THE INFLUENCE OF CUSTOMER DISCIPLINE AND INSTALLMENT PAYMENT ON BTPN SYARIAH FINANCING IN DALAN LIDANG VILLAGE

Abstract

This study aims to determine the effect of discipline and installment payments on financing at BTPN Syariah in Dalan Lidang Village. This study was conducted in Dalan Lidang Village. The research method used is a quantitative research method, namely a method that uses many questionnaires. Samples were taken using a questionnaire technique directly to customers, namely 100 customers. The results of the data analysis study using the t-test show that the t-test coefficient of discipline is 5.301, while the t table can be seen in the t-test table with α = 0.05 and df = 98, the t table is 1.660. The discipline variable (X1) has a p-value of 0.00 <0.05, meaning it is significant, while the t count> t table (5.302> 1.660), it can be concluded that the discipline variable has a significant effect on financing at BTPN Syariah in Dalan Lidang Village. Installment payment variable (X2) shows that the t coefficient is 7.308. While the t table can be seen in the t-test with α = 0.05 and df = 98, the t table is 1.660. The payment variable has a p-value of 0.00 <0.05, meaning it is significant, while the t count> t table (7.308> 1.600), it can be concluded that the payment variable has a significant effect on financing at BTPN Syariah in Dalan Lidang Village. And the calculation results using the f test and a significant value of 0.000 and a calculated value of 69.662 from these results can show that the discipline and payment variables both have an effect on financing at BTPN Syariah. And the R2 test states that the correlation value obtained is 0.768, meaning that it is included in the category of strong correlation between variables 59.0%, meaning that the independent and dependent variables are 59.0% with the remaining 41% influenced by other variables.