Analisa Pengaruh Kepercayaan, Jaminan Rasa Aman, dan Aksesbilitas terhadap Minat Menabung Nasabah Bank Danamon di Surabaya

Yohana Neysa Setyawan(1*),


(1) 
(*) Corresponding Author

Abstract


Among the number of national banks, the biggest increasing for savings application for three years is Danamon Bank. During latest three years, the number of savings application at Danamon Bank more than 30%. The increasing of of savings application at Danamon Bank caused by consumer trust, safety guarantee, and accessibility. The purpose of this research is to identify terhadap impact of consumer trust, safety guarantee, and accessibility towards savings application at Danamon Bank.
The research use causal design. The independent variables are: consumer trust, safety guarantee, and accescibility. While the dependent variable is savings application. The number of samples are 100 samples. Data analysis technique by linier double regression. The research showing that consumer trust, safety guarantee, and accescibility have impact toward savings application. As the conclusion, safety guarantee have biggest impact towards savings application.

Keywords


Consumer Trust, Safety Guarantee, Accescibility, Savings Application

Full Text:

PDF

References


Akbar MM dan N Parvez. (2009, Januari). Impact of Service Quality, Trust, and Customer satisfaction on Custmer Loyalty. ABAC Journal Vol. 29, No. 1 (January-April 2009, pp.24-38). Retrieved September 8, 2013, from http://www.journal.au.edu/abac_journal/2009/jan09/article02_JanApr2009.pdf

Arikunto, Suharsimi. 1992. Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: Rineka Cipta.

Bank Indonesia. (2013). Laporan Keuangan Publikasi Bank. Retrieved Desember 14, 2013, from http://www.bi.go.id/web/id/Publikasi/Laporan+Keuangan+Publikasi+Bank/Alamat+Bank/Alamat+Bank+Umum/

Biro Riset Infobank. (2011, November 15). Jumlah Nasabah 10 Bank Besar. Infobank News. Retrieved September 8, 2013, from http://www.infobanknews.com/2011/11/36445/

Black, J. A., dan Champion, D. J. 2001. Metode dan Masalah Penelitian Sosial (Terjemahan). Refika Aditama, Bandung.

Danamon Mengumumkan Hasil Kinerja Kuartal Ketiga Tahun 2012. (2012, Oktober 17). Retrieved September 13, 2013, from http://www.danamon.co.id/Home/AboutDanamon/News/tabid/351/mid/970/newsid970/800/language/id-ID/Default.aspx

Ellis I. (2011, Februari). The Implication of Abraham Maslow’s Hierarchy of Needs Theory to Business Activities in Nigeria. African Journal of Social Sciences Volume 1 Number 1 February 2011 pp. 168-178. Retrived September 18, 2013, from http://sachajournals.com/documents/ELLIS002.pdf

Kinnear, Thomas C. and James R. Taylor. 1995. Marketing Research: An Applied Approach. McGraw Hill Text.

Maharani, Astri Dhiah. 2010. Analisis Pengaruh Kepercayaan Dan Kepuasan Terhadap Loyalitas Nasabah Tabungan Bank Mega Semarang. Skripsi. Universitas Diponegoro: Semarang. Retrieved September 12, 2013, from http://eprints.undip.ac.id/22618/1/SKRIPSI_PDF.pdf

Mayasari F, EP Kurniawati, dan PI Nugroho. 2011. Anteseden dan konsekuen sikap nasabah dalam menggunakan internet banking dengan menggunakan kerangka technology acceptance model (TAM) (Survey pada pengguna KlikBCA). Seminar Nasional Teknologi Informasi & Komunikasi Terapan 2011 (Semantik 2011) ISBN 979-26-0255-0. Retrieved September 23, 2013, from http://repository.library.uksw.edu/bitstream/handle/123456789/257/PROS_Feronika%20Mayasari-E%20Penti%20Kurniawati-Paskah%20I%20Nugroho_Anteseden%20dan%20konsekuen%20sikap_Abstract.pdf?sequence=1

Mayer, R.C., Davis, J. H., dan Schoorman, F. D., 1995. An Integratif Model of Organizational Trust, Academy of Management Review, 30 (3): 709-734. Retrieved September 8, 2013, from http://www.gisma.com/en/about-us/gisma-faculty/full-professors/prof-dr-david-schoorman/selected-publications.html

Menon G, P. Raghubir, dan N. Schwarz. 2005. Behavioral frequency judgments: Antara accessibility diagnosticity framework. The Journal Of Consumer Research. Vol. 22. No 2. pimpinan 212-228. Retrieved Oktober 13, 2013, from http://groups.haas.berkeley.edu/marketing/PAPERS/PRIYA/p18.pdf

Nuryono, Sandiyu. (2011, January 28). Dalam Tiga Tahun, Jumlah Nasabah Danamon Lebih Naik 30%. Infobank News. Retrieved September 8, 2013, from http://www.infobanknews.com/2011/01/dalam-tiga-tahun-jumlah-nasabah-danamon-lebih-naik-30/

Parasuraman, A., Valarie A. Zeithaml, and Leonard L. Berry. (1985). A conceptual model of service quality and the implications for future research. Journal of Marketing, 49 (Fall):41-50. Retrieved September 13, 2013, from http://sistemas-humano-computacionais.wdfiles.com/local--files/capitulo%3Asistemas-de-servico/ServQual.PDF

Rofiq, Ainur. 2007. PENGARUH DIMENSI KEPERCAYAAN (TRUST) TERHADAP PARTISIPASI PELANGGAN E-COMMERCE (Studi Pada Pelanggan E-Commerce Di Indonesia). Thesis, Universitas Brawijaya, Malang. Retrieved September 8, 2013, from http://ainurrofiq.lecture.ub.ac.id/files/2012/03/tesis_ainurrofiq_dimensi_trust.pdf

Saragih. 2009. Analisis Pengaruh Angka Beban Tanggungan Hidup dan Jumlah Rekening Tabungan Terhadap Perilaku Tabungan Masyarakat di Sumatera Utara. Medan : Universitas Sumatera Utara.

Sitompul Z. 2005. Penjaminan Dana Nasabah Bank: dari Blanket Guarantee ke Limited Guarantee (Menyambut Kehadiran Lembaga Penjamin Simpanan). Jurnal Hukum Bisnis, Volume 23 – N0.3 – Tahun 2004. Retrieved Oktober 14, 2013, from http://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CC8QFjAA&url=http%3A%2F%2Fsippm.unas.ac.id%2Fpage%2Fdownload.php%3Fpath%3D..%2Ffiles%2Flp_tc_penelitian%2F%26file%3D62penjaminan-nasabah-jhb_kehadiran-lps_artikel.pdf&ei=aFqwUvnbCJCyiQf1g4G4Cw&usg=AFQjCNEbhpqH7lMGhVxrgCb5jvb7XPtxiw&sig2=_tjPWvkRJWYEgCcG9sIHHA&bvm=bv.57967247,d.aGc

Sugiyono. 2004. Metode Penelitian Bisnis. Bandung: CV. Alfabeta

Sugiyono. 2007. Statistika untuk Penelitian. Bandung: Tarsito.

Suharini M. 2008. Persepsi Nasabah terhadap Penerapan Sistem Layanan Produk dan Jasa e-Banking. Bisnis & Birokrasi, Jurnal Ilmu Administrasi dan Organisasi, Sept—Des 2008, hlm. 168-177 ISSN 0854-3844. Retrieved Oktober 14, 2013, from http://journal.ui.ac.id/index.php/jbb/article/viewFile/591/576

Undang-Undang Republik Indonesia Nomor 24 Tahun 2004 Tentang Lembaga Penjamin Simpanan. (2004). Retrieved September 13, 2013, from http://lps.go.id/v2/home.php?link=peraturan&tp=Undang-undang

Wang C dan Z. Wang. 2005. The impact of internet on service quality in the banking sector. Master Thesis, Continuation Courses Electrinic Commerce. Department of business administration and social sciences division of industrial marketing and e-commerce. ISSN: 1653-0187. Retrieved Oktober 14, 2013, from http://epubl.ltu.se/1653-0187/2006/07/LTU-PB-EX-0607-SE.pdf

Wardani A. 2009. Pengaruh kepercayaan, pelayanan, dan fasilitas bank terhadap perilaku menabung (Studi pada nasabah bank Purworejo). Jurnal Ekonomi UNMER. Vol 9 No 2. Retrieved Oktober 13, 2013, from

http://ejournal.umpwr.ac.id/index.php/segmen/article/view/360/379

Zur, A., Leckie, C., & Webster, C. M. (2012). Cognitive and Affective Trust between Australian Exporters and Their Overseas Buyers. Australasian Marketing Journal, 20(1), 73-79. Retrieved Oktober 10, 2013, from http://www.datadanesh.com/freearticle/2006.pdf


Refbacks

  • There are currently no refbacks.