BAB V PENUTUP
B. Saran
Berdasarkan hasil penelitian dan pembahasan dari persepsi masyarakat tentang sistem perbankan syariah dan pengaruhnya terhadap keputusan memilih bank syariah, maka saran yang dapat diajukan adalah sebagai berikut:
1. Diperlukan edukasi dan sosialisasi tentang bank syariah yang lebih dini kepada masyarakat, terutama di saat mereka masih anak- anak, remaja mulai dari tingkat SD, SMP, SMA dan Perguruan Tinggi, sehingga tidak lagi muncul kesalahan persepsi tentang perbankan syariah.
2. Bagi peneliti selanjutnya, hendaknya untuk memperluas penelitian sehingga diperoleh informasi yang lebih lengkap tentang persepsi masyarakat terhadap keputusan memilih bank syariah.
3. Pada penelitian yang akan datang diharapkan jumlah sampel yang digunakan lebih banyak. Dengan menggunakan sampel yang lebih banyak, maka hasil penelitian yang didapatkan lebih akurat.
DAFTAR PUSTAKA
Anshori, Muchlis dan Sri Iswati. 2009. Metodologi Penelitian Kuantitatif.
Cet. 1; Surabaya: Airlangga.
Antonio, Muhammad Syafi’i. 2011. Bank Syariah Dari Teori ke Praktik.
Jakarta: Gema, 2011.
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Frederick Whitney. 1960. The Element Of Research. New York: Prentice- Hall, Inc.
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Harihanto. 2001. “Persepsi, Sikap, dan Perilaku Masyarakat terhadap Air Sungai” Kasus Program Kali Bersih di Kaligareng, Jawa Tengah, Tesis: Program Pascasarjana Institut Pertanian Bogor.
Hidayat, Anwar. “Penjelasan Teknik Purposive Sampling” https:// www.
statistikian.com/2017/06/penjelasan-teknik-purposive-sampling.html (26 Juli 2018)
Jo Bitner, Mary dan Valarie A Zeithaml. Services Marketing. Edisi I;
Boston: MCGraw-Hill.
Koentjaraningra. 2009. Pengantar Ilmu Antropologi. Jakarta: Rineka Cipta.
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Jakarta: CV. Mikraj Khasanah Ilmu.
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Mary Jo Bitner, dkk. Services Marketing. 1996. Edisi 1; Boston: MCGraw- Hill.
Mac Iver. 1988. Negara Modern, Terj. Moertono. Jakarta: Bina Aksara.
Prasetya Utomo, Toni. 2014. “Analisis Faktor-faktor yang mempengaruhi Keputusan Nasabah dalam memilih Jasa Perbankan Syariah”. Jurnal Ilmiah Mahasiswa FEB, Vol. 2 No. 2: h.
9.
Notoatmodjo, S. 2010. Metode Penelitian Kesehatan. Jakarta: Rineka Cipta. Rodoni, A dan A Hamid. 2008. Lembaga Keuangan Syariah.
Cet. 1; Jakarta: Zikrul Hakim.
Purwaatmadja, Karnaen. 1992. Apa dan Bagaimana Bank Islam.
Yogyakarta: PT. Dana Bhakti Wakaf.
Rivai, dkk. 2007. Commercial Bank Management Manajemen Perbankan Dari Teori Ke Praktik. Edisi 1,- 2; Jakarta: Rajawali Pers.
Rakhmat, Jalaludin. 2005. Psikologi Komunikasi. Bandung: PT Remaja Rosdakarya.
Suharto, Edi. 2005. Membangun Masyarakat Memberdayakan Rakyat.
Bandung: Refika Aditama.
Sugiyono. 2011. Metode Penelitian Kombinasi (Mixed Methods). Bandung:
Alfabeta.
Soekanto, Soerjono. 2007. Sosiologi Suatu Pengantar. Jakarta: PT. Raja Grafindo Persada.
Stuart, GM. Verryn. 2003. Pengantar Hukum Perbankan. Jakarta: PT.
Gramedia Pustaka Utama.
Sudarsono, Heri. 2008. Bank & Lembaga Keuangan Syari’ah. Cet. ke-2;
Yogyakarta: Ekonisia.
Syamsi, Ibnu. 2000. Pengambilan Keputusan dan Sistem Informasi.
Jakarta: Bumi Aksara.
Sugiyono. 2010. Metode Penelitian Kuantitatif Kualitatif & RND. Bandung:
Alfabeta.
Sujianto, Agus Eko. 2009. Aplikasi Statistik Dengan SPSS 16.0. Jakarta:
PT. Prestasi Pustakaraya.
Santoso, Luqman. 2016. “Persepsi masyarakat umum terhadap perbankan syariah”. Skripsi: IAIN Salatiga.
Utami, Dwi Ana Ratna. 2017. “Pengaruh persepsi masyarakat tentang perbankan syariah terhadap minat menabung di bank syariah”.
Skripsi: UIN Sunan Kalijaga Yogyakarta.
A L M P
R I
N A
JK
Frequency Percent Valid Percent
Cumulative Percent
Valid L 52 55.3 55.3 55.3
P 42 44.7 44.7 100.0
Total 94 100.0 100.0
UMUR
Frequenc
y Percent
Valid Percent
Cumulative Percent
Valid 19.0 1 1.1 1.1 1.1
20.0 1 1.1 1.1 2.1
22.0 5 5.3 5.3 7.4
23.0 4 4.3 4.3 11.7
24.0 3 3.2 3.2 14.9
25.0 6 6.4 6.4 21.3
26.0 9 9.6 9.6 30.9
27.0 12 12.8 12.8 43.6
28.0 8 8.5 8.5 52.1
29.0 5 5.3 5.3 57.4
30.0 1 1.1 1.1 58.5
32.0 2 2.1 2.1 60.6
34.0 2 2.1 2.1 62.8
35.0 3 3.2 3.2 66.0
36.0 4 4.3 4.3 70.2
37.0 3 3.2 3.2 73.4
38.0 5 5.3 5.3 78.7
39.0 2 2.1 2.1 80.9
40.0 2 2.1 2.1 83.0
44.0 1 1.1 1.1 84.0
45.0 2 2.1 2.1 86.2
46.0 4 4.3 4.3 90.4
47.0 1 1.1 1.1 91.5
48.0 2 2.1 2.1 93.6
Correlations
Q11 Q12 Q13 Q14 Q15 Q16 Q17 Q18 Q19 Q20
Keputusan Memilih Bank Syariah
49.0 1 1.1 1.1 94.7
50.0 1 1.1 1.1 95.7
52.0 2 2.1 2.1 97.9
54.0 1 1.1 1.1 98.9
55.0 1 1.1 1.1 100.0
Total 94 100.0 100.0
N 94 94 94 94 94 94 94 94 94 94 94
Q2 Pearson Correlation .380** 1 .714** .629** .399** .652** .307** .508** .525** -.110 .787**
Sig. (2-tailed) .000 .000 .000 .000 .000 .003 .000 .000 .290 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q3 Pearson Correlation .430** .714** 1 .721** .398** .643** .251* .424** .602** -.100 .803**
Sig. (2-tailed) .000 .000 .000 .000 .000 .014 .000 .000 .335 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q4 Pearson Correlation .336** .629** .721** 1 .297** .693** .365** .354** .508** -.106 .749**
Sig. (2-tailed) .001 .000 .000 .004 .000 .000 .000 .000 .311 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q5 Pearson Correlation .286** .399** .398** .297** 1 .401** .183 .177 .461** .250* .625**
Sig. (2-tailed) .005 .000 .000 .004 .000 .078 .088 .000 .015 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q6 Pearson Correlation .107 .652** .643** .693** .401** 1 .464** .320** .551** -.098 .752**
Sig. (2-tailed) .306 .000 .000 .000 .000 .000 .002 .000 .345 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q7 Pearson Correlation .114 .307** .251* .365** .183 .464** 1 .386** .344** -.188 .478**
Sig. (2-tailed) .275 .003 .014 .000 .078 .000 .000 .001 .069 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q8 Pearson Correlation .242* .508** .424** .354** .177 .320** .386** 1 .489** -.066 .597**
Sig. (2-tailed) .019 .000 .000 .000 .088 .002 .000 .000 .526 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q9 Pearson Correlation .455** .525** .602** .508** .461** .551** .344** .489** 1 .098 .801**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .001 .000 .345 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q10 Pearson Correlation .057 -.110 -.100 -.106 .250* -.098 -.188 -.066 .098 1 .179
Sig. (2-tailed) .588 .290 .335 .311 .015 .345 .069 .526 .345 .084
N 94 94 94 94 94 94 94 94 94 94 94
Persepsi Masyarakat Pearson Correlation .510** .787** .803** .749** .625** .752** .478** .597** .801** .179 1
Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000 .000 .084
N 94 94 94 94 94 94 94 94 94 94 94
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).
Q11 Pearson Correlation 1 .569** .288** .404** .490** .233* .222* .224* .377** .404** .653**
Sig. (2-tailed) .000 .005 .000 .000 .024 .032 .030 .000 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q12 Pearson Correlation .569** 1 .437** .719** .567** .386** .429** .294** .291** .496** .756**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .004 .004 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q13 Pearson Correlation .288** .437** 1 .299** .406** .134 .254* .086 .106 .192 .445**
Sig. (2-tailed) .005 .000 .003 .000 .197 .013 .408 .311 .063 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q14 Pearson Correlation .404** .719** .299** 1 .655** .485** .496** .316** .421** .633** .788**
Sig. (2-tailed) .000 .000 .003 .000 .000 .000 .002 .000 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q15 Pearson Correlation .490** .567** .406** .655** 1 .486** .553** .214* .471** .602** .791**
Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .038 .000 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q16 Pearson Correlation .233* .386** .134 .485** .486** 1 .751** .352** .492** .502** .687**
Sig. (2-tailed) .024 .000 .197 .000 .000 .000 .001 .000 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q17 Pearson Correlation .222* .429** .254* .496** .553** .751** 1 .373** .450** .596** .725**
Sig. (2-tailed) .032 .000 .013 .000 .000 .000 .000 .000 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q18 Pearson Correlation .224* .294** .086 .316** .214* .352** .373** 1 .329** .346** .499**
Sig. (2-tailed) .030 .004 .408 .002 .038 .001 .000 .001 .001 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q19 Pearson Correlation .377** .291** .106 .421** .471** .492** .450** .329** 1 .784** .698**
Sig. (2-tailed) .000 .004 .311 .000 .000 .000 .000 .001 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Q20 Pearson Correlation .404** .496** .192 .633** .602** .502** .596** .346** .784** 1 .817**
Sig. (2-tailed) .000 .000 .063 .000 .000 .000 .000 .001 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
Keputusan Memilih Bank Syariah
Pearson Correlation .653** .756** .445** .788** .791** .687** .725** .499** .698** .817** 1
Sig. (2-tailed) .000 .000 .000 .000 .000 .000 .000 .000 .000 .000
N 94 94 94 94 94 94 94 94 94 94 94
**. Correlation is significant at the 0.01 level (2-tailed).
*. Correlation is significant at the 0.05 level (2-tailed).
Uji Reliability
Reliability Statistics
Cronbach's Alpha
Cronbach's Alpha Based on
Standardized
Items N of Items
.815 .831 10
Reliability Statistics
Cronbach's Alpha
Cronbach's Alpha Based on
Standardized
Items N of Items
.873 .876 10
Uji Normalitas
Uji Autokorelasi
Uji Heteroskedastisitas
Reliability Statistics
Cronbach's
Alpha N of Items
.884 20
Model Summaryb
Model R R Square
Adjusted R Square
Std. Error of the Estimate
Change Statistics
Durbin-Watson R Square
Change F Change df1 df2 Sig. F Change
1 .481a .232 .223 4.92805 .232 27.738 1 92 .000 1.803
a. Predictors: (Constant), Persepsi Masyarakat
b. Dependent Variable: Keputusan Memilih Bank Syariah
Uji Regresi
Uji t
Coefficientsa
Model
Unstandardized Coefficients
Standardized Coefficients
T Sig.
Collinearity Statistics
B Std. Error Beta Tolerance VIF
1 (Constant) 14.637 4.054 3.611 .000
Persepsi Masyarakat .569 .108 .481 5.267 .000 1.000 1.000
a. Dependent Variable: Keputusan Memilih Bank Syariah
Model
Unstandardized Coefficients
Standardized Coefficients
t Sig.
B Std. Error Beta
1 (Constant) 14.637 4.054 3.611 .000
Persepsi Masyarakat .569 .108 .481 5.267 .000
Determinasi R2
Frequencies
Notes
Output Created 06-OCT-2018 23:17:54
Comments
Input Data D:\Syamsinar\proposal\SKRIPSI
SINAR\SKRIPSI
SINAR\spss\SINAR2.sav
Active Dataset DataSet1
Filter <none>
Weight <none>
Split File <none>
N of Rows in Working Data
File 94
Model R R Square
Adjusted R Square
Std. Error of the Estimate
Durbin-Watson
1 .481a .232 .223 4.92805 1.803
Missing Value Handling Definition of Missing User-defined missing values are treated as missing.
Cases Used Statistics are based on all cases with valid data.
Syntax FREQUENCIES VARIABLES=Q1 Q2
Q3 Q4 Q5 Q6 Q7 Q8 Q9 Q10 Q11 Q12 Q13 Q14 Q15 Q16 Q17 Q18 Q19 Q20 /ORDER=ANALYSIS.
Resources Processor Time 00:00:00.00
Elapsed Time 00:00:00.06
[DataSet1] D:\Syamsinar\proposal\SKRIPSI SINAR\SKRIPSI SINAR\spss\SINAR2.sav
Statistics
Q1 Q2 Q3 Q4 Q5 Q6 Q7
N Valid 94 94 94 94 94 94 94
Missing 0 0 0 0 0 0 0
Statistics
Q8 Q9 Q10 Q11 Q12 Q13 Q14
N Valid 94 94 94 94 94 94 94
Missing 0 0 0 0 0 0 0
Statistics
Q15 Q16 Q17 Q18 Q19 Q20
N Valid 94 94 94 94 94 94
Missing 0 0 0 0 0 0
Frequency Table
Q1
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 1 1.1 1.1 1.1
3.0 1 1.1 1.1 2.1
4.0 72 76.6 76.6 78.7
5.0 20 21.3 21.3 100.0
Total 94 100.0 100.0
Q2
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 1 1.1 1.1 1.1
2.0 8 8.5 8.5 9.6
3.0 24 25.5 25.5 35.1
4.0 54 57.4 57.4 92.6
5.0 7 7.4 7.4 100.0
Total 94 100.0 100.0
Q3
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 2 2.1 2.1 2.1
2.0 5 5.3 5.3 7.4
3.0 29 30.9 30.9 38.3
4.0 48 51.1 51.1 89.4
5.0 10 10.6 10.6 100.0
Total 94 100.0 100.0
Q4
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 1 1.1 1.1 1.1
2.0 5 5.3 5.3 6.4
3.0 36 38.3 38.3 44.7
4.0 49 52.1 52.1 96.8
5.0 3 3.2 3.2 100.0
Total 94 100.0 100.0
Q5
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 2 2.1 2.1 2.1
2.0 2 2.1 2.1 4.3
3.0 11 11.7 11.7 16.0
4.0 63 67.0 67.0 83.0
5.0 16 17.0 17.0 100.0
Total 94 100.0 100.0
Q6
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 1 1.1 1.1 1.1
2.0 5 5.3 5.3 6.4
3.0 29 30.9 30.9 37.2
4.0 48 51.1 51.1 88.3
5.0 11 11.7 11.7 100.0
Total 94 100.0 100.0
Q7
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 2 2.1 2.1 2.1
3.0 13 13.8 13.8 16.0
4.0 65 69.1 69.1 85.1
5.0 14 14.9 14.9 100.0
Total 94 100.0 100.0
Q8
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 1 1.1 1.1 1.1
2.0 7 7.4 7.4 8.5
3.0 40 42.6 42.6 51.1
4.0 42 44.7 44.7 95.7
5.0 4 4.3 4.3 100.0
Total 94 100.0 100.0
Q9
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 1 1.1 1.1 1.1
2.0 4 4.3 4.3 5.3
3.0 35 37.2 37.2 42.6
4.0 41 43.6 43.6 86.2
5.0 13 13.8 13.8 100.0
Total 94 100.0 100.0
Q10
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 3 3.2 3.2 3.2
2.0 7 7.4 7.4 10.6
3.0 35 37.2 37.2 47.9
4.0 26 27.7 27.7 75.5
5.0 23 24.5 24.5 100.0
Total 94 100.0 100.0
Q11
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 5 5.3 5.3 5.3
2.0 20 21.3 21.3 26.6
3.0 16 17.0 17.0 43.6
4.0 38 40.4 40.4 84.0
5.0 15 16.0 16.0 100.0
Total 94 100.0 100.0
Q12
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 5 5.3 5.3 5.3
3.0 36 38.3 38.3 43.6
4.0 43 45.7 45.7 89.4
5.0 10 10.6 10.6 100.0
Total 94 100.0 100.0
Q13
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 3 3.2 3.2 3.2
3.0 22 23.4 23.4 26.6
4.0 59 62.8 62.8 89.4
5.0 10 10.6 10.6 100.0
Total 94 100.0 100.0
Q14
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 2 2.1 2.1 2.1
2.0 7 7.4 7.4 9.6
3.0 28 29.8 29.8 39.4
4.0 50 53.2 53.2 92.6
5.0 7 7.4 7.4 100.0
Total 94 100.0 100.0
Q15
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 5 5.3 5.3 5.3
3.0 21 22.3 22.3 27.7
4.0 52 55.3 55.3 83.0
5.0 16 17.0 17.0 100.0
Total 94 100.0 100.0
Q16
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 8 8.5 8.5 8.5
3.0 32 34.0 34.0 42.6
4.0 46 48.9 48.9 91.5
5.0 8 8.5 8.5 100.0
Total 94 100.0 100.0
Q17
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 4 4.3 4.3 4.3
3.0 41 43.6 43.6 47.9
4.0 40 42.6 42.6 90.4
5.0 9 9.6 9.6 100.0
Total 94 100.0 100.0
Q18
Frequency Percent Valid Percent
Cumulative Percent
Valid 2.0 8 8.5 8.5 8.5
3.0 53 56.4 56.4 64.9
4.0 28 29.8 29.8 94.7
5.0 5 5.3 5.3 100.0
Total 94 100.0 100.0
Q19
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 2 2.1 2.1 2.1
2.0 6 6.4 6.4 8.5
3.0 30 31.9 31.9 40.4
4.0 48 51.1 51.1 91.5
5.0 8 8.5 8.5 100.0
Total 94 100.0 100.0
Q20
Frequency Percent Valid Percent
Cumulative Percent
Valid 1.0 2 2.1 2.1 2.1
2.0 11 11.7 11.7 13.8
3.0 25 26.6 26.6 40.4
4.0 46 48.9 48.9 89.4
5.0 10 10.6 10.6 100.0
Total 94 100.0 100.0