Pengaruh Tingkat Suku Bunga, Kepercayaan, dan Pelayanan terhadap Keputusan Menabung di Bank Mandiri Cabang Sumbawa
DOI:
https://doi.org/10.71417/j-sime.v3i1.2107Keywords:
Suku Bunga, Kepercayaan, Efektivitas Pelayanan, dan Keputusan MenabungAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh suku bunga, kepercayaan, dan layanan terhadap keputusan nasabah dalam menabung di Cabang Bank Mandiri Sumbawa. Penelitian menggunakan pendekatan kuantitatif dengan desain penelitian asosiatif kausal untuk menguji hubungan antarvariabel. Populasi penelitian adalah seluruh nasabah Bank Mandiri Cabang Sumbawa, sedangkan sampel berjumlah 99 responden yang dipilih menggunakan teknik purposive sampling berdasarkan kriteria tertentu. Data primer diperoleh melalui penyebaran kuesioner yang disusun menggunakan skala Likert. Analisis data dilakukan dengan bantuan program SPSS melalui uji validitas, uji reliabilitas, uji asumsi klasik yang meliputi uji normalitas, multikolinearitas, dan heteroskedastisitas, kemudian dilanjutkan dengan analisis regresi linier berganda. Pengujian hipotesis dilakukan menggunakan uji t untuk mengetahui pengaruh parsial, uji F untuk menguji pengaruh simultan, serta koefisien determinasi (R²) untuk mengukur kemampuan model dalam menjelaskan variasi variabel dependen. Hasil penelitian menunjukkan bahwa suku bunga, kepercayaan, dan layanan secara parsial maupun simultan berpengaruh positif dan signifikan terhadap keputusan nasabah untuk menabung di Bank Mandiri Cabang Sumbawa. Temuan ini menunjukkan bahwa peningkatan kualitas layanan, kepercayaan nasabah, dan kebijakan suku bunga yang kompetitif merupakan faktor penting dalam mendorong keputusan masyarakat untuk menyimpan dana di perbankan.
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