Analisis Pengaruh Kualitas Pelayanan Dan Religiusitas Terhadap Keputusan Nasabah Dalam Memilih Pembiayaan Kredit Kepemilikan Kendaraan Melalui Bank Syariah Indonesia

Abstract

his study aims to analyze the influence of service quality and religiosity on customer decisions in choosing vehicle ownership credit financing at Islamic banks. The research method used is quantitative with a survey approach. Data was collected thru questionnaires distributed to 31 respondents and analyzed using validity tests, normality tests, and multiple linear regression. The results of the validity test showed that all statement items on the service quality, religiosity, and customer decision variables were declared valid with a calculated r value > r table (0.355). The normality test showed that the residual data was normally distributed. The results of the multiple linear regression produced the equation Y = 4.975 + 0.850X1 + 0.018X2, which indicates that service quality has a dominant positive influence on customer decisions, while religiosity also has a positive influence, although its contribution is relatively small. This finding indicates that

improving service quality is a key factor that Islamic banks need to consider in their efforts to increase customer decisions, along with strengthening religious values in banking services.