Pengaruh Financial Risk dan Performance Risk terhadap Switching Barrier Nasabah PT. BPRS Lantabur Tebuireng Mojokerto
Keywords:
Pengaruh Financial Risk, Performance Risk, Switching Barrier, PT. BPRS Lantabur Tebuireng Mojokerto
Abstract
Setiap bank menginginkan agar para nasabah tetap setia dan tidak pindah ke bank yang lain. Maka dari itu pihak bank semestinya memperhatikan hambatan berpindah (switching barrier) nasabah. Semakin tinggi switching barrier akan memiliki dampak yang positif bagi bank, karena switching barrier akan menjadikan nasabah memiliki customer retention (kecenderungan nasabah untuk tetap bertahan) yang tinggi dan loyalitas mereka juga akan semakin meningkat. Di antara faktor yang diduga mempengaruhi switching barrier adalah financial risk dan performance risk yang merupakan bagian dari perceived risk.
Penelitian ini berusaha menguji pengaruh variabel financial risk dan performance risk terhadap switching barrier para nasabah di PT. BPRS Lantabur Tebuireng Mojokerto. Pendekatan yang digunakan adalah kuantitatif. Sampel penelitian ini adalah nasabah yang berjumlah 82 orang. Sampel tersebut sudah lebih dari cukup karena menggunakan metode analisis PLS dengan software smartPLS yang tidak memerlukan banyak sampel.
Hasil penelitian menunjukkan bahwa financial risk berpengaruh terhadap switching barrier dan performance risk juga berpengaruh terhadap switching barrier.  Pengaruh Financial risk  terhadap switching barrier memiliki nilai t-statistik 2,628. Adapun pengaruh performance risk  terhadap switching barrier memiliki nilai t-statistik 2,131. Nilai keduanya lebih besar dari t-tabel (1,96) sehingga keduanya secara parsial berpengaruh secara siginifikan terhadap switching barrier.
References
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S. Carroll, Michael, “Development of a Scale to Measure Perceived Risk in Collegiate Spectator Sport and Assess its Impact on Sport Consumption Intentions”, Disertasi -- University of Florida, 2009
Spence, Engel, dan Blackwell, “Perceived Risk in Mail-order and Retail Store Buying”, Journal of Marketing Research, 1970
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Supomo, Metode Penelitian Kualitatif dan Kuantitatif , Jakarta: Rajawali Press, 2005
Suryani, Tatik dan Herizon Chaniago, “Switching Barrier Factors In Islamic Banking and The Effects On Customer Retention”, Journal of Consumer Marketing, Juli, 2011
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Wikipedia, Partisipasi, dalam https://id.wikipedia.org/wiki/Partisipasi (03 Februari 2016 pukul 17:53)
Agama RI, Kementrian, Al-Quran dan Terjemahannya, Surabaya: Mahkota, 1989
Ali, Masyhud, Manajemen Risiko, Strategi Perbankan dan Dunia Usaha Menghadapi Tantangan Globalisasi Bisnis, Jakarta: PT. Rajagrafindo Persada, 2006
Antonio, Syafi’i, Bank Syariah; dari Teori ke Praktik, Jakarta: Gema Insani, 2001
as-Sa’dî, Abdurrahmân bin Nâ?ir, Taysîru al-Karîm ar-Rahmân fî tafsîri Kalâmi al-Mannân, Kairo: Dâr el-Hadith, 2005
Assael, H, Consumer Behavior and Marketing Action, Ohio: South Western College Publishing, 1998
Bansal, Taylor, and James, “Migrating to New Service Providers: Toward a Unifying Framework of Consumers Switching Behaviors,”Journal of the Academy of Marketing Science, Vol.33, No.1, 2005
Bauer, R. A. Consumer Behavior as Risk Taking, Cambridge: University Press., 1960
Bettman, “Perceived Risk and its Components: a Model and Empirical Test”, Journal of Marketing Research, October, 1973
Brooker, “An Assessment of an Expanded Measure of Perceived Risk”, Consumer Research, November, 1984
Cases, A, “Perceived Risk and Risk Reduction Strategies in Internet Shopping”, The International Review of Retail, Distribution and Consumer Research, December, 2002
Darmawi, Herman, Manajemen Risiko, Jakarta: Bumi Aksara, 2016
Dimyati, Mohamad, Analisis SEM Dalam Uji Pengaruh Beberapa Variabel Terhadap Loyalitas, Jakarta: Mitra Wacana Media, 2009
Fornell, C., dan Wernerfelt, B, “Defensive Marketing Strategy by Customer Complaint Management: A Theoretical Analysis”, Journal of Marketing Research, Vol. 24, No.4, November, 1987
Ghozali, Imam, Manajemen Risiko Perbankan, Semarang: Badan Penerbit Universitas Diponegoro, 2007
Hengky Latan, Partial Least Squares “Konsep, Metode dan Aplikasi” menggunakan Program WarpPLS 2.0, Semarang: Badan Penerbit Undip, 2012
, Aplikasi Analisis Multivariat dengan Program SPSS, Semarang: Badan Penerbit Universitas Diponegoro, 2005
Hasymi, Manajemen Asuransi, Jakarta: Balai Pustaka, 1982
Indonesia, Ikatan Bankir, Manajemen Risiko 1, Jakarta: PT. Gramedia Pustaka Utama, 2015
Indriantoro, Nur dan Bambang Supomo, Metodologi Penelitian Bisnis: Untuk Akuntansi dan Manajemen, Yogyakarta: BPFE-Yogyakarta, 2011
Ishak, Asmai dan Zhafitri Luthfi, “Pengaruh Kepuasan dan Kepercayaan Konsumen Terhadap Loyalitas”, Jurnal Siasat Bisnis, Vol. 15, No.1, Januari, 2011
Jacoby dan Kaplan, “The Components of Perceived Risk”, Proceedings--University of Chicago, 1972
Jones, M.A., Mothersbaugh, D.L. dan Beatty, “Switching Barriers and Repurchase Intentions in Services”, Journal of Retailing, 2000
Hartatik dan Lie Othman, “Analisis Hambatan Berpindah (Switching Barrier) Kartu Prabayar Simpati Telkomsel (Studi pada Mahasiswa Fisip Universitas Riau)”, Jurnal Aplikasi Bisnis, Vol. 1 No. 1, Oktober, 2010
Hasan, Iqbal, Analisis Data Penelitian Dengan Statistika, Jakarta: Bumi Aksara, 2006
Havlena dan Desarbo, “On the Measurement of Perceived Consumer Risk, Decision Sciences”, Journal of Consumer Marketing, 1991
Kasid, Manajemen Risiko, Bogor: Ghalia Indonesia, 2010
Ken Kwong, “Partial Least Squares Structural Equation”, Marketing Bulletin, 2014
M. Hanafi, Mamdud, Manajemen Risiko, Yogyakarta: UPP STIM YKPN,2006
Mika Rosalina, “Pengaruh Kesadaran Merek, Asosiasi Merek, dan Persepsi Kualitas terhadap Perluasan Merek dan Loyalitas Merek pada Produk-Produk Merek Molto (Studi pada Mahasiswa Kost di Kampung Baru, Kec. Kedaton, Bandar Lampung)”, Skripsi—Universitas Lampung, 2013
Mitchell dan Greatorex, “Risk Perception and Reduction in the Purchase of Consumer Services”, The Service Industries Journal, December, 1993
Mullins, John dan Orville Walker, Marketing Management: A Strategic Decision-Making Approach, Boston: McGraw-Hill, 2010
Murray dan Schlacter, “The Impact of Services Versus Goods on Consumer’s Assessment of Perceived Risk and Variability”, Journal of the Academy of Marketing Science, 1990
Oglethorpe, J.E dan Monroe, B.K, “Determinant of Perceived Health and Safety Risk of Selected Hazardous Product and Activities”, Journal of Consumer Research, No. 28,1994
Pavlou, “Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model,” International Journal of Electronic Commerce, Vol. 7, Maret, 2010
Rozandy, Rizki Aditya dkk, “Analisis Variabel-Variabel yang Mempengaruhi Tingkat Adopsi Teknologi dengan Metpde Partial Least Square (Sudi Kasus Pada Sentra Industri Tahu Desa Sendang, Kec.Banyakan, Kediri)”, Jurnal Industria, Vol 1, No 3, 2012
Salim, Abbas, Dasar-dasar Asuransi, Jakarta: Rajawali Press, 1989
Sari, Dewi Harmila dan Nanang Suryadi, ”Pengaruh Kepuasan Pelanggan dan Switching Barrier terhadap Customer Retention Kartu GSM (Studi Kasus Pada Mahasiswa S1 Universitas Brawijaya Malang)”, Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Brawijaya, Vol. 1, No.2, 2016
S. Carroll, Michael, “Development of a Scale to Measure Perceived Risk in Collegiate Spectator Sport and Assess its Impact on Sport Consumption Intentions”, Disertasi -- University of Florida, 2009
Spence, Engel, dan Blackwell, “Perceived Risk in Mail-order and Retail Store Buying”, Journal of Marketing Research, 1970
Stone, dan Gronhaug, “Perceived Risk: Further Considerations for the Marketing Discipline”, European Journal of Marketing, July, 1993
Sugiyono, Metode Penelitian Kombinasi, Mixed Methods , Bandung: Alfabeta, 2013
, Statistika untuk Penelitian, Bandung: Alfabeta, 2007
Supomo, Metode Penelitian Kualitatif dan Kuantitatif , Jakarta: Rajawali Press, 2005
Suryani, Tatik dan Herizon Chaniago, “Switching Barrier Factors In Islamic Banking and The Effects On Customer Retention”, Journal of Consumer Marketing, Juli, 2011
Tung, Gu-Shin, Chiung-Ju Kuo, dan Yun-Ting Kuo, “Promotion, Switching barriers, and Loyalty in department store”, Australian Journal of Business and Management Research, Vol. 1, No.2, Mei, 2011
Wikipedia, Partisipasi, dalam https://id.wikipedia.org/wiki/Partisipasi (03 Februari 2016 pukul 17:53)
Published
2019-03-25
How to Cite
Mohamad Lukmanul Hakim. (2019). Pengaruh Financial Risk dan Performance Risk terhadap Switching Barrier Nasabah PT. BPRS Lantabur Tebuireng Mojokerto. Dinar : Jurnal Prodi Ekonomi Syariah, 2(2), 91-134. Retrieved from https://e-jurnal.stail.id/index.php/dinar/article/view/78
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Articles
