THE EFFECT OF TRUST AND SECURITY PERCEPTION ON CUSTOMER'S DECISIONS USING MULTI-SERVICES IJARAH FUNDING

Abstrak

Customer trust and security perceptions have a close relationship with the choice of customer decisions in using financial institution services. Trust is the belief that someone will find what they want in an exchange partner. The level of transaction security is an important issue that customers often consider before deciding to choose a financial institution as a financing. The purpose of this study was to partially and simultaneously analyze the effect of trust and security perceptions on customer decisions to use Ijarah Multi Services financing at BPRS Lantabur Mojokerto Branch. This associative quantitative research uses questionnaire data collection techniques (questionnaire), documentation, and interviews. The population used was 140 customers who chose Ijaroh Multi Services financing at the BPRS Lantabur Mojokerto Branch. While the sample uses a purposive sample technique (sample aims). The data analysis technique used validity test, reliability test, classical assumption test and multiple linear regression. Based on the results of data analysis, it is known that: (1) Partial trust has a significant effect on Customer Decisions to Use Ijaroh Multi Services Financing at BPRS Lantabur, Mojokerto Branch, this is based on the value of tcount > ttable or 2.732 > 2.003 with a significance value of 0.000 which is smaller than 0.05. (2) Perception of security partially has a significant effect on Customer's Decision to Use Ijaroh Multi Services Financing at BPRS Lantabur, Mojokerto Branch, this is based on the value of tcount > ttable or 4.881 > 2.003 with a significance value of 0.000 which is smaller than 0.05. (3) the variables of Trust and Security Perception simultaneously have a significant effect on Customer Decisions to Use Ijaroh Multi Services Financing at BPRS Lantabur, Mojokerto Branch, this is based on the value of Fcount > Ftable or 38.036 > 3.16 with a significance value of 0.000 
which is smaller than 0.05. The magnitude of the influence of the variables of Trust and Security Perception on the variable of Customer Decisions to Use Ijaroh Multi Service Financing at BPRS Lantabur Mojokerto Branch is 57.6% and the remaining 43.4% is influenced by other factors outside of this study, such as service quality factors, knowledge, location, promotion, facilities and etc.