Saudi Journal of Business and Management Studies (SJBMS)
Volume-3 | Issue-12 | 1305-1317
Original Research Article
Purchase Decision: Analysis of Price Perception, Process and Quality of Product (Case Study on Sharia KPR Finance Product in PT Bank Permata’s Sharia Business Unit)
Hapzi Ali, Adji Budianto
Published : Dec. 30, 2018
Abstract
The purpose of this study is to find out how the perception of price, process and quality of Product influences purchasing decisions with a case study of sharia KPR financing products in PT Bank Permata Syariah Business Unit. There was significant gap between target and sharia KPR finance realization achievement until August 2018 because the target was not achieved. In addition, the ranking of Bank Permata Syariah which is still far below shows that the contribution of KPR financing is not yet high. This is caused by many factors including the price / margin factor offered to customers who are still less competitive, the financing process and product quality that still need to be improved. The design of this research is explanatory. The samples taken in this study were the customers of Bank Permata Syariah in the South Tangerang Region who already had Sharia KPR financing and filled out questionnaires. They were taken by using the accidental sampling method with some specified criteria. The sampling technique was Purposive Sampling Method on 1504 of total population of customers of Bank Permata Syariah in the South Tangerang Region. By using the Slovin formula, 100 customers was obtained as samples. Analysis method of this research was qualitative method with Multiple Linear Regression as analysis tool, and helped by SPSS version 23.0. Before the analysis was carried out, the questionnaire instrument test was carried out with validity and reliability tests and classic assumptions. After that, it was analyzed by Multiple Linear Regression followed by a test of determination analysis (RSquare), partial hypothesis testing (t test) and simultaneous (F test) with a 5% error tolerance level. The results showed that there was an influence of price perceptions on purchasing decisions partially, the process of purchasing decisions partially, product quality on purchasing decisions partially and perceptions of price, process and product quality simultaneously influenced purchasing decisions for Sharia KPR financing products at Bank Permata Syariah