Analisa Minat Mahasiswa Terhadap Penggunaan Layanan Internet Banking Bank BNI Syariah

Rosmida Mufti, Teguh Suripto

Abstract


The development of technology and information at this time, affect changes in service to customers. One form of technology utilization in banking is the e-banking or internet banking application, which is a banking service product that uses the internet network. Meanwhile the volume of banking transactions using internet banking in Indonesia both in frequency and volume continues to increase. In 2014, the volume of internet banking reached Rp. 6,447 trillion, up 17.32% compared to the previous year. it turns out that internet banking users are also dominated by young age. We can see this from the results of a survey conducted by the Indonesian Internet Service Provider (APJII). From the survey, it is known that 49.52% of internet banking users are aged 19-34 years, then 29.55% are aged 35-54 years, and 4.24% are 54 years and older.

This research method is quantitative descriptive, an approach that illustrates the problem based on data in the form of numbers, then analyzed further to conclusions. The analytical tool is the SPSS Statistics Program.

The results of the study stated that the perception of benefits. Perceived ease and risk perception apparently partially has a significant influence on students' interest in using internet banking services at BNI Syariah Bank. Meanwhile simultaneously these three variables also have a significant influence on students' interest in using internet banking services at BNI Syariah bank. While the determination number shows that when the variable can explain the variable student interest in using internet banking services by 57.5%, while the rest is explained by other variables.


Keywords


Internet Banking; Minat Mahasiswa

Full Text:

PDF

References


Arizona, Yogastyan. 2015. Pengaruh Persepsi Kegunaan, Persepsi Kemudahan, Persepsi Keamanan Web, dan Informasi Online Banking Terhadap Minat Individu Menggunakan Internet Banking. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, Vol. 4 No. 1.

Azizah Khoirun Nisa, “Pengaruh Pengetahuan, Kepercayaan, dan Kemudahan E-Banking Terhadap Minat Bertransaksi Ulang Secara Online Dalam Perspektif Ekonomi Islam”, Skripsi (Lampung : Universitas Islam Negeri Raden Intan Lampung, 2018).

Farizi, Hadyan dan Syaefullah 2014. Pengaruh Persepsi Kegunaan, Persepsi Kemudahan, Persepsi Risiko dan Kepercayaan Terhadap Minat Menggunakan Internet Banking. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, Vol. 2, No 1.

Mila Karomillah, “Pengaruh Layanan E-Banking Terhadap Keputusan Nasabah BNI Syariah Cabang Pembantu Bintaro-Kebayoran Arcade”, Skripsi, (Jakarta : Universitas Islam Negeri Syarif Hidayatullah Jakarta, 2015).

Maria Bastita, dkk “Analisis Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Internet Banking”, Jurnal (Palembang : Universitas STIE Palembang, 2017).

Maya Angela Silvia “Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Internet Banking Pada PT. Bank Rakyat Indonesia (Persero) Tbk, Cabang Ahmad Yani Makassar”, Skripsi, S1 Program Studi Manajemen, (Makassar : Universitas Hasanuddin Makassar, 2014).

Setyanto, Totok Tri, Analisis Pengaruh Trust dan Mutu E-banking Terhadap Bertransaksi Ulang Secara Online, Skripsi, (Semarang : Fakultas Ekonomi Universitas Diponegoro, 2011).

Budi Agus Riswandi, Aspek hukum Internet Banking, (Jakarta : PT Raja Grafindo Persad, 2005).

Jonathan Sarwono, Analisis Data Penelitian Dengan Menggunakan SPSS, Yogyakarta : CV. Andi Offset, 2006.

Kadir, (1986), Dasar-dasar Psikologi, Yogyakarta: Kaliwangi Offet.

Kadir, Statistika Terapan Konsep. Contoh dan Analisis Data dengan Program SPSS/Lisrel dalam Penelitian, Jakarta,

Rajawali Pers, 2015.

Muhammad syafi’i Antonio, Bank Syariah dari Teori Ke praktik, (Jakarta : Gema Insani, 2001).

“Peraturan Bank Indonesia No.18/40/PBI/2016 Tentang Penyelenggaraan Pemprosesan Transaksi Pembayaran”,hlm.1.

Supriyono Maryono, “Buku Pintar Perbankan” Penerbit Andi, Yogyakarta.2010.

Sugiyono, Statistika Untuk Penelitian Bisnis, (Bandung, Alfabeta, 2007), hlm. 61.

Suharsimi Arikunto, Prosedur Penelitian: Suatu Pendekatan Praktek, (Jakarta, Rineka Cipta, 1998).

Sugiono, metode penelitian bisnis, Bndung: alfabeta,2013.

Yudianto, (1995) Kamus Umum Bahasa Indonesia Bandung : M2S.




DOI: http://dx.doi.org/10.21927/jesi.2020.10(1).55-61

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


Creative Commons License
JESI is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. View My Stats