The Influence Of Religious Values, Social Factor And Service Quality In Individual Customer Decision Using Murabahah Financial On Islamic Bank, Indonesia
Kapriani, Muh. Yunus Zain, Osman Lewangka, Sanusi Fattah
Index Terms: Religious Values, Social Factor, Service Quality, Psychology, Trust, Customer Decision
Abstract: The purpose of research is analyze influence of religious values, social factor and service quality in psychology, trust and customer individual decision using Murabahah Financial on Islamic Bank in Indonesia. The research was used survey methods with the number of sample 180 person. Analysis data were used Structural Equation Model (SEM). The result was showed that religious values has significant influence to psychology factor and trust, but the religious value indirect influence to customer decision. The religious values has indirect influence through psychology factor and trust. Social factor has significant influence to psychology factor, trust and customer decision. Then service quality has significant influence to psychology factor, trust and customer decision. Psychology factor has a significant influence to trust but indirect influence to customer decision. Trust has a Significant influence to individual customer decision using Murabahah Financial from Islamic Bank in Indonesia.
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