, M. D. P. (2021). Analysis of Integration of the Indonesian Sharia Stock Index with Developing Countries. Jurnal Ekonomi Syariah, 9(2), 398. https://doi.org/http://dx.doi.org/10.21043/equilibrium.v9i2.12387
Budiandru. (2021). Factors Affecting Motivation for Career Selection of Public Accountants. Jurnal Akuntansi, 12(2). https://doi.org/10.26740/jaj.v12n2.p204-216
Butler, J. K. J. (1991). Toward Understansing and Measuring Condition of Trust : Evaluation of Condition of Trust Invebtory. Journal of Management, 17, No. 3, 643–663.
Chiu, J. L., Bool, N. C., & Chiu, C. L. (2017). Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines. Asia Pacific Journal of Innovation and Entrepreneurship.
Dover, P. (1998). The effect of technology selection on consumer adoption of in-home computerised banking. International Journal of Marketing, 6 No. 2, 31–37.
Ellitam, L. (2002). factor influencing The Success of Technology Adoption. Factor Influencing The Success of Technology Adoption.
Fauziah. (1988). Peranan Teknologi Informai dalam Bisnis Reengineerling. Peranan Teknologi Informai Dalam Bisnis Reengineerling, 1,(Siasat Bisnis).
FITRI, F. (2019). Pengaruh Pengetahuan Nasabah, Teknologi Informasi,
Kepercayaan Dan Mutu E-Banking Informasi, Kepercayaan Dan Mutu E-Banking Terhadap Minat Bertransaksi Online Terhadap Minat Bertransaksi Online (Studi Kasus Nasabah B. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
Fournier. (1998). Consumers and Their Brands: Developing Relationship Theory in Consumer Research. Research, Journal of Consumer, 24, No. 4. https://doi.org/10.1086/209515
Garbarino, E. and Johnson, M. S. (1999). The Difference Roles of Satisfaction, Trust and Commitment in Customer Relationships. Journal of Marketing, 2, 55–59.
Gerrard, P., & Barton Cunningham, J. B. (2003). The Diffusion of Internet Banking among Singapore Consumers. International Journal of Bank Marketing, 21, 16–28. https://doi.org/10.1108/02652320310457776
Ghozali. (2018). APLIKASI ANALISIS MULTIVARIATE (9th ed.). Badan Penerbit Universitas Diponegoro.
Keller, L. (1993). How to manage brand equity. Gramedia Pustaka Utama.
Khoirun Nisa, A. (2018). PENGARUH PENGETAHUAN, KEPERCAYAAN,DAN KEMUDAHAN PENGGUNAAN E-BANKINGTERHADAP MINAT BERTRANSAKSI ULANG SECARA ONLINEDALAM PERSPEKTIF EKONOMI ISLAM(Studi Kasus Pada Nasabah Bank BNI Syariah KC Tanjungkarang).
Lau, G. T. and Lee, S. H. (1999). Consumers’ Trust in a Brand and the Link to Brand Loyalty. Journal of Market Focused Management, 4, 341–370.
Lee, Matthew K. O dan Turban, E. (2001). A Trust Model for Consumer Internet Shopping. Interntional Journal of Electronic Commerce: Research Gate. A Trust Model for Consumer Internet Shopping. Interntional Journal of Electronic Commerce: Research Gate, 6(1), 75–79.
McKnight et al. (2002). The Impact of Initial Consumer Trust on Intention to Transact with a Website: A Trusting Building Model Vol. 11. Jurnal Sistem Strategi Informasi, 11.
Mishra, J., Morrisey, M. A. (1990). Trust in Employee/Employer Relationship : A
Survey Of West Michigan Managemen. Publik Person Manajemen, 19, 443–461.
Mukherjee, A., & Nath, P. (2003). A Model of Trust In Online Relationship Banking. International Journal of Bank Marketing. A Model of Trust In Online Relationship Banking. International Journal of Bank Marketing, 5–15.
N, S., & S, S. (2018). E-Banking Service Qualities, E-Customer Satisfaction, and e-Loyalty: A conceptual Model. The International Journal of Social Sciences and Humanities Invention, 5(6), 4808–4819. https://doi.org/10.18535/ijsshi/v5i6.08
NISA, Fitrianisa; ROZZA, Sylvia; MUCHTAR, A. M. (2020). PERAN PUBLIC RELATIONS, KEPERCAYAAN, DAN PERSEPSI KEMUDAHAN DALAM MENDORONG MINAT BERTRANSAKSI MENGGUNAKAN MOBILE BANKING (Studi Kasus Pengguna Mobile Banking BNI Syariah di Kota Depok). ACCOUNT: Jurnal Akuntansi Keuangan Dan Perbankan, 7.1.
Notoatmodjo. (2012). Metode Penelitian Kesehatan. Rineka Cipta.
Nunnally, Bernstein, I. H. (1994). Psychometric Theory (3rd ed.). New York : McGraw Hill.
Pambudi, A., Widayanti, R., & Edastama, P. (2021). Trust and Acceptance of E-Banking Technology Effect of Mediation on Customer Relationship Management Performance. ADI Journal on Recent Innovation (AJRI), 3(1), 87–96. https://doi.org/10.34306/ajri.v3i1.538
Rajasulochana, Dr, and M. K. (2022). Service Quality In SBI: An Assessment Of Customer Satisfaction On E-Banking Services. Journal of Positive School Psychology, 4585-4590.
Rofiq, A. (2007). Pengaruh Dimensi Kepercayaan (Trust) TerhadapPartisipasi Pelanggan E-Commerce (Studi Pada Pelanggan EcommerceDi Indonesia). Program Pasca Sarjana Fakultas Ekonomi Universitas Brawijaya. Malang.
Rosalina. (2009). Roslina, Pengaruh Pengetahuan Produk dan Citra Merek Terhadap Pembelian Produk. Jurnal Bisnis Dan Manajemen, 10 No. 2, 200–215.
Sarjiyus, O., Oye, N. D., & Baha, B. Y. (2019). Improved Online Security
Framework for e-Banking Services in Nigeria: A Real World Perspective. Journal of Scientific Research & Reports. Improved Online Security Framework for E-Banking Services in Nigeria: A Real World Perspective. Journal of Scientific Research & Reports, 23(1), 1–14.
Sathye, M. (1999). Intention to use of Internet banking by Australian consumers: an empirical investigation. International Journal of Bank Marketing, 17 No. 7(pp), 324–334.
Setyanto, T. T. (2011). Analisis Pegaruh Trust dan Mutu E-Banking terhadap Minat Bertransaksi Ulang secara Online. 12.
Stoica, O., Mehdian, S. and Sargu, A. (2015). The impact of internet banking on the performance of Romanian banks: DEA and PCA approach. Procedia Economics and Finance, 20 No. 1, 610–622.
Sudaryono, D. (2017). No Title (2017th ed.). PT. Raja Grafindo Periada.
Sugiyono. (2013). Cara Mudah Menyusun Skripsi; Tesis dan Disertasi (2014th ed.). Alfabeta Bandung.
Sugiyono, P. D. (2017). METODE PENELITIAN KUANTITATIF, KUALITATIF DAN R&D (Alfabeta (ed.); 2017th ed.).
Suharini, M. (2008). Persepsi Nasabah Terhadap Penerapan Sistem Layanan Produk dan Jasa E-Banking. Jurnal Ilmu Administrasi Dan Organisasi, 15(3), 168–177.
Syafaati, F. (2020). Pengaruh Kepercayaan dan Mutu E-Banking Terhadap Minat Bertransaksi Secara Online dan Dampaknya Pada Keputusan Nasabah Dalam Bertransaksi Secara Online.
Takieddine, S. and Sun, J. (2016). Internet banking diffusion: a country-level analysis. Electronic Commerce Research and Applications, 36 No. 7, 198–213.
Tampubolon, D. M. P. (2004). Surat edaran Manajemen Risiko pada Aktifitas Pelayanan Jasa Bank Melalui Internet (internet BankingI (online). Surat Edaran Manajemen Risiko Pada Aktifitas Pelayanan Jasa Bank Melalui Internet (Internet BankingI (Online).
Tang, G. dan. (1998). An Examination of Organizational Trust Antecedents. Public Personal Management, 27(3), 321–338.
Wahyuni, S., & Postma, T. J. (2003). An investigation into factors influencing international strategic alliance process. Gadjah Mada International Journal of Business, 5(3), 273–299.
Wahyuni. (1999). Pengaruh Pengolahan Tradisional Terhadap Mutu dan Nilai Gizi Ikan (Stolephorus spp). Program Pascasarjana, Institut Pertanian Bogor.
Widiastuti, B. (2010). “ Studi Tentang Intensitas Penggunaan Elektronik Banking oleh Nasabah Kantor Cabang Utama Semarang. “ Studi Tentang Intensitas Penggunaan Elektronik Banking Oleh Nasabah Kantor Cabang Utama Semarang, Tidak Disebarluaskan, UNDIP.
Yousefi, Mahyar; CARRANZA, E. J. M. P. (2015). area (P–A) plot and C–A fractal analysis to classify and evaluate evidential maps for mineral prospectivity modeling. Computers & Geosciences, 79, 69–81.
citation:   Safa Insani, Nabilla  (2022) Pengaruh Pengetahuan Nasabah, Kepercayaan dan Mutu E-Banking terhadap Minat Bertransaksi Secara Online pada Bank BJB Syariah KCP Cibinong.  Bachelor thesis, Universitas Muhammadiyah Prof. DR. HAMKA.   
document_url: http://repository.uhamka.ac.id/id/eprint/30186/1/S02EI-23039%20Nabilla%20Safa%20Insani%20FEB_S1%20EKONOMI%20ISLAM_1802055061_NABILLA%20SAFA%20INSANI%20-.pdf