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Determinant Disonansi Kognitifnasabah Bank Syariah

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  • nugroho, anton priyo

Abstract

Penelitian ini dilakukan untuk mengetahui dan menganalisis faktor-faktor apa aja yang dapat enentukan pembentukan disonansi kognitif nasabah Bank Syariah yang menggunakan produk dan jasa perbankan baik Syariah maupun Konvensional. Penelitian ini termasuk dalam jenis penelitian kuantitatif dengan desain penelitian deskriptif, karena berupaya mencari penjelasan atau deskripsi tentang faktor-faktor yang menentukan terbentuknya disonansi kognitif nasabah bank syariah saat menggunakan produk dan jasa perbankan.Banyak dari masyarakat muslim yang memiliki persepsi bahwa riba atau bunga bank bertentangan dengan ajaran agama dan cenderung menyatakan penolakan terhadap sistem Perbankan Konvensional. Namun sebagian besar dari mereka adalah nasabah di Bank Konvensional. Bahkan sebagian nasabah muslim yang menjadi nasabah di Bank Syariah secara terpaksa harus menggunakan Bank Konvensional untuk memenuhi kebutuhannya yang hanya ada di Bank Konvensional. Hal ini menunjukkan bahwa telah terjadi ketidaksesuaian antara sikap atau perilakunya dengan persepsi atau keyakinan yang dianut. Ketidaksesuaian tersebut menyebabkan timbulnya perasaan ketidaknyamanan psikologis yang dalam istilah psikologi konsumen disebut ―Disonansi Kognitif‖. Memberikan informasi bagi perusahaan dan pihak-pihak yang berkepentingan lainnya terkait dengan disonansi kognitif yang dialami nasabah, sehingga dapat dicari upaya untuk menghindari atau meminimalisir tingkat disonansi kognitif tersebut.

Suggested Citation

  • nugroho, anton priyo, 2018. "Determinant Disonansi Kognitifnasabah Bank Syariah," INA-Rxiv 2b6fz, Center for Open Science.
    • Handle: RePEc:osf:inarxi:2b6fz
    DOI: 10.31219/osf.io/2b6fz
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    References listed on IDEAS

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    1. Carlton Basmajian & Christopher Coutts, 2010. "Planning for the Disposal of the Dead," Journal of the American Planning Association, Taylor & Francis Journals, vol. 76(3), pages 305-317.
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