Comparative Study of Griya Hasanah Product Usage and Interest Rate Impact at Bank Syariah Indonesia KCP Batam Raden Patah

Studi Komparatif Penggunaan Produk Griya Hasanah dan Perubahan Suku Bunga di Bank Syariah Indonesia KCP Batam Raden Patah

Penulis

  • Ahmad Andrevi Alrasyidin Institut Teknologi Batam
  • Nahrul Hayati Institut Teknologi Batam

DOI:

https://doi.org/10.62375/jsintak.v3i1.375

Kata Kunci:

Griya Hasanah Product, One-way ANOVA, Linear Regression, Interest Rate

Abstrak

The Griya Hasanah product is a home installment financing option offered by Bank Syariah Indonesia, designed to facilitate customers in purchasing a house through credit payments. This study aims to determine whether there is a difference in the number of customers using the Griya Hasanah product each month and to assess whether interest rates have an impact on the number of customers. The research method used is quantitative, with data collection techniques involving secondary data provided by Bank Syariah Indonesia KCP Batam Raden Patah. Data analysis was conducted using linear regression tests and one-way ANOVA tests. Based on the data analysis, the first conclusion drawn is that there is no significant difference in the number of customers using the Griya Hasanah product. The second conclusion is that changes in interest rates do not have a significant impact on the number of customers using the Griya Hasanah product.

Referensi

Otoritas Jasa Keuangan, Statistik Perbankan Syariah Desember 2021. Jakarta: Otoritas Jasa Keuangan, 2022.

A. Ismail, S. Wiryono, dan C. Sukmadilaga, “The sustainability of the Indonesian Islamic banking industry after the merger,” Journal of Islamic Accounting and Business Research, vol. 12, no. 1, hlm. 62–79, 2021.

Bank Syariah Indonesia, “Produk Griya Hasanah,” Bank Syariah Indonesia.

S. Haron dan N. Ahmad, “The effects of conventional interest rates and rate of profit on funds deposited with Islamic banking system in Malaysia,” International Journal of Islamic Financial Services, vol. 1, no. 4, hlm. 1–7, 2000.

Badan Pusat Statistik Kota Batam, Pertumbuhan Ekonomi Kota Batam Tahun 2022. Badan Pusat Statistik Kota Batam, 2023.

F. Massey Jr, “The Kolmogorov-Smirnov test for goodness of fit,” J Am Stat Assoc, vol. 46, no. 253, hlm. 68–78, 1951.

I. Ghozali, Aplikasi Analisis Multivariate Dengan Program SPSS. Semarang: Universitas Diponegoro, 2001.

D. Gujarati dan D. Porter, Basic Econometrics, 5 ed. Hill Education, 2009.

Diterbitkan

2024-09-27

Cara Mengutip

Ahmad Andrevi Alrasyidin, & Nahrul Hayati. (2024). Comparative Study of Griya Hasanah Product Usage and Interest Rate Impact at Bank Syariah Indonesia KCP Batam Raden Patah: Studi Komparatif Penggunaan Produk Griya Hasanah dan Perubahan Suku Bunga di Bank Syariah Indonesia KCP Batam Raden Patah. JURNAL SINTAK, 3(1), 34–42. https://doi.org/10.62375/jsintak.v3i1.375

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