Pengaruh Attitude, Subjective Norms, Perceived Behavioral Control, Familiarity Dan Religiosity Terhadap Intention Nasabah Dalam Menentukan Kredit Kepemilikan Rumah (kpr) Pada Bank Btn Kota Bandung

Abstract

Abstrak Rumah merupakan salah satu kebutuhan dasar manusia yang harus dipenuhi. Dikatakan sebagai kebutuhan dasar karena merupakan unsur yang harus dipenuhi guna menjamin kelangsungan hidup manusia. Dimana kebutuhan dasar ini akan menentukan taraf kesejahteraan sekaligus kualitas hidup manusia itu sendiri karena itu suatu hunian pada hakekatnya dapat berpengaruh terhadap kualitas kehidupan orang-orang yang tinggal didalamnya. Namun harga rumah yang terus melambung tinggi setiap tahunnya menyebabkan jarang orang mampu membeli rumah secara tunai. Naiknya harga rumah dapat disebabkan oleh beberapa faktor, salah satu faktornya adalah mekanisme pasar. Namun disisi lain, Indonesia sebagai negara dengan jumlah penduduk muslim terbesar di dunia dimana memiliki mayoritas penduduk beragama Islam, meyakini bahwa kredit dengan bunga tergolong riba. Oleh karena itu segala sesuatu yang memiliki unsur tambahan (bunga) tergolong riba, termasuk KPR. Pada dasarnya masyarakat muslim Indoneisa menyadari bahwa KPR itu tergolong riba dan tidak diperbolehkan oleh agama. Perkembangan isu riba di Indonesia berdampak terhadap kepemilikan KPR di perbankan (Cermati.com). Hal ini yang terjadi juga di bank BTN, selaku bank pelopor KPR di Indonesia secara spesifik, penurunan jumlah signifiikan pada nasabah BTN terjadi di BTN cabang kota Bandung, terutama pada kurun waktu tahun 2017 ke 2018. Tujuan penelitian ini adalah untuk mengetahui bagaimana Attitude, Subjective Norms, Perceived Behavioral Control, Religiousity, Familiarity, dan Intention dari nasabah Bank BTN kota Bandung. Serta untuk mengetahui Attitude, Subjective Norms, Perceived Behavioral Control, Religiousity, dan Familiarity terhadap Intention dari nasabah Bank BTN kota Bandung secara parsial maupun simultan. Metode penelitian yang digunakan adalah metode penelitian kuantitatif dengan pendekatan survey, populasi yang digunakan yaitu nasabah dan calon nasabah pada bank BTN Kota Bandung. Sampel penelitian ini adalah 100 responden. Metode analisis yang digunakan yaitu analisis regresi berganda dan uji hipotesis. Hasil analisis menunjukan bahwa attitude, subjective norms, dan religiousity berperngaruh terhadap intention. Sementara perceived behavioural control dan familiarity tidak berpengaruh terhadap inention. Kata kunci : Attitude, Subjective Norms, Perceived Behavioral Control, Religiousity, Familiarity, dan Intention ISSN : 2355-9357 e-Proceeding of Management : Vol.6, No.3 Desember 2019 | Page 5999 Abstract Home is one of the basic human needs that must be fulfilled. It is said to be a basic need because it is an element that must be fulfilled in order to ensure human survival. Where these basic needs will determine the level of well-being as well as the quality of human life itself because of that a dwelling in essence can affect the quality of life of the people who live in it. But the price of houses that continue to soar every year makes it rare for people to be able to buy a house in cash. Rising house prices can be caused by several factors, one of which is the market mechanism. However, on the other hand, Indonesia as the country with the largest Muslim population in the world, which has a majority Muslim population, believes that credit with interest is classified as usury. Therefore everything that has an additional element (interest) is classified as usury, including KPR. Basically the Indonesian Muslim community realizes that the KPR is classified as usury and is not allowed by religion. The development of the issue of usury in Indonesia has an impact on mortgage ownership in banks (Cermati.com). This is also the case at BTN banks, as a pioneer bank for mortgages in Indonesia specifically, a significant reduction in the number of BTN customers occurs in the BTN Bandung branch, especially in the period of 2017 to 2018. The purpose of this study was to find out how Attitude, Subjective Norms, Perceived Behavioral Control, Religiousity, Familiarity, and Intention from Bank BTN customers in Bandung. And to find out Attitude, Subjective Norms, Perceived Behavioral Control, Religiousity, and Familiarity with Intention from customers of Bank BTN in Bandung partially or simultaneously. The research method used is a quantitative research method with a survey approach, the population used is customers and prospective customers at the BTN bank in Bandung City. The sample of this study was 100 respondents. The analytical method used is multiple regression analysis and hypothesis testing. The results of the analysis show that attitude, subjective norms, and religiousity affect the intention. While perceived behavioral control and familiarity do not affect the intention. Keywords: Attitude, Subjective Norms, Perceived Behavioral Control, Religiousity, Familiarity, and Intention