Agung Purwo Atmojo

{\rtf1{\fonttbl
{\f2 Times New Roman Bold;}

{\f3 Times New Roman;}
{\f4 Times New Roman Italic;}
{\f5 Arial;}
{\f6 Cambria Math;}
{\f7 Cambria Math;}
{\f10 Times New Roman Bold;}
{\f11 Arial Bold;}
{\f12 Arial Bold;}
{\f13 Arial;}
{\f15 Calibri;}
{\f16 Calibri;}
{\f17 Arial;}
{\f20 Times New Roman Italic;}
}{\colortbl;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
\red0\green0\blue0;
}\viewkind1\viewscale100\margl0\margr0\margt0\margb0\deftab80\dntblnsbdb\expshrt
n\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg1}{\bkmkend Pg1}\par\pard
\qj \li2388\sb0\sl-420\slmult0 \par\pard\qj\li2388\sb0\sl-420\slmult0 \par\pard\
qj\li2388\sb0\sl-420\slmult0 \par\pard\qj\li2388\sb0\sl-420\slmult0 \par\pard\qj
\li2388\ri1626\sb193\sl-420\slmult0\tx2705 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf1\f2\fs24 ANALISI PENGARUH KUALITAS LAYANAN, NILAI NASABAH, DAN \line
\tab \up0 \expndtw-3\charscalex100 ATRIBUT PRODUK ISLAM TERHADAP KEPUASAN NASABA
H \par\pard\ql \li3595\sb119\sl-276\slmult0 \up0 \expndtw-3\charscalex100 (Studi
Kasus Pada BNI Syariah Cabang Semarang) \par\pard\ql \li5110\sb0\sl-276\slmult0
\par\pard\ql\li5110\sb0\sl-276\slmult0 \par\pard\ql\li5110\sb0\sl-276\slmult0 \
par\pard\ql\li5110\sb136\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Agung Purw
o Atmojo \par\pard\ql \li5336\sb124\sl-276\slmult0 \up0 \expndtw-3\charscalex100
NIM. C2A006010 \par\pard\qj \li5199\sb0\sl-400\slmult0 \par\pard\qj\li5199\ri44
34\sb62\sl-400\slmult0 \up0 \expndtw-3\charscalex100 Dosen Pembimbing: \line \up
0 \expndtw-3\charscalex100 Dra. Yoestini, MSi \par\pard\ql \li5657\sb0\sl-276\sl
mult0 \par\pard\ql\li5657\sb267\sl-276\slmult0 \up0 \expndtw-3\charscalex100 ABS
TRAK \par\pard\qj \li2268\ri1502\sb10\sl-414\slmult0\fi707 \up0 \expndtw0\charsc
alex105 \ul0\nosupersub\cf2\f3\fs24 Berbagai pelaku usaha bersaing untuk dapat m
erebut pasar perbankan \line \up0 \expndtw-2\charscalex100 syariah dengan cara m
emuaskan nasabah. Begitu juga dengan BNI Syariah setelah \line \up0 \expndtw0\ch
arscalex106 melakukan strategi \ul0\nosupersub\cf3\f4\fs24 spin off \ul0\nosuper
sub\cf2\f3\fs24 dari Bank BNI, akan lebih independen dan fokus \line \up0 \expnd
tw0\charscalex102 memenuhi kebutuhan nasabah sehingga tercapai kepuasan na
sabah. Dalam \line \up0 \expndtw0\charscalex103 penelitian ini penulis mengguna
kan kualitas layanan, nilai nasabah, dan atribut \line \up0 \expndtw0\charscalex
106 produk Islam sebagai variabel independen yang akan diteliti bagaiman
a \line \up0 \expndtw0\charscalex102 pengaruhnya terhadap kepuasan nasabah.
Penelitian ini dilakukan dengan \line \up0 \expndtw0\charscalex100 memberik
an kuesioner kepada \up0 \expndtw0\charscalex107 100 nasabah BNI Syariah cabang
Semarang, \par\pard\qj \li2268\ri1499\sb6\sl-415\slmult0 \up0 \expndtw-1\charsc
alex100 dengan menggunakan \ul0\nosupersub\cf3\f4\fs24 purposive sampling\ul0\no
supersub\cf2\f3\fs24 . Metode kuesioner ini digunakan untuk \line \up0 \expndtw1\charscalex100 mengetahui tanggapan responden terhadap masing-masing variabel.
Hasil analisis \line \up0 \expndtw-1\charscalex100 dari penelitian ini bahwa kua
litas layanan, nilai nasabah, dan atribut produk Islam \line \up0 \expndtw0\char
scalex108 berpengaruh positif dan signifikan terhadap kepuasan nasabah BNI Syari
ah \line \up0 \expndtw-3\charscalex100 Cabang Semarang. \par\pard\ql \li2268\sb0
\sl-280\slmult0 \par\pard\ql\li2268\ri1507\sb237\sl-280\slmult0\tx3545 \up0 \exp
ndtw0\charscalex105 Kata kunci: kepuasan nasabah, kualitas layanan, nilai nasaba
h, atribut produk \line\tab \up0 \expndtw-4\charscalex100 Islam \par\pard\sect\s
ectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg2}{\bkmkend Pg2}\
par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\colsr
160\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\p
ard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\p
ard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\p
ard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb72\sl-276\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 PENDAHULUAN\par\pard\qj \li
2268\ri460\sb0\sl-533\slmult0\fi720\tx3124\tx4592 \up0 \expndtw0\charscalex101 \
ul0\nosupersub\cf2\f3\fs24 Memasuki era perdagangan \line \up0 \expndtw0\chars
calex105 bebas, kini telah terjadi pergeseran \line \up0 \expndtw0\charscalex100
strategi pemasaran yang berorientasi \line \up0 \expndtw-3\charscalex100 pada \
tab \up0 \expndtw-3\charscalex100 pelanggan. \tab \up0 \expndtw-3\charscalex100
Sebagaimana \line \up0 \expndtw0\charscalex103 pendapat Kotler dan Armstro
ng\par\pard\qj \li2268\ri462\sb0\sl-551\slmult0\tx3371\tx4808 \up0 \expndtw-3\ch
arscalex100 (2001),\tab \up0 \expndtw-3\charscalex100 pemasaran\tab \up0 \expndt
w-3\charscalex100 seharusnya \line \up0 \expndtw0\charscalex101 dimengerti bukan
seperti pengertian\par\pard\qj \li2268\ri459\sb0\sl-552\slmult0\tx5758 \up0 \ex
pndtw0\charscalex104 lama menciptakan penjualan\tab \up0 \expndtw-3\charscal
ex100 -\line \up0 \expndtw0\charscalex102 \u8220?memberitahukan
dan
menjua
l\u8221? \line \up0 \expndtw0\charscalex103 (\ul0\nosupersub\cf3\f4\fs24 telling
and selling\ul0\nosupersub\cf2\f3\fs24 ) \up0 \expndtw0\charscalex109 - tetapi
dalam \line \up0 \expndtw-3\charscalex100 arti baru yaitu memuaskan kebutuhan \l
ine \up0 \expndtw-2\charscalex100 konsumen. Dengan demikian strategi \line \up0
\expndtw0\charscalex102 pemasaran yang berorientasi pada \line \up0 \expndtw0
\charscalex104 pelanggan, membuat perusahaan \line \up0 \expndtw0\charscalex
103 harus
memahami dan memenuhi \line \up0 \expndtw0\charscalex100 baik p
erilaku maupun kebutuhan \line \up0 \expndtw-1\charscalex100 pelanggan untuk
mencapai kepuasan \line \up0 \expndtw-3\charscalex100 pelanggan.\par\pard\qj \l
i2268\ri461\sb0\sl-552\slmult0\fi720\tx3458\tx5183 \up0 \expndtw0\charscalex101
Kepuasan konsumen sangat \line \up0 \expndtw0\charscalex100 diperhatikan oleh
perusahaan karena \line \up0 \expndtw0\charscalex105 akan
berdampak
pada
kinerja \line \up0 \expndtw-1\charscalex100 penjualan. Kotler dan Armstr
ong \line \up0 \expndtw-3\charscalex100 (2001) \tab \up0 \expndtw-3\charscalex10
0 menyatakan \tab \up0 \expndtw-3\charscalex100 bahwa,\par\pard\column \qj \li65
91\sb0\sl-552\slmult0 \par\pard\qj \li6591\sb0\sl-552\slmult0 \par\pard\qj \li65
91\sb0\sl-552\slmult0 \par\pard\qj \li20\ri1455\sb112\sl-552\slmult0\tx1426\tx25
84 \up0 \expndtw0\charscalex106 pelanggan yang merasa puas akan \line \up0 \exp
ndtw0\charscalex103 membeli ulang, dan mereka akan \line \up0 \expndtw0\char
scalex105 memberi tahu orang lain mengenai \line \up0 \expndtw0\charscalex100 pe
ngalaman baik tentang produk itu. \line \up0 \expndtw0\charscalex102 Kepuasan

pelanggan berkontribusi \line \up0 \expndtw0\charscalex101 pada sejumlah aspek k
rusial, seperti \line \up0 \expndtw-3\charscalex100 terciptanya \tab \up0 \expnd
tw-3\charscalex100 loyalitas \tab \up0 \expndtw-3\charscalex100 pelanggan, \line
\up0 \expndtw0\charscalex100 meningkatnya reputasi perusahaan,\par\pard\qj \l
i20\ri1457\sb0\sl-552\slmult0\tx1726\tx3043 \up0 \expndtw-3\charscalex100 berkur
angnya\tab \up0 \expndtw-3\charscalex100 elastisitas\tab \up0 \expndtw-3\charsca
lex100 harga, \line \up0 \expndtw0\charscalex104 berkurangnya biaya transaksi ma
sa \line \up0 \expndtw0\charscalex100 depan, dan meningkatnya efisiensi\par\p
ard\qj \li20\ri1456\sb2\sl-551\slmult0\tx906\tx2708 \up0 \expndtw-3\charscalex10
0 dan\tab \up0 \expndtw-3\charscalex100 produktivitas\tab \up0 \expndtw-3\charsc
alex100 karyawan \up0 \expndtw0\charscalex103 (Anderson, et al., 1994; Edvardson
, \up0 \expndtw-3\charscalex100 et al., 2000; Tjiptono, 2004)\par\pard\qj \li20\
ri1457\sb1\sl-552\slmult0\fi720\tx738 \up0 \expndtw0\charscalex107 Salah
satu
cara
utama \line \up0 \expndtw-3\charscalex100 mendiferesiasikan sebuah p
erusahaan \line \up0 \expndtw-3\charscalex100 jasa \tab \up0 \expndtw0\charscale
x105 adalah
memberikan
jasa \line \up0 \expndtw0\charscalex102 berkualitas
lebih tinggi dari pesaing \line \up0 \expndtw0\charscalex101 secara konsisten.
Kuncinya adalah \line \up0 \expndtw-1\charscalex100 memenuhi atau melebih
i harapan \line \up0 \expndtw0\charscalex105 kualitas jasa pelanggan sas
aran \line \up0 \expndtw0\charscalex102 (Kotler, 1997). Pengukuran kualitas \lin
e \up0 \expndtw0\charscalex105 layanan oleh Parasuraman et. al. \par\pard\se
ct\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg3}{\bkmkend P
g3}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\c
olsr160\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \p
ar\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\ri459\sb112\sl-552\sl
mult0\tx3340\tx4360 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf2\f3\fs24 (19
85) dalam Senoaji \up0 \expndtw0\charscalex104 (2008) pada \line \up0 \expndtw1\charscalex100 riset eksplanatorinya, menjelaskan \line \up0 \expndtw0\char
scalex106 layanan dan faktor-faktor yang \line \up0 \expndtw-3\charscalex1
00 menentukannya. Dalam penelitian ini \line \up0 \expndtw-1\charscalex100 didef
inisikan bahwa kualitas layanan \line \up0 \expndtw-3\charscalex100 sebagai \tab
\up0 \expndtw-3\charscalex100 derajat \tab \up0 \expndtw-3\charscalex100 ketida
kcocokan \line \up0 \expndtw0\charscalex100 antara harapan normatif pelanggan
\line \up0 \expndtw0\charscalex102 pada jasa dan persepsi pelanggan \line \
up0 \expndtw-3\charscalex100 pada kinerja layanan yang diterima.\par\pard\qj \li
2268\ri460\sb0\sl-552\slmult0\fi720\tx4996 \up0 \expndtw0\charscalex100 Bahwa t
ingkat \ul0\nosupersub\cf3\f4\fs24 performance \line \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf2\f3\fs24 produk dapat diukur atau dilihat pada \line \up0
\expndtw0\charscalex101 tingkat kepentingannya berdasarkan \line \up0 \expndtw0
\charscalex102 atribut-atribut kunci yang sudah \line \up0 \expndtw0\chars
calex100 diidentifikasi konsumen \tab \up0 \expndtw-3\charscalex100 (Mowen,\pa
r\pard\qj \li2268\ri460\sb0\sl-552\slmult0\tx3206\tx5175 \up0 \expndtw-3\charsca
lex100 1995)\tab \up0 \expndtw0\charscalex107 dalam
Junusi\tab \up0 \expndtw3\charscalex100 (2009). \line \up0 \expndtw0\charscalex104 Keputusan mengenai
atribut ini \line \up0 \expndtw0\charscalex105 mempengaruhi reaksi konsu
men \line \up0 \expndtw0\charscalex105 terhadap suatu produk \up0 \expndtw0\char
scalex105 (Kotlet dan\par\pard\qj \li2268\ri458\sb1\sl-551\slmult0\tx3921\tx4985
\up0 \expndtw-3\charscalex100 Armostrong,\tab \up0 \expndtw-3\charscalex100 200
1).\tab \up0 \expndtw-3\charscalex100 Sehingga \line \up0 \expndtw0\charscalex10
3 konsumen akan merasa puas jika \line \up0 \expndtw0\charscalex101 atributatribut kunci atau khusus \line \up0 \expndtw0\charscalex105 suatu produk
yang dinilai sesuai\par\pard\column \qj \li6591\sb0\sl-551\slmult0 \par\pard
\qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard
\qj \li20\ri1457\sb116\sl-551\slmult0 \up0 \expndtw0\charscalex105 dengan keingi
nan dan harapan dari \up0 \expndtw-3\charscalex100 konsumen.\par\pard\qj \li20\r
i1455\sb1\sl-552\slmult0\fi720\tx1357\tx2780 \up0 \expndtw-2\charscalex100 Dalam
menggunakan suatu \line \up0 \expndtw0\charscalex102 produk atau jasa, k
onsumen akan \line \up0 \expndtw0\charscalex101 membandingkan antara biaya a
tau \line \up0 \expndtw0\charscalex104 usaha yang dikeluarkan dengan \line
\up0 \expndtw0\charscalex101 manfaat atau keuntungan yang telah \line \up0 \exp
ndtw-3\charscalex100 diperoleh \tab \up0 \expndtw-3\charscalex100 konsumen \tab
\up0 \expndtw-3\charscalex100 sehingga \line \up0 \expndtw-1\charscalex100 terci
pta nilai pelanggan. Woodall \line \up0 \expndtw0\charscalex106 (2003) dal
am Senoaji (2008), nilai \line \up0 \expndtw0\charscalex104 untuk pelanggan atau
\ul0\nosupersub\cf3\f4\fs24 Value for the\par\pard\qj \li20\ri1456\sb2\sl-551\s
lmult0\tx1340 \up0 \expndtw-3\charscalex100 Customer\tab \up0 \expndtw0\charscal
ex103 \ul0\nosupersub\cf2\f3\fs24 (VC)
mencerminkan \line \up0 \expndtw0\char
scalex104 \ul0\nosupersub\cf3\f4\fs24 customer value \ul0\nosupersub\cf2\f3\fs24
itu sendiri, dimana \line \up0 \expndtw0\charscalex101 menjelaskan mengenai
apa yang \line \up0 \expndtw-2\charscalex100 diterima oleh konsumen dan juga
apa \line \up0 \expndtw-3\charscalex100 yang dapat diberikan oleh konsumen.\par
\pard\qj \li20\ri1455\sb2\sl-552\slmult0\fi720\tx3152 \up0 \expndtw-1\charscalex
100 Perbankan syariah telah hadir \line \up0 \expndtw0\charscalex104 di Indone
sia sejak tahun \tab \up0 \expndtw-3\charscalex100 1992 \line \up0 \expndtw0
\charscalex100 dengan berdirinya Bank Muamalat \line \up0 \expndtw-2\charscal
ex100 Indonesia hingga sampai saat ni telah \line \up0 \expndtw-2\charscalex100
berkembang dengan cukup baik baik. \line \up0 \expndtw0\charscalex100 Dengan pot
ensi populasi umat Islam \line \up0 \expndtw0\charscalex103 yang besar, karakter
istik konsumen
{\shp {\*\shpinst\shpleft6563\shptop11083\shpright10235\shpbottom11636\shpfhdr0\
shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz361\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 3672}}{\sp{\sn geoBottom}{\sv 553}}
{\sp{\sn pVerticies}{\sv 8;5;(0,552);(3672,552);(3672,0);(0,0);(0,552)}}
{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 167772
15}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv
1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}\par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart P
g4}{\bkmkend Pg4}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\col
no2\colw5169\colsr160\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl552\slmult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\ri460\s
b112\sl-552\slmult0\tx3909\tx5348 \up0 \expndtw0\charscalex104 \ul0\nosupersub\c
f2\f3\fs24 yang relijius, dan juga fatwa haram \line \up0 \expndtw0\charscalex10
8 bunga bank dari MUI tahun 2003. \line \up0 \expndtw0\charscalex106 Dan
dibe
rlakukannya
Undang-\line \up0 \expndtw0\charscalex102 Undang No. 21 Tahun 200
8 tentang \line \up0 \expndtw-3\charscalex100 Perbankan \tab \up0 \expndtw-3\cha
rscalex100 Syariah, \tab \up0 \expndtw-3\charscalex100 maka \line \up0 \expndtw0
\charscalex100 pengembangan perbankan syariah \line \up0 \expndtw-1\charscal
ex100 telah memiliki landasan hukum yang \line \up0 \expndtw-3\charscalex100 mem
adai.\par\pard\qj \li2268\ri459\sb0\sl-552\slmult0\fi720\tx2956\tx3539 \up0 \exp
ndtw0\charscalex102 Namun dari semua potensi \line \up0 \expndtw0\charscalex1
00 yang ada, kondisi\ul0\nosupersub\cf3\f4\fs24 \ul0\nosupersub\cf2\f3\fs24 per
bankan syariah \line \up0 \expndtw-3\charscalex100 saat \tab \up0 \expndtw-3\cha
rscalex100 ini \tab \up0 \expndtw0\charscalex101 dibandingkan
dengan \line \u
p0 \expndtw0\charscalex101 perbankan nasional di Indonesia \line \up0 \exp

ndtw0\charscalex105 masih terlalu kecil. Data yang \line \up0 \expndtw-1
\charscalex100 dihimpun Bank Indonesia \up0 \expndtw-3\charscalex100 (2009)\
par\pard\qj \li2268\ri459\sb0\sl-552\slmult0\tx3976\tx5517 \up0 \expndtw-3\chars
calex100 menunjukan\tab \up0 \expndtw-3\charscalex100 penurunan\tab \up0 \expndt
w-3\charscalex100 laju \line \up0 \expndtw-1\charscalex100 pertumbuhan pembiayaa
n perbankan \line \up0 \expndtw0\charscalex101 syariah pada tahun \up0 \expn
dtw0\charscalex100 2009 relatif \line \up0 \expndtw0\charscalex101 signifikan
yaitu sebesar \up0 \expndtw0\charscalex102 14% dari \line \up0 \expndtw0\char
scalex100 tumbuh 36,7% tahun lalu menjadi \line \up0 \expndtw-1\charscalex10
0 22,8%. Sementara itu penurunan laju \line \up0 \expndtw-1\charscalex100 pertum
buhan asset sebesar 2,2% dari \line \up0 \expndtw0\charscalex101 35,6% menjadi
\up0 \expndtw0\charscalex105 33,4% tahun ini. \line \up0 \expndtw0\charscalex1
01 Yang menarik adalah meningkatnya\par\pard\column \qj \li6591\sb0\sl-551\slmul
t0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmul
t0 \par\pard\qj \li20\ri1454\sb116\sl-551\slmult0\tx2806 \up0 \expndtw0\charscal
ex100 pertumbuhan DPK dari 35,5% tahun \line \up0 \expndtw-1\charscalex100 2008
menjadi \up0 \expndtw-3\charscalex100 37,7%. \tab \up0 \expndtw-3\charscalex10
0 Menurut \line \up0 \expndtw0\charscalex105 Ketua
Asosiasi
Bank
Syaria
h\par\pard\qj \li20\ri1457\sb1\sl-552\slmult0\tx1686\tx3091 \up0 \expndtw-3\char
scalex100 Indonesia,\tab \up0 \expndtw-3\charscalex100 Riawan\tab \up0 \expndtw3\charscalex100 Amin \line \up0 \expndtw0\charscalex103 mengatakan, pangsa p
asar bank \line \up0 \expndtw-3\charscalex100 syariah \up0 \expndtw-3\charscal
ex100 (mei \up0 \expndtw0\charscalex101 2010) hanya \up0 \expndtw-2\charscalex
100 2,46 \line \up0 \expndtw-1\charscalex100 persen. Sulit bisa mencapai
tiga \line \up0 \expndtw-2\charscalex100 persen, meski sebenarnya tidak layak \
line \up0 \expndtw0\charscalex101 bagi Indonesia yang penduduknya \line \up0
\expndtw-3\charscalex100 mayoritas Muslim (republika.co.id).\par\pard\qj \li20\r
i1457\sb0\sl-552\slmult0\fi720\tx1609\tx2713 \up0 \expndtw0\charscalex104 Sepert
i
yang
diberitakan \line \up0 \expndtw-2\charscalex100 Republika bahwa
penelitian yang \line \up0 \expndtw-1\charscalex100 dilakukan oleh Pusat Peng
embangan \line \up0 \expndtw-3\charscalex100 Manajemen \tab \up0 \expndtw-3\char
scalex100 (PPM) \tab \up0 \expndtw-3\charscalex100 menelaah \line \up0 \expndtw0
\charscalex100 perilaku konsumen bank syariah dan \line \up0 \expndtw0\charscale
x101 konvensional diidentifikasikan ada\par\pard\qj \li20\ri1456\sb1\sl-552\sl
mult0\tx908\tx2024\tx3022 \up0 \expndtw-3\charscalex100 dua\tab \up0 \expndtw-3\
charscalex100 faktor\tab \up0 \expndtw-4\charscalex100 yang\tab \up0 \expndtw-3\
charscalex100 sangat \line \up0 \expndtw0\charscalex101 mempengaruhi
migrasi
nasabah, \line \up0 \expndtw0\charscalex103 yaitu kualitas layanan dan \ul
0\nosupersub\cf3\f4\fs24 return\par\pard\qj \li20\ri1458\sb1\sl-551\slmult0\tx2
440 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 (infoanda.com)\ul0
\nosupersub\cf3\f4\fs24 .\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\
f3\fs24 Berdasarkan \line \up0 \expndtw-1\charscalex100 penelitian tersebut
terlihat bahwa\par\pard\qj \li20\ri1458\sb1\sl-552\slmult0\tx1045\tx2264 \up0
\expndtw-3\charscalex100 masih\tab \up0 \expndtw-3\charscalex100 terdapat\tab \u
p0 \expndtw-3\charscalex100 ketidakpuasan \line \up0 \expndtw-3\charscalex100 di
rasakan nasabah sehingga tidak ada
{\shp {\*\shpinst\shpleft2239\shptop2249\shpright5912\shpbottom2802\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz4\shplid0
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
b116\sl-551\slmult0\tx3513\tx4407 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\
cf2\f3\fs24 loyalitas\tab \up0 \expndtw-4\charscalex100 yang\tab \up0 \expndtw-3
\charscalex100 mengakibatkan \up0 \expndtw-3\charscalex100 terjadinya migrasi ke
bank lain.\par\pard\qj \li2268\ri459\sb1\sl-552\slmult0\fi720\tx3928\tx4977 \up
0 \expndtw0\charscalex105 Pada
umumnya
nasabah \line \up0 \expndtw0\charsc
alex106 memiliki persepsi yang negatif \line \up0 \expndtw0\charscalex104
mengenai fasilitas bank syariah \line \up0 \expndtw0\charscalex103 dibandi
ngkan bank konvensional \line \up0 \expndtw0\charscalex102 (Karim dan Af
fif, \up0 \expndtw0\charscalex101 2006). Hasil \line \up0 \expndtw-3\charscale
x100 penelitian yang dilakukan di Jordania \line \up0 \expndtw-1\charscalex100 m
enunjukan bahwa tingkat kepuasan \line \up0 \expndtw0\charscalex100 terhadap pel
ayanan yang ditawarkan \line \up0 \expndtw0\charscalex104 bank Islam yang ter
tinggi adalah \line \up0 \expndtw0\charscalex111 nama dan citra bank, d
iikuti \line \up0 \expndtw-3\charscalex100 kemampuan \tab \up0 \expndtw-3\charsc
alex100 untuk \tab \up0 \expndtw-3\charscalex100 membuat \line \up0 \expndtw-2\c
harscalex100 pelanggan percaya, jaringan luas dari \line \up0 \expndtw-1\charsca
lex100 fasilitas yang ditawarkan, kecakapan \line \up0 \expndtw0\charscalex107 k
aryawan bank (Naser, et al, 2000\par\pard\qj \li2268\ri461\sb1\sl-552\slmult0\tx
4173 \up0 \expndtw0\charscalex104 dalam Sasono,\tab \up0 \expndtw0\charscalex1
03 2006). Persepsi \line \up0 \expndtw0\charscalex107 negatif dari nasabah
mengenai \line \up0 \expndtw0\charscalex102 layanan bank syariah menunjuka
n\par\pard\column \qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-551
\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li20\ri1457\sb116
\sl-551\slmult0\tx1249\tx3175 \up0 \expndtw-3\charscalex100 adanya\tab \up0 \exp
ndtw-3\charscalex100 ketidakpuasan\tab \up0 \expndtw-4\charscalex100 yang \up0 \
expndtw-3\charscalex100 dirasakan para nasabah.\par\pard\qj \li20\ri1455\sb1\sl552\slmult0\fi720 \up0 \expndtw0\charscalex107 Dan
yang
membedakan \line \
up0 \expndtw0\charscalex104 antara bank syariah dengan bank \line \up0 \expn
dtw0\charscalex101 konvensional adalah atribut-atribut \line \up0 \expndtw-1\c
harscalex100 khusus yang melekat pada bank \line \up0 \expndtw0\charscal
ex101 syariah, seperti tidak ada unsur riba, \line \up0 \expndtw0\charscalex108
sistem bagi hasil, tidak ada unsur \line \up0 \expndtw0\charscalex101 judi, unt
uk investasi yang halal, dan \line \up0 \expndtw0\charscalex104 melakukan aktivi
tas sesuai syariah. \line \up0 \expndtw-2\charscalex100 Atribut-atribut produk I
slam ini yang \line \up0 \expndtw0\charscalex104 menjadi alasan utama para nasab
ah \line \up0 \expndtw0\charscalex101 memilih menggunakan bank syariah \line \up
0 \expndtw0\charscalex100 dan menjadi indikator penilaian bagi \line \up0 \expnd
tw0\charscalex108 nasabah. Maka kepuasan akan \line \up0 \expndtw0\charsca
lex104 dirasakan oleh nasabah bila nilai \line \up0 \expndtw-1\charscalex100
syariah yang ada pada atribut produk \line \up0 \expndtw-3\charscalex100 bank s
yariah semakin tinggi. \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb
0\sl-240{\bkmkstart Pg6}{\bkmkend Pg6}\par\pard\ql \li5852\sb0\sl-276\slmult0 \p
ar\pard\ql\li5852\sb0\sl-276\slmult0 \par\pard\ql\li5852\sb0\sl-276\slmult0 \par
\pard\ql\li5852\sb0\sl-276\slmult0 \par\pard\ql\li5852\sb0\sl-276\slmult0 \par\p
ard\ql\li5852\sb0\sl-276\slmult0 \par\pard\ql\li5852\sb0\sl-276\slmult0 \par\par
d\ql\li5852\sb59\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
1\f2\fs24 Tabel 1 \par\pard\ql \li4136\ri3370\sb66\sl-540\slmult0\tx5345 \up0 \e
xpndtw-3\charscalex100 Indeks Kepuasan Nasabah Bank Syariah \line\tab \up0 \expn
dtw-3\charscalex100 Tahun 2006-2010 \par\pard\li2234\sb0\sl-276\slmult0\par\pard
\li2234\sb0\sl-276\slmult0\par\pard\li2234\sb0\sl-276\slmult0\par\pard\li2234\sb
0\sl-276\slmult0\par\pard\li2234\sb255\sl-276\slmult0\fi0\tx4234\tx5897\tx6829\t
x7779\tx8703\tx9554 \up0 \expndtw-3\charscalex100 Peringkat\tab \up0 \expndtw-3\
charscalex100 Bank\tab \up0 \expndtw-3\charscalex100 2010\tab \up0 \expndtw-3\ch
arscalex100 2009\tab \up0 \expndtw-3\charscalex100 2008\tab \up0 \expndtw-3\char
scalex100 2007\tab \up0 \expndtw-3\charscalex100 2006\par\pard\li2234\sb0\sl-276
\slmult0\par\pard\li2234\sb5\sl-276\slmult0\fi446\tx4020\tx5897\tx6829\tx7779\tx
8703\tx9554 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 1\tab \up0
\expndtw-3\charscalex100 Muamalat\tab \up0 \expndtw-3\charscalex100 77, 4\tab \
up0 \expndtw-3\charscalex100 75, 2\tab \up0 \expndtw-3\charscalex100 75, 2\tab \
up0 \expndtw-3\charscalex100 74, 9\tab \up0 \expndtw-3\charscalex100 71, 4\par\p
ard\li2234\sb0\sl-276\slmult0\par\pard\li2234\sb10\sl-276\slmult0\fi446\tx3903\t
x5897\tx6829\tx7779\tx8703\tx9554 \up0 \expndtw-3\charscalex100 2\tab \up0 \expn
dtw-3\charscalex100 BNI Syariah\tab \up0 \expndtw-3\charscalex100 76, 6\tab \up0
\expndtw-3\charscalex100 78, 5\tab \up0 \expndtw-3\charscalex100 75, 3\tab \up0
\expndtw-3\charscalex100 75, 8\tab \up0 \expndtw-3\charscalex100 72, 0\par\pard
\li2234\sb0\sl-276\slmult0\par\pard\li2234\sb12\sl-276\slmult0\fi446\tx3722\tx58
97\tx6829\tx7779\tx8703\tx9554 \up0 \expndtw-3\charscalex100 3\tab \up0 \expndtw
-3\charscalex100 Mandiri Syariah\tab \up0 \expndtw-3\charscalex100 76, 5\tab \up
0 \expndtw-3\charscalex100 77, 4\tab \up0 \expndtw-3\charscalex100 75, 5\tab \up
0 \expndtw-3\charscalex100 75, 4\tab \up0 \expndtw-3\charscalex100 76, 4\par\par
d\li2234\sb0\sl-276\slmult0\par\pard\li2234\sb10\sl-276\slmult0\fi446\tx3487\tx5
897\tx6829\tx7779\tx8703\tx9753 \up0 \expndtw-3\charscalex100 4\tab \up0 \expndt
w-3\charscalex100 CIMB Niaga Syariah\tab \up0 \expndtw-3\charscalex100 76, 3\tab
\up0 \expndtw-3\charscalex100 72, 2\tab \up0 \expndtw-3\charscalex100 74, 7\tab
\up0 \expndtw-3\charscalex100 72, 8\tab \up0 \expndtw-3\charscalex100 -\par\par
d\li2234\sb0\sl-276\slmult0\par\pard\li2234\sb10\sl-276\slmult0\fi446\tx3837\tx5
w-3\charscalex100 Mega Syariah\tab \up0 \expndtw-3\charscalex100 76, 2\tab \up0
\expndtw-3\charscalex100 73, 1\tab \up0 \expndtw-3\charscalex100 68, 7\par\pard\
li2234\sb0\sl-276\slmult0\par\pard\li2234\sb9\sl-276\slmult0\fi446\tx3643\tx5897
\tx6829\tx7779\tx8703\tx9554 \up0 \expndtw-3\charscalex100 6\tab \up0 \expndtw-3
\charscalex100 Danamon Syariah\tab \up0 \expndtw-3\charscalex100 76, 1\tab \up0
\expndtw-3\charscalex100 73, 6\tab \up0 \expndtw-3\charscalex100 72, 2\par\pard\
li2234\sb0\sl-276\slmult0\par\pard\li2234\sb10\sl-276\slmult0\fi446\tx3696\tx589
7\tx6829\tx7779\tx8703\tx9554 \up0 \expndtw-3\charscalex100 7\tab \up0 \expndtw3\charscalex100 Bukopin Syariah\tab \up0 \expndtw-3\charscalex100 75, 9\tab \up0
\expndtw-3\charscalex100 73, 2\tab \up0 \expndtw-3\charscalex100 72, 2\par\pard
7\tx6829\tx7779\tx8703\tx9554 \up0 \expndtw-3\charscalex100 8\tab \up0 \expndtw3\charscalex100 BRI Syariah\tab \up0 \expndtw-3\charscalex100 75, 4\tab \up0 \ex
pndtw-3\charscalex100 69, 8\tab \up0 \expndtw-3\charscalex100 73, 9\tab \up0 \ex
pndtw-3\charscalex100 74, 3\tab \up0 \expndtw-3\charscalex100 70, 6\par\pard\li2

234\sb0\sl-276\slmult0\par\pard\li2234\sb10\sl-276\slmult0\fi446\tx3869\tx5897\t
x6829\tx7981\tx8905\tx9753 \up0 \expndtw-3\charscalex100 9\tab \up0 \expndtw-3\c
harscalex100 BTN Syariah\tab \up0 \expndtw-3\charscalex100 75, 0\tab \up0 \expnd
tw-3\charscalex100 70, 4\tab \up0 \expndtw-3\charscalex100 -\tab \up0 \expndtw-3
\charscalex100 -\tab \up0 \expndtw-3\charscalex100 -\par\pard\li2234\sb0\sl-276\
slmult0\par\pard\li2234\sb12\sl-276\slmult0\fi386\tx3951\tx5897\tx6829\tx7779\tx
8703\tx9554 \up0 \expndtw-3\charscalex100 10\tab \up0 \expndtw-3\charscalex100 B
II Syariah\tab \up0 \expndtw-3\charscalex100 73, 4\tab \up0 \expndtw-3\charscale
x100 71, 8\tab \up0 \expndtw-3\charscalex100 74, 8\tab \up0 \expndtw-3\charscale
x100 73, 5\tab \up0 \expndtw-3\charscalex100 69, 1\par\pard\ql \li2268\sb0\sl-27
6\slmult0 \par\pard\ql\li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb35\sl-276
\slmult0 \up0 \expndtw-3\charscalex100 Sumber: Infobank, Januari 2010
8}}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
{\shp {\*\shpinst\shpleft9374\shptop5010\shpright10216\shpbottom5030\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz264\shplid14
8}}
}}
{\shp {\*\shpinst\shpleft10216\shptop5010\shpright10226\shpbottom5020\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz266\shplid15
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
{\shp {\*\shpinst\shpleft10216\shptop10067\shpright10226\shpbottom10077\shpfhdr0
\shpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz2527\shplid223
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
b112\sl-552\slmult0\fi720\tx5329 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f2\f3\fs24 Berdasarkan indeks kepuasan \line \up0 \expndtw0\charscalex102 nasaba
h bank syariah yang dirilis \line \up0 \expndtw0\charscalex100 oleh infoba
nk per januari \up0 \expndtw-3\charscalex100 2010, \line \up0 \expndtw-1\cha
rscalex100 secara konsisten BNI Syariah berada \line \up0 \expndtw0\charscalex10
6 pada papan atas bank syariah yang \line \up0 \expndtw-1\charscalex100 memberik
an kepuasan nasabah sejak \line \up0 \expndtw-3\charscalex100 tahun \up0 \expndt
w0\charscalex107 2006. Pada tahun \up0 \expndtw0\charscalex106 2007 dan \line \u
p0 \expndtw0\charscalex100 2009 berada pada peringkat pertama \line \up0 \expndt
w0\charscalex103 sebagai bank yang memberikan \line \up0 \expndtw0\charsca
lex100 kepuasan terbaik bagi nasabahnya. \line \up0 \expndtw0\charscalex104 N
amun, pada tahun 2010 posisinya \line \up0 \expndtw0\charscalex106 berada pada p
eringkat kedua turun \line \up0 \expndtw0\charscalex104 peringkat daripada t
ahun \tab \up0 \expndtw-3\charscalex100 2009. \line \up0 \expndtw0\charscalex108
Dengan demikian telah terjadi \line \up0 \expndtw0\charscalex101 penuruna
n kepuasan yang dirasakan \line \up0 \expndtw0\charscalex101 oleh nasabah BN
I Syariah. Hal \line \up0 \expndtw-2\charscalex100 tersebut perlu menjadi pe
rhatian bagi \line \up0 \expndtw0\charscalex104 BNI Syariah dengan meningkatkan
\line \up0 \expndtw0\charscalex104 kualitas layanan, memberikan nilai \line \up0
\expndtw0\charscalex107 tambah
kepada
nasabah,
dan \line \up0 \expndtw
0\charscalex100 memperhatikan atribut produk Islam \line \up0 \expndtw0\charscal

ex100 yang merupakan salah satu alasan\par\pard\column \qj \li6591\sb0\sl-55
1\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-55
1\slmult0 \par\pard\qj \li20\ri1457\sb116\sl-551\slmult0 \up0 \expndtw0\charscal
ex102 utama nasabah dalam memilih bank \up0 \expndtw0\charscalex103 syariah sehi
ngga kepuasan nasabah \up0 \expndtw-3\charscalex100 akan kembali meningkat.\par\
pard\qj \li20\ri1455\sb1\sl-552\slmult0\fi720 \up0 \expndtw0\charscalex104 Berda
sarkan hal-hal yang \up0 \expndtw0\charscalex106 telah dikemukakan dalam
latar \up0 \expndtw0\charscalex103 belakang, maka rumusan masalah \up0 \ex
pndtw-3\charscalex100 adalah sebagai berikut:\par\pard\qj \li740\ri1455\sb0\sl-5
52\slmult0\tx1110\tx2805 \up0 \expndtw0\charscalex103 1.\ul0\nosupersub\cf4\f5\f
s24 \ul0\nosupersub\cf2\f3\fs24 Apakah kualitas layanan \line\tab \up0 \expnd
tw-3\charscalex100 berpengaruh \tab \up0 \expndtw-3\charscalex100 terhadap\par\p
ard\qj \li1100\ri1454\sb0\sl-552\slmult0\tx2895 \up0 \expndtw0\charscalex101 kep
uasan nasabah BNI \line \up0 \expndtw-4\charscalex100 Syariah \tab \up0 \exp
ndtw-3\charscalex100 Cabang \up0 \expndtw-3\charscalex100 Semarang?\par\pard\qj
\li740\ri1455\sb0\sl-551\slmult0\tx1110\tx2805 \up0 \expndtw0\charscalex108 2.\u
l0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Apakah nilai nasabah
\line\tab \up0 \expndtw-3\charscalex100 berpengaruh \tab \up0 \expndtw-3\charsc
alex100 terhadap\par\pard\qj \li1100\ri1454\sb1\sl-552\slmult0\tx2895 \up0 \expn
dtw0\charscalex101 kepuasan nasabah BNI \line \up0 \expndtw-4\charscalex100
Syariah \tab \up0 \expndtw-3\charscalex100 Cabang \up0 \expndtw-3\charscalex100
Semarang?\par\pard\qj \li740\ri1456\sb1\sl-551\slmult0\tx1110\tx2430 \up0 \expnd
tw0\charscalex103 3.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Ap
akah atribut produk \line\tab \up0 \expndtw-4\charscalex100 Islam \tab \up0
\expndtw-3\charscalex100 berpengaruh\par\pard\qj \li1100\ri1456\sb1\sl-551\slmul
t0\tx2744 \up0 \expndtw-3\charscalex100 terhadap\tab \up0 \expndtw-3\charscalex1
00 kepuasan \up0 \expndtw0\charscalex108 nasabah BNI Syariah \up0 \expndtw-3
\charscalex100 Cabang Semarang? \par\pard\sect\sectd\fs24\paperw11900\paperh1682
0\pard\sb0\sl-240{\bkmkstart Pg8}{\bkmkend Pg8}\par\pard\sect\sectd\sbknone\cols
2\colno1\colw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\sb0\sl-552\slmult
0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\slmult
0 \par\pard\qj \li2268\ri1907\sb117\sl-552\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf1\f2\fs24 LANDASAN TEORI \line \up0 \expndtw-3\charscalex100
Kepuasan Pelanggan\par\pard\qj \li2268\ri459\sb0\sl-551\slmult0\fi720\tx3880\tx4
978 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Kotler dan Armstron
g (2001) \line \up0 \expndtw-3\charscalex100 menyatakan \tab \up0 \expndtw-3\cha
rscalex100 bahwa \tab \up0 \expndtw-3\charscalex100 kepuasan \line \up0 \expndtw
0\charscalex104 pelanggan adalah tingkatan dimana\par\pard\qj \li2268\ri461\sb0\
sl-552\slmult0\tx3688\tx4865 \up0 \expndtw-3\charscalex100 anggapan\tab \up0 \ex
pndtw-3\charscalex100 kinerja\tab \up0 \expndtw-3\charscalex100 (\ul0\nosupersub
\cf3\f4\fs24 perceived \line \up0 \expndtw-2\charscalex100 performance\ul0\nosup
ersub\cf2\f3\fs24 ) produk akan sesuai \line \up0 \expndtw0\charscalex102
dengan harapan seorang pelanggan. \line \up0 \expndtw-2\charscalex100 Bila kiner
ja produk jauh lebih rendah \line \up0 \expndtw0\charscalex101 dibandingkan ha
rapan pelanggan, \line \up0 \expndtw-1\charscalex100 pembelinya tidak puas.
Sebaliknya \line \up0 \expndtw0\charscalex106 bila kinerja sesuai dengan harapa
n \line \up0 \expndtw0\charscalex105 atau melebihi harapan, pembelinya \line \up
0 \expndtw0\charscalex104 merasa puas atau merasa amat\par\pard\ql \li22
68\sb228\sl-276\slmult0\tx4339\tx5289 \up0 \expndtw0\charscalex105 gembira. Ol
iver\tab \up0 \expndtw-3\charscalex100 (1981)\tab \up0 \expndtw-3\charscalex100
dalam\par\pard\ql \li2268\sb276\sl-276\slmult0\tx3405\tx4357 \up0 \expndtw-3\cha
rscalex100 Tjiptono\tab \up0 \expndtw-3\charscalex100 (2004)\tab \up0 \expndtw-3
\charscalex100 mengemukakan\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql
\li2268\sb1\sl-276\slmult0\tx3441\tx4890 \up0 \expndtw-3\charscalex100 bahwa\tab
\up0 \expndtw-3\charscalex100 kepuasan\tab \up0 \expndtw-3\charscalex100 pelang
gan\par\pard\qj \li2268\ri460\sb49\sl-551\slmult0\tx3796\tx5051 \up0 \expndtw-3\
charscalex100 merupakan\tab \up0 \expndtw-3\charscalex100 evaluasi\tab \up0 \exp
ndtw-3\charscalex100 terhadap \up0 \expndtw0\charscalex105 surprise yang inheren
atau melekat \up0 \expndtw0\charscalex104 pada pemerolehan produk dan/atau \up0
\expndtw-3\charscalex100 pengalaman konsumsi.\par\pard\column \ql \li6591\sb0\s

l-276\slmult0 \par\pard\ql \li6591\sb0\sl-276\slmult0 \par\pard\ql \li6591\sb0\s
l-276\slmult0 \par\pard\ql \li20\sb69\sl-276\slmult0 \up0 \expndtw-3\charscalex1
00 \ul0\nosupersub\cf1\f2\fs24 Kualitas Layanan\par\pard\qj \li20\ri1457\sb43\sl
-552\slmult0\fi720\tx2712 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf2\f3\fs
24 Kualitas jasa dipengaruhi \line \up0 \expndtw0\charscalex109 oleh dua var
iabel, yaitu jasa yang \line \up0 \expndtw-3\charscalex100 dirasakan \up0 \expnd
tw0\charscalex103 (\ul0\nosupersub\cf3\f4\fs24 perceived service\ul0\nosupersub
\cf2\f3\fs24 ) dan \line \up0 \expndtw0\charscalex104 jasa yang diharapkan
\tab \up0 \expndtw-3\charscalex100 (\ul0\nosupersub\cf3\f4\fs24 expected \line \
up0 \expndtw0\charscalex101 service\ul0\nosupersub\cf2\f3\fs24 ). Bila jasa y
ang dirasakan \line \up0 \expndtw-3\charscalex100 lebih kecil daripada yang dih
arapkan, \line \up0 \expndtw-2\charscalex100 para pelanggan menjadi tidak tertar
ik\par\pard\qj \li20\ri1455\sb0\sl-552\slmult0\tx961\tx2312\tx3175 \up0 \expndtw
-3\charscalex100 pada\tab \up0 \expndtw-3\charscalex100 penyedia\tab \up0 \expnd
tw-3\charscalex100 jasa\tab \up0 \expndtw-4\charscalex100 yang \line \up0 \expnd
tw0\charscalex103 bersangkutan. Sedangkan bila yang \line \up0 \expndtw0\charsca
lex101 terjadi adalah sebaliknya (\ul0\nosupersub\cf3\f4\fs24 perceived \line \u
p0 \expndtw0\charscalex102 > expected\ul0\nosupersub\cf2\f3\fs24 ), ada kemungki
nan para\par\pard\qj \li20\ri1458\sb0\sl-552\slmult0\tx1424\tx2290 \up0 \expndtw
-3\charscalex100 pelanggan\tab \up0 \expndtw-3\charscalex100 akan\tab \up0 \expn
dtw-3\charscalex100 menggunakan \line \up0 \expndtw0\charscalex106 penyedia jas
a itu lagi \up0 \expndtw-3\charscalex100 (Rangkuti, \line \up0 \expndtw0\chars
calex102 2002). Parasuraman, et al., \up0 \expndtw-3\charscalex100 (1988) \lin
e \up0 \expndtw0\charscalex100 dalam Tjiptono \up0 \expndtw-1\charscalex100 (2
004) membagi \line \up0 \expndtw0\charscalex104 kualitas jasa dalam lima d
imensi\par\pard\ql \li20\sb227\sl-276\slmult0\tx1338\tx2548 \up0 \expndtw-3\char
scalex100 utama,\tab \up0 \expndtw-4\charscalex100 yaitu:\tab \up0 \expndtw-3\ch
arscalex100 Reliabilitas\par\pard\ql \li20\sb276\sl-276\slmult0\tx1782\tx2878 \u
p0 \expndtw-3\charscalex100 (\ul0\nosupersub\cf3\f4\fs24 reliability\ul0\nosuper
sub\cf2\f3\fs24 ),\tab \up0 \expndtw-3\charscalex100 Daya\tab \up0 \expndtw-3\ch
arscalex100 tanggap\par\pard\qj \li20\ri1455\sb49\sl-551\slmult0\tx2839 \up0 \ex
pndtw-3\charscalex100 (\ul0\nosupersub\cf3\f4\fs24 responsivness\ul0\nosupersub\
cf2\f3\fs24 ),\tab \up0 \expndtw-3\charscalex100 Jaminan \up0 \expndtw0\charscal
ex102 (\ul0\nosupersub\cf3\f4\fs24 assurance\ul0\nosupersub\cf2\f3\fs24 ), Empat
i (\ul0\nosupersub\cf3\f4\fs24 emphaty\ul0\nosupersub\cf2\f3\fs24 ), dan \up0 \e
xpndtw-3\charscalex100 Bukti fisik (\ul0\nosupersub\cf3\f4\fs24 tangibles\ul0\no
supersub\cf2\f3\fs24 ). \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\s
b0\sl-240{\bkmkstart Pg9}{\bkmkend Pg9}\par\pard\sect\sectd\sbknone\cols2\colno1
\colw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\sb0\sl-551\slmult0 \par\p
ard\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2268\sb0\sl-551\slmult0 \par\p
ard\qj \li2268\ri462\sb116\sl-551\slmult0\fi720\tx3633\tx4616 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf2\f3\fs24 Dalam konteks jasa, kepuasan \line \up0
\expndtw-3\charscalex100 pelanggan \tab \up0 \expndtw-3\charscalex100 sering \ta
b \up0 \expndtw-3\charscalex100 dihubungkan \line \up0 \expndtw0\charscalex105 d
engan faktor kualitas layanan dan \line \up0 \expndtw0\charscalex102 fitur lay
anan seperti kemudahan\par\pard\qj \li2268\ri459\sb1\sl-552\slmult0\tx4291\t
x5368 \up0 \expndtw-3\charscalex100 (\ul0\nosupersub\cf3\f4\fs24 convenience\ul0
\nosupersub\cf2\f3\fs24 ),\tab \up0 \expndtw-3\charscalex100 daya\tab \up0 \expn
dtw-3\charscalex100 saing \line \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf3
\f4\fs24 (competitiveness\ul0\nosupersub\cf2\f3\fs24 )\ul0\nosupersub\cf3\f4\fs2
4 \ul0\nosupersub\cf2\f3\fs24 dan lokasi yang \line \up0 \expndtw0\charscale
x102 disediakan penyedia jasa. Kepuasan \line \up0 \expndtw0\charscalex103 pelan
ggan sering tergantung pada \line \up0 \expndtw0\charscalex102 kualitas prod
uk atau jasa layanan \line \up0 \expndtw0\charscalex104 yang ditawarkan (Nase
r et al, 1999 \line \up0 \expndtw-3\charscalex100 dalam Sasono, 2006).\par\pard\
ql \li2268\sb233\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
1\f2\fs24 Nilai Pelanggan\par\pard\ql \li2988\sb271\sl-276\slmult0\tx3970\tx4889
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Nilai\tab \up0 \expnd

tw-3\charscalex100 bagi\tab \up0 \expndtw-3\charscalex100 pelanggan\par\pard\ql
\li2268\sb276\sl-276\slmult0\tx3715\tx4812 \up0 \expndtw-3\charscalex100 (\ul0\n
osupersub\cf3\f4\fs24 customer\tab \up0 \expndtw-3\charscalex100 value\ul0\nosup
ersub\cf2\f3\fs24 )\tab \up0 \expndtw-3\charscalex100 merupakan\par\pard\qj \li2
268\ri461\sb48\sl-552\slmult0\tx3630\tx4600\tx5413 \up0 \expndtw-3\charscalex100
perbedaan\tab \up0 \expndtw-3\charscalex100 antara\tab \up0 \expndtw-3\charscal
ex100 nilai\tab \up0 \expndtw-4\charscalex100 yang \line \up0 \expndtw-2\charsca
lex100 dinikmati pelanggan karena memiliki \line \up0 \expndtw-2\charscalex100 s
erta menggunakan suatu produk dan \line \up0 \expndtw-3\charscalex100 biaya untu
k memiliki produk tersebut\par\pard\qj \li2268\ri462\sb0\sl-552\slmult0\tx5254 \
up0 \expndtw0\charscalex105 (Kotler dan Armstrong,\tab \up0 \expndtw-3\chars
calex100 2001). \line \up0 \expndtw0\charscalex100 Sebagaimana disampaikan Rangk
uti \line \up0 \expndtw-1\charscalex100 (2006) bahwa, yang dibutuhkan oleh \line
\up0 \expndtw0\charscalex103 pelanggan adalah pelayanan serta \line \up0 \ex
pndtw0\charscalex101 manfaat dari produk tersebut. Selain\par\pard\column \qj \l
i6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \l
i6591\sb0\sl-551\slmult0 \par\pard\qj \li20\ri1458\sb116\sl-551\slmult0\tx920 \u
p0 \expndtw-4\charscalex100 uang,\tab \up0 \expndtw0\charscalex102 pelanggan
mengeluarkan \up0 \expndtw-1\charscalex100 waktu dan tenaga guna mendapatkan \up
0 \expndtw-3\charscalex100 suatu produk.\par\pard\qj \li20\ri1456\sb1\sl-552\slm
ult0\fi720\tx1290\tx3006 \up0 \expndtw-3\charscalex100 Tjiptono \up0 \expndtw0\
charscalex101 (2004) menyatakan \line \up0 \expndtw-1\charscalex100 konsep kepua
san pelanggan, kualitas \line \up0 \expndtw-1\charscalex100 jasa/layanan, dan
nilai pelanggan \line \up0 \expndtw0\charscalex103 (\ul0\nosupersub\cf3\f4\f
s24 costumer value) \ul0\nosupersub\cf2\f3\fs24 berkaitan erat. \line \up0
\expndtw0\charscalex105 Meskipun para manajer sering kali \line \up0 \expndtw0\
charscalex102 memperlakukan ketiga konsep ini \line \up0 \expndtw-2\charscale
x100 sebagai hal yang sama, berbagai riset \line \up0 \expndtw-3\charscalex100 t
erakhir \tab \up0 \expndtw-3\charscalex100 menunjukan \tab \up0 \expndtw-3\chars
calex100 bahwa \line \up0 \expndtw0\charscalex104 ketiganya berkaitan erat
namun \line \up0 \expndtw-2\charscalex100 berbeda. Woodruff \up0 \expndtw-1\c
harscalex100 (1997) dalam \line \up0 \expndtw-3\charscalex100 Isnadi \up0 \exp
ndtw0\charscalex101 (2005) menjelaskan konsep \line \up0 \expndtw-1\charscalex
100 nilai nasabah mengindikasikan suatu \line \up0 \expndtw0\charscalex104 hubun
gan
yang
kuat
terhadap \line \up0 \expndtw-3\charscalex100 kepuasan kon
sumen atau nasabah.\par\pard\ql \li20\sb233\sl-276\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf1\f2\fs24 Atribut Produk Islam\par\pard\qj \li20\ri14
55\sb43\sl-552\slmult0\fi720\tx3559 \up0 \expndtw0\charscalex105 \ul0\nosupersub
\cf2\f3\fs24 Kotler dan Armstrong\tab \up0 \expndtw-3\charscalex100 ( \line
\up0 \expndtw0\charscalex105 2001), menyatakan bahwa atribut \line \up0 \expnd
tw-2\charscalex100 produk adalah pengembangkan suatu \line \up0 \expndtw0\charsc
alex106 produk
dan
jasa
memerlukan \line \up0 \expndtw0\charscalex100 p
endefinisian manfaat-manfaat yang \par\pard\sect\sectd\fs24\paperw11900\paperh16
820\pard\sb0\sl-240{\bkmkstart Pg10}{\bkmkend Pg10}\par\pard\sect\sectd\sbknone\
cols2\colno1\colw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\sb0\sl-552\sl
mult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\sl
mult0 \par\pard\qj \li2268\ri459\sb112\sl-552\slmult0 \up0 \expndtw0\charscalex1
05 \ul0\nosupersub\cf2\f3\fs24 akan
ditawarkan.
Manfaat
ini \up0 \expnd
tw-2\charscalex100 dikomunikasikan dan disampaikan \up0 \expndtw0\charscalex
101 oleh atribut-atribut produk seperti, \up0 \expndtw0\charscalex100 kualita
s, fitur, serta gaya dan desain. \up0 \expndtw0\charscalex104 Keputusan mengen
ai atribut ini \up0 \expndtw0\charscalex105 mempengaruhi reaksi konsumen
\up0 \expndtw-3\charscalex100 terhadap suatu produk.\par\pard\qj \li2268\ri460\
sb0\sl-552\slmult0\fi720\tx3743\tx5010 \up0 \expndtw0\charscalex102 Dalam penel
tian ini atribut \line \up0 \expndtw0\charscalex104 produk Islam adalah atribu
t produk \line \up0 \expndtw0\charscalex102 khas yang ada pada produk bank
\line \up0 \expndtw-2\charscalex100 syariah. Menurut Iqbal (1997) sistem \line \
up0 \expndtw-3\charscalex100 keuangan \tab \up0 \expndtw-3\charscalex100 syariah
\tab \up0 \expndtw-3\charscalex100 meliputi, \line \up0 \expndtw-1\charscalex10
0 pengharaman bunga, bagi resiko, \line \up0 \expndtw0\charscalex108 uang

sebagai modal potensial, \line \up0 \expndtw0\charscalex102 pengharaman
perilaku spekulatif, \line \up0 \expndtw0\charscalex106 melakukan kontrak
yang halal, \line \up0 \expndtw-3\charscalex100 aktivitas sesuai syariah.\par\
pard\qj \li2268\ri461\sb0\sl-552\slmult0\fi720\tx3587 \up0 \expndtw0\charscalex1
03 Penelitian yang dilakukan \line \up0 \expndtw0\charscalex104 oleh Anderso
n et al (1994); Buzzel \line \up0 \expndtw0\charscalex106 and Gale \tab \up0 \
expndtw0\charscalex105 (1987); Fornell and \line \up0 \expndtw-3\charscalex1
00 Wernerfelt \up0 \expndtw0\charscalex103 (1987) dalam Nurhayati \line \up0 \ex
pndtw-1\charscalex100 (2002) dinyatakan bahwa atribut dari \line \up0 \expndtw0\
charscalex100 sebuah produk sangat erat kaitannya\par\pard\column \qj \li6591\sb
0\sl-552\slmult0 \par\pard\qj \li6591\sb0\sl-552\slmult0 \par\pard\qj \li6591\sb
0\sl-552\slmult0 \par\pard\qj \li20\ri1456\sb112\sl-552\slmult0 \up0 \expndtw0\c
harscalex100 dengan \ul0\nosupersub\cf3\f4\fs24 customer satisfaction\ul0\nosupe
rsub\cf2\f3\fs24 karena \up0 \expndtw0\charscalex102 kemakin tinggi penilaian k
onsumen \up0 \expndtw0\charscalex102 mengenai atribut produk maka akan \up0 \exp
ndtw0\charscalex103 semakin tinggi kepuasan pelanggan \up0 \expndtw-3\charscalex
100 yang dirasakan.\par\pard\ql \li20\sb234\sl-276\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf1\f2\fs24 Penelitian Terdahulu\par\pard\qj \li20\ri14
57\sb43\sl-552\slmult0\fi720\tx1623\tx3284 \up0 \expndtw0\charscalex100 \ul0\nos
upersub\cf2\f3\fs24 Penelitian tentang Analisis \line \up0 \expndtw0\charsca
lex103 Faktor-Faktor
yang Menentukan \line \up0 \expndtw-3\charscalex100 Ke
puasan \tab \up0 \expndtw-3\charscalex100 Pelanggan \tab \up0 \expndtw-3\charsca
lex100 dan \line \up0 \expndtw0\charscalex102 Pengaruhnya
terhadap
Loyalit
as \line \up0 \expndtw0\charscalex104 Pelanggan Bank Syariah di Jawa \line \
up0 \expndtw0\charscalex107 Tengah dan D. I. Yogyakarta oleh \line \up0 \expndtw
-1\charscalex100 Eko Sasono pada tahun 2006 dengan \line \up0 \expndtw0\charscal
ex102 variabel penelitian meliputi kualitas\par\pard\qj \li20\ri1457\sb0\sl-552\
slmult0\tx1244\tx2069\tx3290 \up0 \expndtw-3\charscalex100 layanan,\tab \up0 \ex
pndtw-3\charscalex100 fitur\tab \up0 \expndtw-3\charscalex100 layanan,\tab \up0
\expndtw-3\charscalex100 dan \line \up0 \expndtw-3\charscalex100 penanganan kelu
han. Hasil penelitian\par\pard\ql \li20\sb229\sl-276\slmult0\tx1664\tx2892 \up0
\expndtw-3\charscalex100 menunjukan\tab \up0 \expndtw-3\charscalex100 variabel\t
ab \up0 \expndtw-3\charscalex100 kualitas\par\pard\qj \li20\ri1455\sb48\sl-552\s
lmult0\tx1244\tx2069\tx3290 \up0 \expndtw-3\charscalex100 layanan,\tab \up0 \exp
ndtw-3\charscalex100 fitur\tab \up0 \expndtw-3\charscalex100 layanan,\tab \up0 \
expndtw-3\charscalex100 dan \line \up0 \expndtw0\charscalex101 penanganan keluha
n masing-masing \line \up0 \expndtw0\charscalex101 berpengaruh positif dan si
gnifikan \line \up0 \expndtw-1\charscalex100 terhadap kepuasan pelanggan. Dan
\line \up0 \expndtw0\charscalex102 kepuasan pelanggan berpengaruh \line \up
0 \expndtw0\charscalex107 positif dan signifikan terhadap \par\pard\sect\s
ectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg11}{\bkmkend Pg11
}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\col
sr160\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par
\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\ri460\sb112\sl-552\slmu
lt0\tx3343 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf2\f3\fs24 loyalitas pe
langgan. Dari penelitian \up0 \expndtw0\charscalex105 tersebut
dapat
menja
di
bahan \up0 \expndtw0\charscalex105 masukan bagi penelitian ini bahwa \line
\up0 \expndtw-3\charscalex100 kualitas \tab \up0 \expndtw0\charscalex101 layana
n
mempengaruhi \up0 \expndtw-3\charscalex100 kepuasan pelanggan\par\pard\qj \
li2268\ri459\sb1\sl-552\slmult0\fi720\tx3940\tx5043 \up0 \expndtw-2\charscalex10
0 Rahman El Junusi pada tahun \line \up0 \expndtw0\charscalex104 2009 melakukan
penelitian tentang \line \up0 \expndtw0\charscalex102 Pengaruh Atribut Produ
k Islam, \line \up0 \expndtw-2\charscalex100 Komitmen Agama, Kualitas Jasa dan
\line \up0 \expndtw-1\charscalex100 Kepercayaan terhadap Kepuasan dan \line \up
0 \expndtw0\charscalex100 Loyalitas Nasabah Bank Syariah \line \up0 \expnd
tw-3\charscalex100 pada Bank Muamalat kota Semarang. \line \up0 \expndtw-2\chars
calex100 Variabel yang diteliti meliputi atribut \line \up0 \expndtw-2\charscale
x100 produk Islam berpengaruh positif \line \up0 \expndtw0\charscalex101 n
amun tidak signifikan terhadap \line \up0 \expndtw-2\charscalex100 kepuasa
n. Variabel komitmen agama \line \up0 \expndtw-3\charscalex100 berpengaruh \tab

\up0 \expndtw-3\charscalex100 positif \tab \up0 \expndtw-3\charscalex100 terhada
p \line \up0 \expndtw0\charscalex102 kepuasan. Variabel kualitas layanan \line \
up0 \expndtw0\charscalex104 dan kepercayaan masing-masing \line \up0 \expndt
w0\charscalex101 berpengaruh positif dan signifikan\par\pard\qj \li2268\ri461
\sb0\sl-552\slmult0\tx3530\tx4931\tx3720\tx5055 \up0 \expndtw-3\charscalex100 te
rhadap\tab \up0 \expndtw-3\charscalex100 kepuasan.\tab \up0 \expndtw-3\charscale
x100 Kepuasan \line \up0 \expndtw0\charscalex102 pelanggan berpengaruh postif
dan \line \up0 \expndtw-3\charscalex100 signifikan \tab \up0 \expndtw-3\charsca
lex100 terhadap \tab \up0 \expndtw-3\charscalex100 loyalitas\par\pard\column \qj
\li6591\sb0\sl-552\slmult0 \par\pard\qj \li6591\sb0\sl-552\slmult0 \par\pard\qj
\li6591\sb0\sl-552\slmult0 \par\pard\qj \li20\ri1457\sb112\sl-552\slmult0\tx107
6\tx2806 \up0 \expndtw0\charscalex104 pelanggan. Dari penelitian tersebut \line
\up0 \expndtw0\charscalex104 dapat menjadi bahan rujukan untuk \line \up0 \expnd
tw0\charscalex104 penelitian ini bahwa atribut produk \line \up0 \expndtw-4\char
scalex100 Islam \tab \up0 \expndtw-3\charscalex100 berpengaruh \tab \up0 \expndt
w-3\charscalex100 terhadap \line \up0 \expndtw-3\charscalex100 kepuasan nasabah\
par\pard\qj \li20\ri1457\sb1\sl-552\slmult0\fi720\tx1213\tx2410\tx3204 \up0 \exp
ndtw0\charscalex100 Penelitian tentang Pengaruh \line \up0 \expndtw0\charscale
x105 Kualitas
Pelayanan
dan
Nilai \line \up0 \expndtw0\charscalex103 te
rhadap Kepuasan Nasabah pada \line \up0 \expndtw-1\charscalex100 Taplus BNI c
abang Undip Semarang \line \up0 \expndtw-2\charscalex100 pada tahun 2009 yang di
lakukan oleh \line \up0 \expndtw0\charscalex100 Danmia Andina. Hasil penel
itian \line \up0 \expndtw-1\charscalex100 dengan variabel kualitas layanan dan \
line \up0 \expndtw0\charscalex102 nilai masing-masing berpengaruh \line \up0
\expndtw0\charscalex107 positif dan signifikan terhadap \line \up0 \expnd
tw0\charscalex100 kepuasan pelanggan. Berdasarkan \line \up0 \expndtw0\chars
calex100 penelitian tersebut diambil sebagai \line \up0 \expndtw0\charscalex1
03 rujukan untuk penelitian bahwa \line \up0 \expndtw-3\charscalex100 kual
itas \tab \up0 \expndtw-3\charscalex100 layanan \tab \up0 \expndtw-3\charscalex1
00 dan \tab \up0 \expndtw-3\charscalex100 nilai \line \up0 \expndtw-3\charscalex
100 mempengaruhi kepuasan nasabah.\par\pard\ql \li20\sb233\sl-276\slmult0 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Hipotesis Penelitian\par\par
d\ql \li20\sb271\sl-276\slmult0\tx513 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf2\f3\fs24 H1\tab \up0 \expndtw-2\charscalex100 : Semakin tinggi derajat ku
alitas\par\pard\ql \li740\sb276\sl-276\slmult0 \up0 \expndtw0\charscalex100 laya
nan maka semakin tinggi \par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\s
b0\sl-240{\bkmkstart Pg12}{\bkmkend Pg12}\par\pard\sect\sectd\sbknone\cols2\coln
o1\colw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\sb0\sl-551\slmult0 \par
\pard\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2268\sb0\sl-551\slmult0 \par
\pard\qj \li2988\ri461\sb116\sl-551\slmult0\tx3863\tx4983 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf2\f3\fs24 pula\tab \up0 \expndtw-3\charscalex100 deraj
at\tab \up0 \expndtw-3\charscalex100 kepuasan \up0 \expndtw-3\charscalex100 nasa
bah BNI Syariah\par\pard\qj \li2268\ri462\sb1\sl-552\slmult0\tx2815 \up0 \expndt
w-3\charscalex100 H2\tab \up0 \expndtw0\charscalex107 : Semakin tinggi derajat n
ilai \line \up0 \expndtw0\charscalex106 nasabah maka semakin tinggi pula\par\par
d\qj \li2268\ri459\sb0\sl-552\slmult0\tx4282\tx5464 \up0 \expndtw-3\charscalex10
0 derajat kepuasan\tab \up0 \expndtw-3\charscalex100 nasabah\tab \up0 \expndtw-3
\charscalex100 BNI \line \up0 \expndtw-4\charscalex100 Syariah\par\pard\ql \li22
68\sb228\sl-276\slmult0\tx2747 \up0 \expndtw-3\charscalex100 H3\tab \up0 \expndt
w0\charscalex102 : Semakin tinggi derajat atribut\par\pard\ql \li2988\sb276\sl-2
76\slmult0 \up0 \expndtw0\charscalex103 produk yang melekat pada\par\pard\qj
\li2988\ri461\sb48\sl-552\slmult0 \up0 \expndtw-3\charscalex100 BNI Syariah
maka semakin \up0 \expndtw0\charscalex104 tinggi pula derajat kepuasan \up0 \exp
ndtw-3\charscalex100 nasabah BNI Syariah\par\pard\qj \li2268\sb0\sl-552\slmult0
\par\pard\qj \li2268\ri798\sb5\sl-552\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf1\f2\fs24 METODOLOGI PENELITIAN \up0 \expndtw-3\charscalex100 Jeni
s dan Sumber Data\par\pard\qj \li2268\ri460\sb0\sl-551\slmult0\fi720 \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Jenis data yang dipergunakan \up0
\expndtw-1\charscalex100 dalam penelitian ini adalah data \up0 \expndtw
0\charscalex104 primer. Berupa jawaban responden \up0 \expndtw0\charscalex104 at

as pertanyaan-pertanyaan yang \up0 \expndtw-3\charscalex100 diajukan dalam k
uesioner.\par\pard\ql \li2268\sb234\sl-276\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf1\f2\fs24 Populasi dan Sampel\par\pard\qj \li2268\ri461\sb43\
sl-552\slmult0\fi720 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf2\f3\fs24 Po
pulasi dalam penelitian ini \line \up0 \expndtw0\charscalex100 adalah seluruh na
sabah BNI Syariah \line \up0 \expndtw0\charscalex102 cabang Semarang. Peneli
tian ini\par\pard\column \qj \li6591\sb0\sl-552\slmult0 \par\pard\qj \li6591\s
b0\sl-552\slmult0 \par\pard\qj \li6591\sb0\sl-552\slmult0 \par\pard\qj \li20\ri1
455\sb112\sl-552\slmult0\tx1803\tx2695 \up0 \expndtw-3\charscalex100 menggunakan
\tab \up0 \expndtw-3\charscalex100 jenis\tab \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf3\f4\fs24 purposive \line \up0 \expndtw0\charscalex102 sampling\ul0
\nosupersub\cf2\f3\fs24 , karena memahami bahwa \line \up0 \expndtw-1\charscalex
100 informasi yang dibutuhkan dapat \line \up0 \expndtw-2\charscalex100 di
peroleh dari satu kelompok sasaran \line \up0 \expndtw0\charscalex101 tertentu
yang mampu memberikan \line \up0 \expndtw0\charscalex102 informasi karena me
reka memang \line \up0 \expndtw0\charscalex106 memiliki informasi seperti itu
dan \line \up0 \expndtw0\charscalex104 memenuhi kriteria yang ditentukan \line \
up0 \expndtw-2\charscalex100 (Ferdinand, 2006). Pemilihan metode\par\pard\qj \li
20\ri1456\sb0\sl-552\slmult0\tx675\tx1707\tx2839 \up0 \expndtw-3\charscalex100 i
ni\tab \up0 \expndtw-4\charscalex100 karena\tab \up0 \expndtw-3\charscalex100 di
ambil\tab \up0 \expndtw-3\charscalex100 menurut \line \up0 \expndtw0\charscalex1
03 pertimbangan kriteria sampel yaitu \line \up0 \expndtw-3\charscalex100 sampe
l mengetahui informasi tentang \line \up0 \expndtw0\charscalex107 bank syariah d
an menjadi nasabah \line \up0 \expndtw0\charscalex101 dari BNI Syariah cabang Se
marang. \line \up0 \expndtw0\charscalex102 Keterbatasan penelitian ini adalah
\line \up0 \expndtw0\charscalex103 tidak diketahui jumlah populasi \line
\up0 \expndtw0\charscalex105 secara pasti. Karena populasi tidak \line \up0 \exp
ndtw-2\charscalex100 diketahui, maka pengambilan sampel \line \up0 \expndtw0\cha
rscalex100 dalam penelitian ini menggunakan \line \up0 \expndtw-3\charscalex1
00 rumus (Widiyanto, 2008) : \par\pard\sect\sectd\fs24\paperw11900\paperh16820\
pard\sb0\sl-240{\bkmkstart Pg13}{\bkmkend Pg13}\par\pard\sect\sectd\sbknone\cols
2\colno1\colw3169\colsr40\colno2\colw8551\colsr160\ql \li2834\sb0\sl-276\slmult0
\par\pard\ql \li2834\sb0\sl-276\slmult0 \par\pard\ql \li2834\sb0\sl-276\slmult0
\par\pard\ql \li2834\sb249\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0\no
supersub\cf2\f3\fs24 n =\par\pard\column \ql \li3506\sb0\sl-241\slmult0 \par\par
d\ql \li3506\sb0\sl-241\slmult0 \par\pard\ql \li3506\sb0\sl-241\slmult0 \par\par
d\ql \li3506\sb0\sl-241\slmult0 \par\pard\ql \li317\sb107\sl-241\slmult0\tx3407
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf5\f6\fs21 \u1852?\ul0\super\cf6\
f7\fs27 2\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Metode P
engambilan Data\par\pard\ql \li20\ri1465\sb106\sl-216\slmult0\tx4132 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf5\f6\fs21 4(\u1865?\u1867?\u1857? )\ul0\nos
upersub\cf6\f7\fs18 2 \line\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf2
\f3\fs24 Metode pengumpulan data\par\pard\sect\sectd\sbknone\cols2\colno1\co
lw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\sb0\sl-176\slmult0 \par\pard
\qj \li2268\sb0\sl-176\slmult0 \par\pard\qj \li2834\ri2470\sb54\sl-176\slmult0\t
x3209 \up0 \expndtw0\charscalex103 n = \ul0\super\cf5\f6\fs31 1,96\ul0\nosupers
ub\cf6\f7\fs18 2 \line\tab \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf5\f6\f
s21 4(0,1)\ul0\nosupersub\cf6\f7\fs18 2\par\pard\ql \li2268\sb0\sl-276\slmult0 \
par\pard\ql \li2834\sb82\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf2\f3\fs24 n = 96\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li
2695\sb1\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Dimana:\par\pard\ql \li283
4\sb276\sl-276\slmult0\tx3396 \up0 \expndtw-3\charscalex100 n\tab \up0 \expndtw1\charscalex100 = jumlah sampel\par\pard\ql \li2834\sb276\sl-276\slmult0\tx3396
\up0 \expndtw-5\charscalex100 Z\tab \up0 \expndtw-1\charscalex100 = tingkat key
akinan yang\par\pard\ql \li3686\sb276\sl-276\slmult0\tx5291 \up0 \expndtw-3\char
scalex100 dibutuhkan\tab \up0 \expndtw-3\charscalex100 dalam\par\pard\qj \li3686

\ri462\sb48\sl-552\slmult0\tx5195 \up0 \expndtw-3\charscalex100 penentuan\tab \u
p0 \expndtw-3\charscalex100 sampel \up0 \expndtw-3\charscalex100 sebesar 95% ~ 1
,96\par\pard\qj \li2834\ri463\sb0\sl-552\slmult0\tx3686 \up0 \expndtw0\charscale
x109 moe = margin of error, atau \line\tab \up0 \expndtw0\charscalex100 kesalah
an
maksimal\par\pard\qj \li3686\ri464\sb0\sl-552\slmult0 \up0 \expndtw0\chars
calex104 yang bisa ditoleransi. \line \up0 \expndtw-3\charscalex100 Biasanya seb
esar 10%\par\pard\qj \li2268\ri459\sb0\sl-552\slmult0\fi720 \up0 \expndtw0\chars
calex103 Jadi jumlah sampel yang \line \up0 \expndtw0\charscalex106 diguna
kan dalam penelitian ini \line \up0 \expndtw0\charscalex104 adalah sebanya
k 96 orang nasabah, \line \up0 \expndtw0\charscalex102 untuk mempermudah pen
golahan \line \up0 \expndtw0\charscalex106 data mengambil sampel 100 orang \line
\up0 \expndtw0\charscalex106 nasabah
BNI
Syariah
cabang \line \up0 \ex
pndtw-3\charscalex100 Semarang.\par\pard\column \qj \li20\ri1456\sb59\sl-552\slm
ult0\tx3508 \up0 \expndtw0\charscalex102 pada penelitian ini adalah dengan \
line \up0 \expndtw0\charscalex102 menggunakan kuesioner. Dengan \line \up0 \
expndtw0\charscalex102 melakukan penyebaran kuesioner \line \up0 \expndtw0\c
harscalex101 responden untuk mengukur persepsi \line \up0 \expndtw0\charscalex10
0 responden digunakan Skala \ul0\nosupersub\cf3\f4\fs24 Likert\ul0\nosupersub
\cf2\f3\fs24 . \line \up0 \expndtw-1\charscalex100 Menurut Sugiyono \up0 \expn
dtw0\charscalex100 (2004), skala \line \up0 \expndtw0\charscalex102 \ul0\nosup
ersub\cf3\f4\fs24 Likert\ul0\nosupersub\cf2\f3\fs24 digunakan untuk mengukur
\line \up0 \expndtw0\charscalex105 sikap,
pendapat,
dan
persepsi \line
\up0 \expndtw0\charscalex103 seseorang atau sekelompok orang \line \up0 \exp
ndtw0\charscalex102 tentang fenomena sosial. Jawaban \line \up0 \expndtw0\cha
rscalex100 pertanyaan berdasarkan 5 poin skala \line \up0 \expndtw0\charscalex10
1 \ul0\nosupersub\cf3\f4\fs24 Likert\ul0\nosupersub\cf2\f3\fs24 , dimana angka 1
menunjukan \line \up0 \expndtw0\charscalex109 sangat tidak setuju, angka
\tab \up0 \expndtw-3\charscalex100 2 \line \up0 \expndtw0\charscalex100 menunjuk
an tidak setuju, angka \up0 \expndtw-3\charscalex100 3\par\pard\qj \li20\ri14
58\sb1\sl-552\slmult0\tx2571\tx3516 \up0 \expndtw0\charscalex104 menunjukan
n
etral,\tab \up0 \expndtw-4\charscalex100 angka\tab \up0 \expndtw-3\charscalex100
4 \up0 \expndtw0\charscalex104 menunjukan setuju, dan angka \up0 \expndtw-3\
charscalex100 5 \up0 \expndtw-3\charscalex100 menunjukan sangat setuju.\par\pard
\ql \li20\sb233\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1
\f2\fs24 Metode Analisis Data\par\pard\qj \li20\ri1456\sb43\sl-552\slmult0\fi720
\up0 \expndtw0\charscalex103 \ul0\nosupersub\cf2\f3\fs24 Dalam penelitian ini m
etode \line \up0 \expndtw0\charscalex105 yang digunakan adalah metode \lin
e \up0 \expndtw-1\charscalex100 kuantitatif. Variabel-variabel laten
8}}
}}
8}}

g14}{\bkmkend Pg14}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6791\colsr160\c
olno2\colw4809\colsr160\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\s
l-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\ri820
\sb112\sl-552\slmult0\tx3664\tx5235 \up0 \expndtw0\charscalex101 \ul0\nosupersub
\cf2\f3\fs24 (konstruk) yang ada diwujudkan \line \up0 \expndtw0\charscale
x107 dalam
indikator
variabel
dan \line \up0 \expndtw0\charscalex104 di
jabarkan lagi menjadi pertanyaan \line \up0 \expndtw0\charscalex103 kuesioner.
Jawaban responden ini \line \up0 \expndtw0\charscalex104 diukur
dengan
s
kala
sehingga \line \up0 \expndtw-3\charscalex100 hasilnya \tab \up0 \expndtw
-3\charscalex100 berbentuk \tab \up0 \expndtw-3\charscalex100 angka. \line \up0
\expndtw0\charscalex100 Selanjutnya angka ini diolah dengan \line \up0 \expndtw3\charscalex100 metode statistik.\par\pard\qj \li2268\ri820\sb0\sl-552\slmult0\f
i720 \up0 \expndtw0\charscalex103 Untuk
menganalisis
data \line \up0 \expn
dtw-3\charscalex100 digunakan pengujian sebagai berikut:\par\pard\ql \li2628\sb2
28\sl-276\slmult0\tx3650\tx4877 \up0 \expndtw0\charscalex106 1.\ul0\nosupersub\c
f4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Uji\tab \up0 \expndtw-3\charscalex100 V
aliditas\tab \up0 \expndtw-3\charscalex100 digunakan\par\pard\qj \li2988\ri820\s
b50\sl-551\slmult0\tx3995\tx5362 \up0 \expndtw0\charscalex101 untuk mengukur
sah atau \line \up0 \expndtw-3\charscalex100 valid \tab \up0 \expndtw-3\chars
calex100 tidaknya \tab \up0 \expndtw-3\charscalex100 suatu \line \up0 \expndtw-3
\charscalex100 kuesioner.\par\pard\qj \li2628\ri820\sb1\sl-552\slmult0\tx2988\tx
4483\tx5524 \up0 \expndtw-1\charscalex100 2.\ul0\nosupersub\cf4\f5\fs24 \ul0\no
supersub\cf2\f3\fs24 Uji Reliabilitas adalah tingkat \line\tab \up0 \expndtw-3\
charscalex100 kestabilan \tab \up0 \expndtw-3\charscalex100 suatu \tab \up0 \exp
ndtw-3\charscalex100 alat\par\pard\qj \li2988\ri820\sb1\sl-552\slmult0 \up0 \exp
ndtw-1\charscalex100 pengukur dalam mengukur \up0 \expndtw-3\charscalex100 s
uatu gejala/kejadian.\par\pard\qj \li2628\ri818\sb0\sl-552\slmult0\tx2988 \up0 \
expndtw0\charscalex107 3.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs2
4 Uji Normalitas bertujuan \line\tab \up0 \expndtw0\charscalex101 untuk men
guji apakah dalam\par\pard\qj \li2988\ri820\sb1\sl-551\slmult0\tx5101 \up0 \expn
dtw0\charscalex107 model
regresi,\tab \up0 \expndtw-3\charscalex100 variabel
\line \up0 \expndtw0\charscalex102 terikat, variabel bebas atau\par\pard\colu
mn \qj \li6951\sb0\sl-551\slmult0 \par\pard\qj \li6951\sb0\sl-551\slmult0 \par\p
ard\qj \li6951\sb0\sl-551\slmult0 \par\pard\qj \li380\ri1459\sb116\sl-551\slmult
0\tx2144 \up0 \expndtw-3\charscalex100 keduanya\tab \up0 \expndtw-3\charscalex10
0 mempunyai \line \up0 \expndtw-3\charscalex100 distribusi normal atau tidak.\pa
r\pard\ql \li20\sb229\sl-276\slmult0\tx385\tx1614 \up0 \expndtw-3\charscalex100
4.\tab \up0 \expndtw-3\charscalex100 Uji\tab \up0 \expndtw-3\charscalex100 Multi
kolonieritas\par\pard\qj \li380\ri1456\sb48\sl-552\slmult0 \up0 \expndtw0\charsc
alex103 bertujuan
untuk
menguji \line \up0 \expndtw0\charscalex104 dalam m
odel regresi apakah \line \up0 \expndtw0\charscalex100 ditemukan adanya kore
lasi \line \up0 \expndtw0\charscalex102 antar variabel \up0 \expndtw-3\charscal
ex100 (\ul0\nosupersub\cf3\f4\fs24 independent \line \up0 \expndtw-3\charscalex1
00 \ul0\nosupersub\cf2\f3\fs24 variable)\par\pard\ql \li20\sb228\sl-276\slmult0\
tx385\tx1479 \up0 \expndtw-3\charscalex100 5.\tab \up0 \expndtw-3\charscalex100
Uji\tab \up0 \expndtw-3\charscalex100 heteroskedastisitas\par\pard\qj \li380\ri1
458\sb48\sl-552\slmult0\tx1844 \up0 \expndtw0\charscalex103 bertujuan
untuk
menguji \up0 \expndtw0\charscalex104 apakah dalam model regresi \line \up0 \ex
pndtw-3\charscalex100 terjadi \tab \up0 \expndtw-3\charscalex100 ketidaksamaan\p
ar\pard\qj \li380\ri1455\sb0\sl-551\slmult0\tx1871\tx2893 \up0 \expndtw-3\charsc
alex100 \ul0\nosupersub\cf3\f4\fs24 varian\ul0\nosupersub\cf2\f3\fs24 ce\tab \up
0 \expndtw-3\charscalex100 dari\tab \up0 \expndtw-3\charscalex100 satu \line \up
0 \expndtw0\charscalex101 pengamatan ke pengamatan \line \up0 \expndtw-3\chars
calex100 yang lain.\par\pard\qj \li20\ri1458\sb1\sl-552\slmult0\fi360 \up0 \expn
dtw0\charscalex102 Sedangkan untuk menguji \up0 \expndtw0\charscalex104 mode
l
digunakan
pengujian \up0 \expndtw-3\charscalex100 sebagai berikut:\par\p
ard\ql \li20\sb228\sl-276\slmult0\tx1098\tx1570\tx2427 \up0 \expndtw0\charscalex
106 1.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Uji\tab \up0 \ex

pndtw-3\charscalex100 t\tab \up0 \expndtw-3\charscalex100 pada\tab \up0 \expndtw
-3\charscalex100 dasarnya\par\pard\qj \li380\ri1456\sb48\sl-552\slmult0\tx1688\t
x2497 \up0 \expndtw0\charscalex100 menunjukkan seberapa jauh \line \up0 \expnd
tw-3\charscalex100 pengaruh \tab \up0 \expndtw-3\charscalex100 satu \tab \up0 \e
xpndtw-3\charscalex100 variabel \line \up0 \expndtw0\charscalex100 independen se
cara individual \line \up0 \expndtw0\charscalex102 dalam menerangkan variasi \
par\pard\sect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg15
}{\bkmkend Pg15}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\coln
o2\colw5169\colsr160\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2268\sb0\sl-5
51\slmult0 \par\pard\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2988\ri460\sb
116\sl-551\slmult0\tx4768 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\f
s24 variabel\tab \up0 \expndtw-3\charscalex100 independen \up0 \expndtw-3\charsc
alex100 (Ghozali, 2006).\par\pard\qj \li2628\ri459\sb1\sl-552\slmult0\tx2988\tx4
843 \up0 \expndtw0\charscalex104 2.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\
cf2\f3\fs24 Uji F meliputi pengujian \line\tab \up0 \expndtw-3\charscalex
100 signifikansi \tab \up0 \expndtw-3\charscalex100 persamaan\par\pard\qj \li298
8\ri460\sb0\sl-552\slmult0\tx5095 \up0 \expndtw0\charscalex103 regresi sejauh ma
na variabel \line \up0 \expndtw-1\charscalex100 bebas mempengaruhi secara \lin
e \up0 \expndtw-3\charscalex100 bersama-sama \tab \up0 \expndtw-3\charscalex100
variabel \line \up0 \expndtw-3\charscalex100 terikat.\par\pard\ql \li2628\sb228\
sl-276\slmult0\tx5476 \up0 \expndtw0\charscalex101 3.\ul0\nosupersub\cf4\f5\fs24
\ul0\nosupersub\cf2\f3\fs24 Koefisien determinasi\tab \up0 \expndtw-2\chars
calex100 (R\ul0\super\cf8\f9\fs24 2\ul0\nosupersub\cf2\f3\fs24 )\par\pard\qj \li
2988\ri460\sb48\sl-552\slmult0\tx3835\tx4900 \up0 \expndtw-3\charscalex100 pada\
tab \up0 \expndtw-3\charscalex100 intinya\tab \up0 \expndtw-3\charscalex100 meng
ukur \line \up0 \expndtw0\charscalex101 seberapa jauh kemampuan \line \up0 \
expndtw-1\charscalex100 model dalam menerangkan \line \up0 \expndtw-3\charsc
alex100 variasi variabel independen.\par\pard\qj \li2268\sb0\sl-551\slmult0 \par
\pard\qj \li2268\ri463\sb7\sl-551\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosu
persub\cf1\f2\fs24 HASIL
PENELITIAN
DAN \up0 \expndtw-3\charscalex100 PE
MBAHASAN\par\pard\ql \li2268\sb230\sl-276\slmult0 \up0 \expndtw-3\charscalex100
Gambaran Umum Responden\par\pard\qj \li2268\ri460\sb43\sl-552\slmult0\fi720 \up0
\expndtw0\charscalex103 \ul0\nosupersub\cf2\f3\fs24 Jumlah responden dengan
\line \up0 \expndtw0\charscalex102 jenis kelamin pria sebanyak \up0 \expndtw
-3\charscalex100 68% \line \up0 \expndtw0\charscalex105 lebih
banyak
darip
ada
wanita \line \up0 \expndtw-2\charscalex100 sebanyak 32%. Berdasarkan kate
gori \line \up0 \expndtw0\charscalex105 usia, responden dengan usia \up0 \expndt
w-3\charscalex100 21-30 \line \up0 \expndtw-3\charscalex100 tahun paling banyak
dengan 54% dan\par\pard\column \qj \li6591\sb0\sl-552\slmult0 \par\pard\qj \li65
91\sb0\sl-552\slmult0 \par\pard\qj \li6591\sb0\sl-552\slmult0 \par\pard\qj \li20
\ri1457\sb112\sl-552\slmult0\tx2149 \up0 \expndtw0\charscalex100 paling sedikit
adalah yang berusia di \line \up0 \expndtw-3\charscalex100 bawah \up0 \expndtw0\
charscalex102 20 tahun sebanyak \up0 \expndtw-3\charscalex100 2%. \line \up0
\expndtw0\charscalex104 Responden
berdasarkan
tingkat \line \up0 \expndtw
0\charscalex103 pendidikannya terbanyak adalah S1 \line \up0 \expndtw0\charscale
x100 dengan 48% dan paling sedikit SMP \line \up0 \expndtw-1\charscalex100 denga
n sebanyak \up0 \expndtw0\charscalex100 2%. Reponden \line \up0 \expndtw0\ch
arscalex101 dengan pekerjaan sebagai karyawan \line \up0 \expndtw0\charscalex104
swasta sebanyak \tab \up0 \expndtw0\charscalex106 32%, disusul \line \up0 \
expndtw-2\charscalex100 pelajar/mahasiswa sebanyak \up0 \expndtw-3\charscalex1
00 22%, \line \up0 \expndtw-3\charscalex100 wiraswasta \up0 \expndtw0\charscalex
101 (19%), pegawai negeri\par\pard\qj \li20\ri1456\sb0\sl-552\slmult0\tx2425 \
up0 \expndtw0\charscalex100 (15%), dan lain-lain\tab \up0 \expndtw-1\charscale
x100 (12%) yang \up0 \expndtw0\charscalex103 termasuk di dalamnya adalah ib
u \up0 \expndtw0\charscalex104 rumah tangga, pensiunan, guru dan \up0 \expndtw-3
\charscalex100 pengangguran.\par\pard\ql \li20\sb233\sl-276\slmult0 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Regresi Linier Berganda\par\pard\q
j \li20\ri1456\sb43\sl-552\slmult0\fi720\tx2429 \up0 \expndtw0\charscalex111 \ul
0\nosupersub\cf2\f3\fs24 Data
diuji\tab \up0 \expndtw0\charscalex112 dan
t
elah \line \up0 \expndtw0\charscalex101 memenuhi

persyaratan
validitas,\pa
r\pard\ql \li20\sb228\sl-276\slmult0\tx2566 \up0 \expndtw-3\charscalex100 reliab
ilitas,\tab \up0 \expndtw-3\charscalex100 normalitas,\par\pard\qj \li20\ri1457\s
b48\sl-552\slmult0\tx3291 \up0 \expndtw-3\charscalex100 multikolonieritas,\tab \
up0 \expndtw-3\charscalex100 dan \up0 \expndtw-1\charscalex100 heteroskedastisit
as. Maka langkah \up0 \expndtw0\charscalex102 selanjutnya
adalah
menga
nalisis \up0 \expndtw-2\charscalex100 pengaruh variabel dependen terhadap \up0 \
expndtw-3\charscalex100 variabel independen. \par\pard\sect\sectd\fs24\paperw119
00\paperh16820\pard\sb0\sl-240{\bkmkstart Pg16}{\bkmkend Pg16}\par\pard\ql \li62
12\sb0\sl-276\slmult0 \par\pard\ql\li6212\sb0\sl-276\slmult0 \par\pard\ql\li6212
\sb0\sl-276\slmult0 \par\pard\ql\li6212\sb0\sl-276\slmult0 \par\pard\ql\li6212\s
b0\sl-276\slmult0 \par\pard\ql\li6212\sb0\sl-276\slmult0 \par\pard\ql\li6212\sb0
\sl-276\slmult0 \par\pard\ql\li6212\sb59\sl-276\slmult0 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf1\f2\fs24 Tabel 2 \par\pard\ql \li4647\sb144\sl-276\slmu
lt0 \up0 \expndtw-3\charscalex100 Hasil Regresi Linear Berganda \par\pard\ql \li
5859\sb0\sl-195\slmult0 \par\pard\ql\li5859\sb116\sl-195\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf10\f11\fs18 Coefficients\ul0\super\cf11\f12\fs1
8 a \par\pard\ql \li5662\sb0\sl-207\slmult0 \par\pard\ql\li5662\sb9\sl-207\slmul
t0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs18 Standardize\par\p
ard\sect\sectd\sbknone\cols3\colno1\colw3887\colsr160\colno2\colw2867\colsr160\c
olno3\colw4696\colsr160\ql \li2268\sb0\sl-207\slmult0 \par\pard\ql \li2952\sb125
\sl-207\slmult0 \up0 \expndtw-2\charscalex100 Model\par\pard\column \ql \li20\sb
121\sl-207\slmult0\tx2070 \up0 \expndtw-2\charscalex100 Unstandardized\tab \up0
\expndtw-2\charscalex100 d\par\pard\qj \li173\ri242\sb0\sl-389\slmult0\fi7\tx165
0\tx753\tx1931 \up0 \expndtw-2\charscalex100 Coefficients\tab \up0 \expndtw-2\ch
arscalex100 Coefficients \line \up0 \expndtw-2\charscalex100 B \tab \up0 \expndt
w-2\charscalex100 Std. Error \tab \up0 \expndtw-2\charscalex100 Beta\par\pard\co
lumn \qj \li20\ri1589\sb118\sl-211\slmult0\fi1387\tx758 \up0 \expndtw-2\charscal
ex100 Collinearity Statistics \line \up0 \expndtw-2\charscalex100 T \tab \up0 \e
xpndtw-2\charscalex100 Sig.\par\pard\ql \li2268\sb0\sl-207\slmult0 \par\pard\ql
\li1419\sb115\sl-207\slmult0\tx2591 \up0 \expndtw-2\charscalex100 Tolerance\tab
\up0 \expndtw-2\charscalex100 VIF \par\pard\sect\sectd\sbknone \li2268\sb22\sl-2
99\slmult0\fi386\tx4308\tx5100\tx7098\tx7995 \dn3 \expndtw-2\charscalex100 1\t \
up0 \expndtw-2\charscalex100 (Constant)\tab \dn3 \expndtw-2\charscalex100 -.374\
tab \dn3 \expndtw-2\charscalex100 1.152\tab \dn3 \expndtw-2\charscalex100 -.325\
tab \dn3 \expndtw-2\charscalex100 .746\par\pard\sect\sectd\sbknone \li2268\sb149
\sl-207\slmult0\fi467\tx4368\tx5201\tx6320\tx7057\tx7995\tx8972\tx9710 \up2 \exp
ndtw-2\charscalex100 Kualitas\tab \dn3 \expndtw-2\charscalex100 .217\tab \dn3 \e
xpndtw-2\charscalex100 .076\tab \dn3 \expndtw-2\charscalex100 .273\tab \dn3 \exp
ndtw-2\charscalex100 2.853\tab \dn3 \expndtw-2\charscalex100 .005\tab \dn3 \expn
dtw-2\charscalex100 .477\tab \dn3 \expndtw-2\charscalex100 2.097\par\pard\sect\s
ectd\sbknone \li2268\sb0\sl-218\slmult0\par\pard\li2268\sb34\sl-218\slmult0\fi46
7\tx4368\tx5201\tx6320\tx7057\tx7995\tx8972\tx9710 \up3 \expndtw-2\charscalex100
Nilai\tab \dn3 \expndtw-2\charscalex100 .333\tab \dn3 \expndtw-2\charscalex100
.078\tab \dn3 \expndtw-2\charscalex100 .385\tab \dn3 \expndtw-2\charscalex100 4.
257\tab \dn3 \expndtw-2\charscalex100 .000\tab \dn3 \expndtw-2\charscalex100 .53
3\tab \dn3 \expndtw-2\charscalex100 1.875\par\pard\sect\sectd\sbknone \li2268\sb
195\sl-207\slmult0\fi467\tx4368\tx5201\tx6320\tx7057\tx7995\tx8972\tx9710 \up0 \
expndtw-2\charscalex100 Atribut\tab \dn3 \expndtw-2\charscalex100 .142\tab \dn3
\expndtw-2\charscalex100 .050\tab \dn3 \expndtw-2\charscalex100 .234\tab \dn3 \e
xpndtw-2\charscalex100 2.846\tab \dn3 \expndtw-2\charscalex100 .005\tab \dn3 \ex
pndtw-2\charscalex100 .647\tab \dn3 \expndtw-2\charscalex100 1.545\par\pard\sect
\sectd\sbknone \li2268\sb0\sl-207\slmult0\par\pard\li2268\sb78\sl-207\slmult0\fi
386 \up0 \expndtw-2\charscalex100 a. Dependent Variable: Kepuasan\par\pard\sect\
sectd\sbknone \li2268\sb228\sl-276\slmult0\fi720 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf2\f3\fs24 Sumber: Data primer diolah, 2010\par\pard\sect\sectd\
sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\ri459
\sb48\sl-552\slmult0\fi720\tx4005\tx5056 \up0 \expndtw-3\charscalex100 Dari\tab
\up0 \expndtw-3\charscalex100 hasil\tab \up0 \expndtw-3\charscalex100 tersebut,
\line \up0 \expndtw0\charscalex103 berdasarkan bentuk \ul0\nosupersub\cf3\f4\f
s24 standardized\par\pard\qj \li2268\ri461\sb0\sl-552\slmult0\tx3055\tx4527 \u

p0 \expndtw-3\charscalex100 beta\tab \up0 \expndtw-3\charscalex100 coefficients\
tab \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf2\f3\fs24 maka
akan \line
\up0 \expndtw0\charscalex101 diperoleh persamaan regresi sebagai \line \up0 \exp
ndtw-3\charscalex100 berikut:\par\pard\qj \li2268\ri510\sb10\sl-547\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Y = 0,273 X\ul0\sub\cf9\f1
0\fs24 1\ul0\nosupersub\cf1\f2\fs24 + 0,385 X\ul0\sub\cf9\f10\fs24 2\ul0\nosup
ersub\cf1\f2\fs24 + 0,234 X\ul0\sub\cf9\f10\fs24 3 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf2\f3\fs24 Keterangan :\par\pard\ql \li2268\sb231\sl-276\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Y=\ul0\nosupersub\
cf2\f3\fs24 Kepuasan nasabah\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\q
l \li2268\sb202\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1
\f2\fs24 X\ul0\sub\cf9\f10\fs24 1\ul0\nosupersub\cf2\f3\fs24 =Variabel kualitas
layanan\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb199\sl-276
\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 X\ul0\sub\cf9
\f10\fs24 2\ul0\nosupersub\cf2\f3\fs24 =Variabel nilai nasabah\par\pard\ql \li22
68\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb197\sl-276\slmult0 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf1\f2\fs24 X\ul0\sub\cf9\f10\fs24 3\ul0\nosupersu
b\cf2\f3\fs24 =Variabel atribut produk Islam\par\pard\column \qj \li20\ri1457\sb
48\sl-552\slmult0\fi566 \up0 \expndtw0\charscalex101 Persamaan regresi berga
nda \up0 \expndtw0\charscalex100 tersebut dapat dijelaskan lebih lanjut \up0 \ex
pndtw-3\charscalex100 yakni sebagai berikut:\par\pard\qj \li587\ri1456\sb0\sl-55
2\slmult0\tx1024 \up0 \expndtw0\charscalex101 1.\ul0\nosupersub\cf4\f5\fs24 \ul
0\nosupersub\cf2\f3\fs24 Variabel kualitas layanan \line\tab \up0 \expndtw0\
charscalex100 (X\ul0\sub\cf8\f9\fs24 1\ul0\nosupersub\cf2\f3\fs24 ) memiliki
pengaruh\par\pard\qj \li1014\ri1455\sb0\sl-552\slmult0 \up0 \expndtw0\charscale
x104 positif terhadap kepuasan \line \up0 \expndtw0\charscalex106 nasabah (Y) de
ngan nilai \line \up0 \expndtw-3\charscalex100 0,273.\par\pard\qj \li587\ri1454\
sb1\sl-551\slmult0\tx1024 \up0 \expndtw-1\charscalex100 2.\ul0\nosupersub\cf4\f5
\fs24 \ul0\nosupersub\cf2\f3\fs24 Variabel nilai nasabah (X\ul0\sub\cf8\f9\fs
24 2\ul0\nosupersub\cf2\f3\fs24 ) \line\tab \up0 \expndtw0\charscalex102 memilik
i pengaruh positif\par\pard\ql \li1014\sb229\sl-276\slmult0 \up0 \expndtw-3\char
scalex100 terhadap kepuasan nasabah\par\pard\ql \li1014\sb276\sl-276\slmult0 \up
0 \expndtw-3\charscalex100 (Y) dengan nilai 0,385.
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
{\sp{\sn pVerticies}{\sv 8;4;(0,3);(20,3);(0,0);(0,3)}}
{\sp{\sn pSegmentInfo}{\sv 2;9;16384;45824;1;45824;1;45824;1;45824;32768}}
}}
8}}
}}
8}}
}}
}}
8}}
}}

8}}
}}
}}
}}
8}}
}}
8}}
}}

}}
}}
8}}
}}
8}}
}}
}}

}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}

}}
8}}
}}
8}}
}}
}}
}}
8}}

}}
8}}
}}
}}
}}
8}}
}}
8}}

}}
}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}
}}

8}}
}}
8}}
}}
}}
}}
8}}
}}

8}}
}}
}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
l-551\slmult0 \par\pard\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2834\ri0\s
b116\sl-551\slmult0\tx3262\tx4185\tx5002 \up0 \expndtw0\charscalex104 \ul0\nosup
ersub\cf2\f3\fs24 3.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 V
ariabel atribut produk \line\tab \up0 \expndtw-4\charscalex100 Islam \tab \u
p0 \expndtw-3\charscalex100 (X\ul0\sub\cf8\f9\fs24 3\ul0\nosupersub\cf2\f3\fs24
) \tab \up0 \expndtw-3\charscalex100 memiliki\par\pard\qj \li3262\ri0\sb1\sl-552
\slmult0\tx5536 \up0 \expndtw0\charscalex104 pengaruh positif terhadap \line \up
0 \expndtw0\charscalex101 kepuasan
nasabah \tab \up0 \expndtw-3\charscalex100
(Y) \up0 \expndtw-3\charscalex100 dengan nilai 0,234.\par\pard\ql \li2268\sb234
\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Uji t\
par\pard\qj \li2268\ri0\sb44\sl-551\slmult0\fi720\tx3695\tx4168\tx5025 \up0 \exp
ndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Uji\tab \up0 \expndtw-3\charsca
lex100 t\tab \up0 \expndtw-3\charscalex100 pada\tab \up0 \expndtw-3\charscalex10
0 dasarnya \line \up0 \expndtw0\charscalex100 menunjukan seberapa jauh pengaruh\
par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb0\sl-276\slmult0 \
par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb0\sl-276\slmult0 \
par\pard\ql \li5014\sb80\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Variabel\p
ar\pard\column \qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\sl
mult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li541\ri1456\sb112\s
l-552\slmult0 \up0 \expndtw0\charscalex101 satu variabel independen \up0 \exp
ndtw-3\charscalex100 (kualitas \line \up0 \expndtw0\charscalex101 layanan, nila
i nasabah dan atribut \line \up0 \expndtw0\charscalex103 produk Islam) se
cara individual \line \up0 \expndtw0\charscalex101 dalam menerangkan variasi v
ariabel \line \up0 \expndtw0\charscalex101 dependen (kepuasan nasabah).\ul0\nosu
persub\cf13\f14\fs20 \ul0\nosupersub\cf2\f3\fs24 Hasil \line \up0 \expndtw-1\ch
arscalex100 uji t pada penelitian ini dapat dilihat \line \up0 \expndtw-3\chars
calex100 pada tabel berikut.\par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql
\li2268\sb0\sl-276\slmult0 \par\pard\ql \li162\sb235\sl-276\slmult0 \up0 \expnd
tw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Tabel 3\par\pard\ql \li20\sb41\sl
-276\slmult0 \up0 \expndtw-3\charscalex100 Hasil Uji t\par\pard\ql \li2268\sb0\s
l-276\slmult0 \par\pard\ql \li1194\sb79\sl-276\slmult0\tx2106 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf2\f3\fs24 T\tab \up0 \expndtw-3\charscalex100 Sig\
par\pard\sect\sectd\sbknone\cols2\colno1\colw7007\colsr160\colno2\colw4593\colsr
160\qj \li4141\ri618\sb29\sl-422\slmult0 \up0 \expndtw-3\charscalex100 Kualitas
Layanan (X\ul0\sub\cf8\f9\fs24 1\ul0\nosupersub\cf2\f3\fs24 ) \up0 \expndtw-3\ch
arscalex100 Nilai Nasabah (X\ul0\sub\cf8\f9\fs24 2\ul0\nosupersub\cf2\f3\fs24 )\
par\pard\ql \li4141\sb124\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Atribut P
roduk Islam (X\ul0\sub\cf8\f9\fs24 3\ul0\nosupersub\cf2\f3\fs24 )\par\pard\colum
n \ql \li20\sb238\sl-276\slmult0\tx1137 \up0 \expndtw-3\charscalex100 2.853\tab
\up0 \expndtw-3\charscalex100 .005\par\pard\ql \li20\sb149\sl-276\slmult0\tx1137
\up0 \expndtw-3\charscalex100 4.257\tab \up0 \expndtw-3\charscalex100 .000\par\
pard\ql \li20\sb149\sl-276\slmult0\tx1137 \up0 \expndtw-3\charscalex100 2.846\ta
b \up0 \expndtw-3\charscalex100 .005 \par\pard\sect\sectd\sbknone \li2268\sb55\s

l-276\slmult0\fi2160 \up0 \expndtw-3\charscalex100 Sumber: Data primer diolah, 2
010\par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\c
olsr160\qj \li2268\ri464\sb49\sl-551\slmult0 \up0 \expndtw0\charscalex110 Hasil
analisis uji t adalah sebagai \up0 \expndtw-3\charscalex100 berikut:\par\pard\ql
\li2335\ri463\sb1\sl-552\slmult0\tx2695 \up0 \expndtw-1\charscalex100 a.\ul0\no
supersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Variabel Kualitas Layanan \li
ne\tab \up0 \expndtw0\charscalex109 Ho : \u946?\ul0\sub\cf8\f9\fs24 1\ul0\nosupe
rsub\cf2\f3\fs24 = 0 : Kualitas layanan\par\pard\qj \li2695\ri460\sb0\sl-552\sl
mult0\tx3619\tx5265 \up0 \expndtw-3\charscalex100 tidak\tab \up0 \expndtw-3\char
scalex100 berpengaruh\tab \up0 \expndtw-3\charscalex100 positif \line \up0 \expn
dtw0\charscalex102 signifikan terhadap kepuasan \line \up0 \expndtw-3\charsc
alex100 nasabah.\par\pard\ql \li2695\ri462\sb0\sl-552\slmult0\tx4107\tx4424 \up0
\expndtw-3\charscalex100 Ha : \u946?\ul0\sub\cf8\f9\fs24 1 \ul0\nosupersub\cf2
\f3\fs24 > 0\tab \up0 \expndtw-3\charscalex100 :\tab \up0 \expndtw-3\charscalex
100 Kualitas \line \up0 \expndtw0\charscalex102 layanan
berpengaruh
positi
f\par\pard\column \qj \li448\ri1458\sb49\sl-551\slmult0 \up0 \expndtw0\charscale
x102 signifikan terhadap kepuasan \up0 \expndtw-3\charscalex100 nasabah.\par
\pard\qj \li20\ri1456\sb0\sl-553\slmult0\fi720 \up0 \expndtw0\charscalex103 Nila
i t\ul0\sub\cf8\f9\fs24 hitung\ul0\nosupersub\cf2\f3\fs24
pada variabel \
line \up0 \expndtw0\charscalex101 kualitas layanan (X\ul0\sub\cf8\f9\fs24 1\ul0\
nosupersub\cf2\f3\fs24 ) adalah sebesar \line \up0 \expndtw-2\charscalex100 2,85
3 dengan tingkat signifikansi \line \up0 \expndtw0\charscalex104 0,005. K
arena nilai t\ul0\sub\cf8\f9\fs24 hitung\ul0\nosupersub\cf2\f3\fs24 sebesar
\line \up0 \expndtw-3\charscalex100 2,853 \up0 \expndtw0\charscalex107 > nilai
\ul0\nosupersub\cf14\f15\fs22 t\ul0\sub\cf15\f16\fs21 tabel\ul0\nosupersub\cf2\
f3\fs24 sebesar \up0 \expndtw-3\charscalex100 1,985 \line \up0 \expndtw0\chars
calex104 dengan tingkat signifikansi sebesar \line \up0 \expndtw0\charscalex107
0,005 < 0,05 maka Ho ditolak dan \line \up0 \expndtw0\charscalex106 Ha diterim
a. Dengan demikian
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
\sb112\sl-552\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf2\f3\fs24 h
ipotesis pertama diterima. Arah \up0 \expndtw0\charscalex106 koefisien r
egresi positif berarti \up0 \expndtw0\charscalex100 bahwa kualitas layan
an memiliki \up0 \expndtw0\charscalex105 pengaruh positif dan signifikan
\up0 \expndtw-3\charscalex100 terhadap kepuasan nasabah.\par\pard\ql \li2338\ri
461\sb1\sl-552\slmult0\tx2695\tx4100 \up0 \expndtw-1\charscalex100 b.\ul0\nosupe
rsub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Variabel Nilai Nasabah \line\tab
\up0 \expndtw-3\charscalex100 Ho : \u946?\ul0\sub\cf8\f9\fs24 1\ul0\nosupersub\c
f2\f3\fs24 = 0 \tab \up0 \expndtw0\charscalex102 : Nilai nasabah\par\pard\q
j \li2695\ri460\sb0\sl-552\slmult0\tx3618\tx5265 \up0 \expndtw-3\charscalex100 t
idak\tab \up0 \expndtw-3\charscalex100 berpengaruh\tab \up0 \expndtw-3\charscale
x100 positif \line \up0 \expndtw0\charscalex102 signifikan terhadap kepuasan
\line \up0 \expndtw-3\charscalex100 nasabah.\par\pard\qj \li2695\ri461\sb0\sl-5
52\slmult0\tx4107 \up0 \expndtw-3\charscalex100 Ha : \u946?\ul0\sub\cf8\f9\fs24
1 \ul0\nosupersub\cf2\f3\fs24 > 0\tab \up0 \expndtw0\charscalex102 : Nilai n
asabah \up0 \expndtw-1\charscalex100 berpengaruh positif signifikan \up0 \ex
pndtw-3\charscalex100 terhadap kepuasan nasabah.\par\pard\qj \li2268\ri459\sb0\s
l-552\slmult0\fi720 \up0 \expndtw-1\charscalex100 Nilai t\ul0\sub\cf8\f9\fs24 hi
tung\ul0\nosupersub\cf2\f3\fs24 pada variabel nilai \line \up0 \expndtw-3\chars
calex100 nasabah \up0 \expndtw0\charscalex105 (X\ul0\sub\cf8\f9\fs24 2\ul0\nosup
ersub\cf2\f3\fs24 ) adalah sebesar \up0 \expndtw-3\charscalex100 4,257 \line \up
0 \expndtw0\charscalex101 dengan tingkat signifikansi \up0 \expndtw-3\charscal
ex100 0,000. \line \up0 \expndtw0\charscalex105 Karena nilai t\ul0\sub\cf8\f9\fs
24 hitung\ul0\nosupersub\cf2\f3\fs24 sebesar \up0 \expndtw0\charscalex106 4,257
> \line \up0 \expndtw0\charscalex103 nilai \ul0\nosupersub\cf14\f15\fs22 t\ul
0\sub\cf15\f16\fs21 tabel\ul0\nosupersub\cf2\f3\fs24
sebesar \up0 \expndtw0\c
harscalex100 1,985 dengan \line \up0 \expndtw0\charscalex103 tingkat signifika
nsi sebesar 0,000 < \line \up0 \expndtw0\charscalex102 0,05 maka Ho ditola
k dan Ha \line \up0 \expndtw-1\charscalex100 diterima. Dengan demikian hipot
esis \line \up0 \expndtw0\charscalex105 kedua diterima. Arah koefisien \li
ne \up0 \expndtw0\charscalex103 regresi positif berarti bahwa nilai\par\pard
\column \qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \
par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li20\ri1456\sb116\sl-551\sl
mult0 \up0 \expndtw0\charscalex100 nasabah memiliki pengaruh positif \up0 \ex
pndtw-2\charscalex100 dan signifikan terhadap kepuasan \up0 \expndtw-3\cha
rscalex100 nasabah\par\pard\ql \li90\ri1495\sb1\sl-552\slmult0\tx458\tx2178\tx28
99 \up0 \expndtw-1\charscalex100 c.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\
cf2\f3\fs24 Variabel Atribut Produk Islam \line\tab \up0 \expndtw-3\charscalex1
00 Ho : \u946?\ul0\sub\cf8\f9\fs24 1\ul0\nosupersub\cf2\f3\fs24 = 0 \tab \up0 \
expndtw-3\charscalex100 : \tab \up0 \expndtw-3\charscalex100 Atribut\par\pard\qj
\li448\ri1456\sb2\sl-551\slmult0\tx1453\tx2804 \up0 \expndtw0\charscalex101 pro
duk Islam tidak berpengaruh \line \up0 \expndtw-3\charscalex100 positif \tab \up
0 \expndtw-3\charscalex100 signifikan \tab \up0 \expndtw-3\charscalex100 terhada
p \up0 \expndtw-3\charscalex100 kepuasan nasabah.\par\pard\ql \li448\sb229\sl-27
6\slmult0\tx1869 \up0 \expndtw-3\charscalex100 Ha : \u946?\ul0\sub\cf8\f9\fs24 1
\ul0\nosupersub\cf2\f3\fs24 > 0\tab \up0 \expndtw0\charscalex102 : Atribut pr
oduk\par\pard\qj \li448\ri1455\sb48\sl-552\slmult0\tx1405\tx3024 \up0 \expndtw-4
\charscalex100 Islam\tab \up0 \expndtw-3\charscalex100 berpengaruh\tab \up0 \exp
ndtw-3\charscalex100 positif \line \up0 \expndtw0\charscalex102 signifikan ter
hadap kepuasan \line \up0 \expndtw-3\charscalex100 nasabah.\par\pard\qj \li20\
ri1455\sb0\sl-552\slmult0\fi720\tx1058 \up0 \expndtw0\charscalex103 Nilai t\ul
0\sub\cf8\f9\fs24 hitung\ul0\nosupersub\cf2\f3\fs24
pada variabel \line \up
0 \expndtw0\charscalex103 atribut produk Islam \up0 \expndtw0\charscalex102 (X
\ul0\sub\cf8\f9\fs24 3\ul0\nosupersub\cf2\f3\fs24 ) adalah \line \up0 \expndtw3\charscalex100 sebesar \tab \up0 \expndtw0\charscalex105 2,846
dengan
tin
gkat \line \up0 \expndtw-1\charscalex100 signifikansi 0,005. Karena nilai t\ul0\
sub\cf8\f9\fs24 hitung \line \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f
3\fs24 sebesar \up0 \expndtw-3\charscalex100 2,846 \up0 \expndtw0\charscalex105
> nilai \ul0\nosupersub\cf14\f15\fs22 t\ul0\sub\cf15\f16\fs21 tabel\ul0\nosuper
sub\cf2\f3\fs24 sebesar \line \up0 \expndtw-2\charscalex100 1,985 dengan t
ingkat signifikansi \line \up0 \expndtw-3\charscalex100 sebesar \up0 \expndtw3\charscalex100 0,005 \up0 \expndtw-3\charscalex100 < \up0 \expndtw-1\charscalex
100 0,05 maka Ho \line \up0 \expndtw0\charscalex104 ditolak dan Ha diteri
ma. Dengan \line \up0 \expndtw0\charscalex104 demikian hipotesis ketiga diterim
a. \line \up0 \expndtw0\charscalex100 Arah koefisien regresi positif berarti \li
ne \up0 \expndtw-2\charscalex100 bahwa atribut produk Islam memiliki \par\pard\s
ect\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg19}{\bkmkend
Pg19}\par\pard\sect\sectd\sbknone\cols2\colno1\colw5927\colsr110\colno2\colw572
3\colsr160\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2268\sb0\sl-551\slmult0
\par\pard\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2268\ri0\sb116\sl-551\s
lmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf2\f3\fs24 pengaruh posit
if dan signifikan \up0 \expndtw-3\charscalex100 terhadap kepuasan nasabah.\p
ar\pard\ql \li2268\sb234\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf1\f2\fs24 Uji F\par\pard\qj \li2268\ri0\sb43\sl-552\slmult0\fi720\tx3671
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Uji\tab \up0 \expndtw
0\charscalex112 F
pada
dasarnya \line \up0 \expndtw-1\charscalex100 menunj
ukkan apakah semua variabel\par\pard\column \qj \li2297\sb0\sl-551\slmult0 \par\
pard\qj \li2297\sb0\sl-551\slmult0 \par\pard\qj \li2297\sb0\sl-551\slmult0 \par\
pard\qj \li574\ri1456\sb116\sl-551\slmult0\tx2365\tx3586 \up0 \expndtw0\charscal
ex109 independen
atau
bebas
yang \line \up0 \expndtw-3\charscalex100 di
masukkan \tab \up0 \expndtw-3\charscalex100 dalam \tab \up0 \expndtw-3\charscale
x100 model\par\pard\qj \li574\ri1458\sb1\sl-552\slmult0\tx2204\tx3592 \up0 \expn
dtw-3\charscalex100 mempunyai\tab \up0 \expndtw-3\charscalex100 pengaruh\tab \up
0 \expndtw-3\charscalex100 secara \line \up0 \expndtw0\charscalex102 bersama-sam
a
terhadap
variabel \line \up0 \expndtw-3\charscalex100 dependen/terikat (
Ghozali, 2006).\par\pard\qj \li20\ri4502\sb124\sl-412\slmult0\fi175 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Tabel 4 \line \up0 \expndtw-3\char
scalex100 Hasil Uji F \par\pard\sect\sectd\sbknone \li2297\sb0\sl-207\slmult0\pa

r\pard\li2297\sb48\sl-207\slmult0\fi3509 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf10\f11\fs18 ANOVA\ul0\super\cf11\f12\fs18 b\par\pard\sect\sectd\sbknone
7\tx6836\tx8516\tx9414 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs
18 Model\tab \up0 \expndtw-2\charscalex100 Sum of Squares\tab \up0 \expndtw-2\ch
arscalex100 Df\tab \up0 \expndtw-2\charscalex100 Mean Square\tab \up0 \expndtw-2
\charscalex100 F\tab \up0 \expndtw-2\charscalex100 Sig.\par\pard\sect\sectd\sbkn
one \li2297\sb0\sl-207\slmult0\par\pard\li2297\sb6\sl-207\slmult0\fi0\tx3019\tx5
w-2\charscalex100 Regression\tab \up0 \expndtw-2\charscalex100 264.291\tab \up0
\expndtw-2\charscalex100 3\tab \up0 \expndtw-2\charscalex100 88.097\tab \up0 \ex
pndtw-2\charscalex100 44.347\tab \up0 \expndtw-2\charscalex100 .000\ul0\super\cf
16\f17\fs18 a\par\pard\sect\sectd\sbknone \li2297\sb0\sl-207\slmult0\par\pard\li
2297\sb6\sl-207\slmult0\fi722\tx5007\tx6457\tx7587 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf12\f13\fs18 Residual\tab \up0 \expndtw-2\charscalex100 190.70
9\tab \up0 \expndtw-2\charscalex100 96\tab \up0 \expndtw-2\charscalex100 1.987\p
ar\pard\sect\sectd\sbknone \li2297\sb0\sl-207\slmult0\par\pard\li2297\sb6\sl-207
\slmult0\fi722\tx5007\tx6457 \up0 \expndtw-2\charscalex100 Total\tab \up0 \expnd
tw-2\charscalex100 455.000\tab \up0 \expndtw-2\charscalex100 99\par\pard\sect\se
ctd\sbknone \li2297\sb184\sl-207\slmult0\fi0 \up0 \expndtw-2\charscalex100 a. Pr
edictors: (Constant), Atribut, Nilai, kualitas\par\pard\sect\sectd\sbknone \li22
97\sb172\sl-207\slmult0\fi0 \up0 \expndtw-2\charscalex100 b. Dependent Variable:
Kepuasan\par\pard\sect\sectd\sbknone \li2297\sb39\sl-276\slmult0\fi1000 \up0 \e
xpndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Sumber: Data primer diolah, 2
010\par\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\c
olsr160\ql \li2268\ri460\sb299\sl-513\slmult0\tx2335 \up0 \expndtw-3\charscalex1
00 Hipotesis yang diajukan, yaitu : \line\tab \up0 \expndtw-1\charscalex100 a.\u
l0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 H\ul0\nosupersub\cf8\f9\
fs16 0 \ul0\nosupersub\cf2\f3\fs24 : \u946?\ul0\sub\cf8\f9\fs24 1\ul0\nosupersub
\cf2\f3\fs24 =\u946?\ul0\sub\cf8\f9\fs24 2\ul0\nosupersub\cf2\f3\fs24 =\u946?\ul
0\sub\cf8\f9\fs24 3\ul0\nosupersub\cf2\f3\fs24 =0 berarti tidak ada\par\pard\qj
\li2695\ri460\sb7\sl-552\slmult0 \up0 \expndtw0\charscalex101 pengaruh yang si
gnifikan dari \up0 \expndtw0\charscalex103 kualitas layanan, nilai nasabah, \up
0 \expndtw0\charscalex107 dan
atribut
produk
Islam \up0 \expndtw-3\char
scalex100 terhadap kepuasan nasabah.\par\pard\ql \li2338\sb228\sl-276\slmult0 \u
p0 \expndtw0\charscalex105 b.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3
\fs24 Ha \up0 \expndtw0\charscalex108 : \u946?\ul0\sub\cf8\f9\fs24 1\ul0\nosu
persub\cf2\f3\fs24 ,\u946?\ul0\sub\cf8\f9\fs24 2\ul0\nosupersub\cf2\f3\fs24 ,\u9
46?\ul0\sub\cf8\f9\fs24 3\ul0\nosupersub\cf2\f3\fs24 ,>0 berarti ada\par\pard\
qj \li2695\ri460\sb48\sl-552\slmult0 \up0 \expndtw0\charscalex101 pengaruh yang
signifikan dari \line \up0 \expndtw0\charscalex103 kualitas layanan, nilai na
sabah,\par\pard\column \qj \li448\ri1456\sb264\sl-552\slmult0 \up0 \expndtw0\cha
rscalex107 dan
atribut
produk
Islam \up0 \expndtw-3\charscalex100 terha
dap kepuasan nasabah\par\pard\qj \li20\ri1455\sb0\sl-552\slmult0\fi720 \up0 \exp
ndtw0\charscalex104 Berdasarkan uji F, maka \line \up0 \expndtw0\charscale
x105 dapat diperoleh F hitung sebesar\par\pard\qj \li20\ri1455\sb1\sl-551\sl
mult0\tx1650\tx2858 \up0 \expndtw0\charscalex100 44.347 dengan tingkat signif
ikansi \line \up0 \expndtw0\charscalex100 0,000. Oleh karena probabilitas jauh \
line \up0 \expndtw-1\charscalex100 lebih kecil daripada 0,05 maka dapat \line \u
p0 \expndtw-3\charscalex100 dinyatakan \tab \up0 \expndtw-3\charscalex100 bahwa
\tab \up0 \expndtw-3\charscalex100 variabel \line \up0 \expndtw0\charscalex101 i
ndependen yang meliputi kualitas \line \up0 \expndtw-1\charscalex100 layanan
(X\ul0\sub\cf8\f9\fs24 1\ul0\nosupersub\cf2\f3\fs24 ), nilai nasabah\ul0\nosuper
sub\cf3\f4\fs24 \ul0\nosupersub\cf2\f3\fs24 (X\ul0\sub\cf8\f9\fs24 2\ul0\nosupe
rsub\cf2\f3\fs24 ), dan

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}

8}}
}}
8}}
}}
8}}
}}
8}}
}}
}}

8}}
}}
8}}
}}
}}
8}}
}}
8}}
}}

}}
}}
8}}
}}
8}}
}}
}}

}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}
}}
}}
8}}
}}
}}

8}}
}}
8}}
}}
}}
}}
}}
8}}

}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}
l-551\slmult0 \par\pard\qj \li2268\sb0\sl-551\slmult0 \par\pard\qj \li2268\ri80\
sb116\sl-551\slmult0\tx3590\tx4494 \up0 \expndtw0\charscalex104 \ul0\nosupersub\
cf2\f3\fs24 atribut produk Islam \up0 \expndtw0\charscalex103 (X\ul0\sub\cf8\
f9\fs24 3\ul0\nosupersub\cf2\f3\fs24 ) secara \line \up0 \expndtw-3\charscalex1
00 simultan \tab \up0 \expndtw-3\charscalex100 atau \tab \up0 \expndtw-3\charsca
lex100 bersama-sama \up0 \expndtw0\charscalex101 mempengaruhi variabel kepua
san \up0 \expndtw-3\charscalex100 nasabah (Y) secara signifikan.\par\pard\ql \li
2268\sb0\sl-276\slmult0 \par\pard\ql \li2268\sb35\sl-276\slmult0 \up0 \expndtw-3
\charscalex100 \ul0\nosupersub\cf1\f2\fs24 Koefisien Determinasi (R\ul0\super\cf
18\f19\fs22\ul0\super\cf18\f19\fs21 2\ul0\nosupersub\cf1\f2\fs24 )\par\pard\ql
\li2988\sb0\sl-276\slmult0 \par\pard\ql \li2988\sb73\sl-276\slmult0 \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Koefisien determinasi \up0 \expn
dtw-3\charscalex100 (R\ul0\super\cf18\f19\fs22\ul0\super\cf18\f19\fs21 2\ul0\no
supersub\cf2\f3\fs24 )\par\pard\ql \li2268\sb273\sl-276\slmult0 \up0 \expndtw-2
\charscalex100 pada intinya mengukur seberapa jauh\par\pard\column \ql \li6591\s
b0\sl-276\slmult0 \par\pard\ql \li6591\sb0\sl-276\slmult0 \par\pard\ql \li6591\s
b0\sl-276\slmult0 \par\pard\ql \li399\sb64\sl-276\slmult0\tx2202\tx3430 \up0 \ex
pndtw-3\charscalex100 kemampuan\tab \up0 \expndtw-3\charscalex100 model\tab \up0
\expndtw-3\charscalex100 dalam\par\pard\ql \li399\sb276\sl-276\slmult0\tx2148\t
x3244 \up0 \expndtw-3\charscalex100 menerangkan\tab \up0 \expndtw-3\charscalex10
0 variasi\tab \up0 \expndtw-3\charscalex100 variabel\par\pard\qj \li399\ri1455\s
b48\sl-552\slmult0\tx2020\tx3140 \up0 \expndtw-3\charscalex100 dependen.\tab \up
0 \expndtw-3\charscalex100 Nilai\tab \up0 \expndtw-3\charscalex100 koefisien \up
0 \expndtw0\charscalex100 determinasi adalah antara \up0 \expndtw0\charscalex1
02 nol dan \up0 \expndtw-3\charscalex100 satu (Ghozali, 2006).\par\pard\ql \li6
212\sb0\sl-276\slmult0 \par\pard\ql \li6212\sb0\sl-276\slmult0 \par\pard\ql \li6
212\sb0\sl-276\slmult0 \par\pard\ql \li6212\sb0\sl-276\slmult0 \par\pard\ql \li6
212\sb0\sl-276\slmult0 \par\pard\ql \li20\sb111\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf1\f2\fs24 Tabel 5 \par\pard\sect\sectd\sbknone \q
l \li5460\sb136\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Koefisien Determina
si \par\pard\ql \li5504\sb0\sl-195\slmult0 \par\pard\ql\li5504\sb0\sl-195\slmult
0 \par\pard\ql\li5504\sb81\sl-195\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf10\f11\fs18 Model Summary\ul0\super\cf11\f12\fs18 b \par\pard\li3432\s
b0\sl-207\slmult0\par\pard\li3432\sb21\sl-207\slmult0\fi3036\tx7715 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf12\f13\fs18 Adjusted R\tab \up0 \expndtw-2\c
harscalex100 Std. Error of the\par\pard\li3432\sb113\sl-207\slmult0\fi0\tx4560\t
x5276\tx6620\tx8000 \up0 \expndtw-2\charscalex100 Model\tab \up0 \expndtw-2\char
scalex100 R\tab \up0 \expndtw-2\charscalex100 R Square\tab \up0 \expndtw-2\chars
calex100 Square\tab \up0 \expndtw-2\charscalex100 Estimate\par\pard\li3432\sb0\s
l-207\slmult0\par\pard\li3432\sb6\sl-207\slmult0\fi0\tx4678\tx5808\tx7251\tx8591
\up0 \expndtw-2\charscalex100 1\tab \up0 \expndtw-2\charscalex100 .762\ul0\supe
r\cf16\f17\fs18 a\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf12\f13\fs1
8 .581\tab \up0 \expndtw-2\charscalex100 .568\tab \up0 \expndtw-2\charscalex100
1.409\par\pard\li3432\sb182\sl-207\slmult0\fi0 \up0 \expndtw-2\charscalex100 a.
Predictors: (Constant), Atribut, Nilai, kualitas\par\pard\li3432\sb174\sl-207\sl
mult0\fi0 \up0 \expndtw-2\charscalex100 b. Dependent Variable: Kepuasan\par\pard
\li3432\sb36\sl-276\slmult0\fi0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
2\f3\fs24 Sumber: Data primer diolah, 2010\par\pard\sect\sectd\sbknone\cols2\col
no1\colw6431\colsr160\colno2\colw5169\colsr160\qj \li2268\ri459\sb267\sl-552\slm
ult0\fi720\tx3650 \up0 \expndtw0\charscalex102 Berdasarkan tabel di atas \
up0 \expndtw0\charscalex101 dapat diketahui bahwa koefisien \line \up0 \ex
pndtw-3\charscalex100 determinasi \tab \up0 \expndtw0\charscalex107 (\ul0\nosupe
rsub\cf3\f4\fs24 adjusted R\ul0\super\cf19\f20\fs24 2\ul0\nosupersub\cf2\f3\fs
24 ) yang \up0 \expndtw-2\charscalex100 diperoleh sebesar \up0 \expndtw0\cha
rscalex100 0,568. Hal ini\par\pard\qj \li2268\ri459\sb0\sl-552\slmult0\tx316
5 \up0 \expndtw-3\charscalex100 berarti\tab \up0 \expndtw0\charscalex105 56,8%
variasi kepuasan \up0 \expndtw-1\charscalex100 nasabah dapat dijelaskan oleh

variasi \up0 \expndtw-1\charscalex100 dari ketiga variabel kualitas layanan, \up
0 \expndtw0\charscalex104 nilai nasabah, dan atribut produk \up0 \expndtw-3\
charscalex100 Islam. Sedangkan sisanya yaitu\par\pard\column \qj \li20\ri1456\sb
267\sl-552\slmult0 \up0 \expndtw0\charscalex101 43,2% dipengaruhi oleh \up0
\expndtw-3\charscalex100 variabel-\line \up0 \expndtw0\charscalex107 variabel la
innya yang tidak diteliti \up0 \expndtw-3\charscalex100 dalam penelitian ini.\pa
r\pard\ql \li20\sb233\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf1\f2\fs24 KESIMPULAN DAN SARAN\par\pard\qj \li20\ri1457\sb43\sl-552\slmult0
\fi720\tx2691 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Berdasar
kan\tab \up0 \expndtw-3\charscalex100 penelitian \line \up0 \expndtw0\charscalex
100 tentang pengaruh kualitas layanan, \line \up0 \expndtw0\charscalex103 nil
ai nasabah, dan atribut produk \line \up0 \expndtw-2\charscalex100 Islam t
erhadap kepuasan nasabah \line \up0 \expndtw-3\charscalex100 BNI Syariah cab
ang Semarang, maka
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
}}
8}}
}}
8}}
}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}
}}
}}
8}}
}}
8}}
}}

}}
}}
8}}
}}
8}}
}}
}}

}}
8}}
}}
8}}
}}
}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
}}
8}}
}}
8}}
}}
8}}

}}
8}}
}}
8}}
\sb116\sl-551\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf2\f3\fs24 d
apat diperoleh kesimpulan sebagai \up0 \expndtw-3\charscalex100 berikut.\par\par
d\ql \li2318\sb229\sl-276\slmult0\tx2690\tx5463 \up0 \expndtw-3\charscalex100 1.
\tab \up0 \expndtw0\charscalex103 Variabel nilai nasabah\tab \up0 \expndtw-3
\charscalex100 (X\ul0\sub\cf8\f9\fs24 2\ul0\nosupersub\cf2\f3\fs24 )\par\pard\qj
\li2695\ri511\sb48\sl-552\slmult0\tx4401\tx5530 \up0 \expndtw-3\charscalex100 b
erpengaruh\tab \up0 \expndtw-3\charscalex100 positif\tab \up0 \expndtw-3\charsca
lex100 dan \line \up0 \expndtw0\charscalex102 signifikan terhadap kepuasan \
line \up0 \expndtw0\charscalex107 nasabah (Y) BNI Syariah. Hal \line \up0 \expnd
tw0\charscalex108 ini berdasarkan pada hasil \line \up0 \expndtw0\charscal
ex105 pengujian
statistik
t
yang \line \up0 \expndtw-1\charscalex100 me
nunjukan tingkat signifikan, \line \up0 \expndtw0\charscalex104 dimana proba
bilitas variabel \line \up0 \expndtw-3\charscalex100 sebesar \up0 \expndtw0\ch
arscalex102 0,000 lebih kecil dari \line \up0 \expndtw-1\charscalex100 tingka
t signifikan yaitu \up0 \expndtw-3\charscalex100 0,05. \line \up0 \expndtw0\
charscalex104 Hasil analisis regresi linear \line \up0 \expndtw0\charscale
x101 berganda menunjukkan bahwa\par\pard\qj \li2695\ri510\sb0\sl-552\slmult0\t
x4067\tx5104 \up0 \expndtw-3\charscalex100 variabel\tab \up0 \expndtw-3\charscal
ex100 nilai\tab \up0 \expndtw-3\charscalex100 nasabah \line \up0 \expndtw0\chars
calex101 memberikan pengaruh paling \line \up0 \expndtw-3\charscalex100 besa
r terhadap kepuasan nasabah \line \up0 \expndtw-1\charscalex100 dengan koefisien
regresi sebesar \line \up0 \expndtw-3\charscalex100 0,385.\par\pard\ql \li2318\
sb228\sl-276\slmult0\tx2690 \up0 \expndtw-3\charscalex100 2.\tab \up0 \expndtw-1
\charscalex100 Variabel kualitas layanan \up0 \expndtw-2\charscalex100 (X\ul0
\sub\cf8\f9\fs24 1\ul0\nosupersub\cf2\f3\fs24 )\par\pard\ql \li2695\sb276\sl-276
\slmult0\tx4401\tx5530 \up0 \expndtw-3\charscalex100 berpengaruh\tab \up0 \expnd
tw-3\charscalex100 positif\tab \up0 \expndtw-3\charscalex100 dan\par\pard\qj \li
2695\ri513\sb48\sl-552\slmult0 \up0 \expndtw0\charscalex102 signifikan terhada
p kepuasan \line \up0 \expndtw0\charscalex107 nasabah (Y) BNI Syariah. Hal\par
\pard\column \qj \li6642\sb0\sl-552\slmult0 \par\pard\qj \li6642\sb0\sl-552\slmu
lt0 \par\pard\qj \li6642\sb0\sl-552\slmult0 \par\pard\qj \li397\ri1455\sb112\sl552\slmult0\tx1625\tx2834 \up0 \expndtw0\charscalex108 ini berdasarkan pada
hasil \line \up0 \expndtw0\charscalex105 pengujian
statistik
t
yang \
line \up0 \expndtw-1\charscalex100 menunjukan tingkat signifikan, \line \up0 \
expndtw0\charscalex104 dimana probabilitas variabel \line \up0 \expndtw-3\ch
arscalex100 sebesar \up0 \expndtw0\charscalex102 0,005 lebih kecil dari \line
\up0 \expndtw-1\charscalex100 tingkat signifikan yaitu \up0 \expndtw-3\char
scalex100 0,05. \line \up0 \expndtw0\charscalex104 Hasil analisis regresi
linear \line \up0 \expndtw0\charscalex101 berganda menunjukkan bahwa \line \up
0 \expndtw-3\charscalex100 variabel \tab \up0 \expndtw-3\charscalex100 kualitas
\tab \up0 \expndtw-3\charscalex100 layanan \line \up0 \expndtw0\charscalex102 me
mberikan pengaruh terhadap\par\pard\ql \li20\ri1454\sb0\sl-552\slmult0\fi376\tx1
707\tx2898\tx407 \up0 \expndtw-3\charscalex100 kepuasan\tab \up0 \expndtw-3\char
scalex100 nasabah\tab \up0 \expndtw-3\charscalex100 dengan \line\tab \up0 \expnd
tw-3\charscalex100 koefisien regresi sebesar 0,273 \line \up0 \expndtw-3\charsca
lex100 3. \up0 \expndtw0\charscalex102 Variabel atribut produk Islam\par\pard
\qj \li397\ri1455\sb0\sl-552\slmult0 \up0 \expndtw-1\charscalex100 (X\ul0\sub\cf
8\f9\fs24 3\ul0\nosupersub\cf2\f3\fs24 ) berpengaruh positif dan \line \up
0 \expndtw0\charscalex102 signifikan terhadap kepuasan \line \up0 \expndtw0\
charscalex107 nasabah (Y) BNI Syariah. Hal \line \up0 \expndtw0\charscalex108 in
i berdasarkan pada hasil \line \up0 \expndtw0\charscalex105 pengujian
s
tatistik
t
yang \line \up0 \expndtw-1\charscalex100 menunjukan tingkat s
ignifikan, \line \up0 \expndtw0\charscalex104 dimana probabilitas variabel \
line \up0 \expndtw-3\charscalex100 sebesar \up0 \expndtw0\charscalex102 0,005 l
ebih kecil dari \line \up0 \expndtw-1\charscalex100 tingkat signifikan yai
tu \up0 \expndtw-3\charscalex100 0,05. \line \up0 \expndtw0\charscalex104 Hasil
analisis regresi linear \par\pard\sect\sectd\fs24\paperw11900\paperh16820\
pard\sb0\sl-240{\bkmkstart Pg22}{\bkmkend Pg22}\par\pard\sect\sectd\sbknone\cols
2\colno1\colw6431\colsr160\colno2\colw5169\colsr160\ql \li2318\sb0\sl-552\slmult
0 \par\pard\ql \li2318\sb0\sl-552\slmult0 \par\pard\ql \li2318\sb0\sl-552\slmult
0 \par\pard\ql \li2318\ri459\sb112\sl-552\slmult0\fi376\tx2695\tx2695\tx2695\tx3
988\tx5180\tx2695 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf2\f3\fs24 berga
nda menunjukkan bahwa \line\tab \up0 \expndtw0\charscalex104 variabel atribut
produk Islam \line \tab \up0 \expndtw0\charscalex102 memberikan pengaruh terh
adap \line \tab \up0 \expndtw-3\charscalex100 kepuasan \tab \up0 \expndtw-3\char
scalex100 nasabah \tab \up0 \expndtw-3\charscalex100 dengan \line \tab \up0 \exp
ndtw-3\charscalex100 koefisien regresi sebesar 0,234. \line \up0 \expndtw-3\char
scalex100 4. \up0 \expndtw0\charscalex103 Ketiga
variabel
independen\par\p
ard\qj \li2695\ri461\sb0\sl-552\slmult0\tx3951\tx5177 \up0 \expndtw0\charscalex1
10 dalam penelitian ini yaitu \line \up0 \expndtw0\charscalex103 kualitas
layanan, nilai nasabah, \line \up0 \expndtw0\charscalex102 dan atribut produk Is
lam secara \line \up0 \expndtw0\charscalex105 bersama-sama atau simultan \li
ne \up0 \expndtw0\charscalex102 berpengaruh terhadap kepuasan \line \up0 \expndt
w0\charscalex103 nasabah dengan nilai uji F \line \up0 \expndtw-3\charsc
alex100 sebesar \tab \up0 \expndtw-3\charscalex100 44,347 \tab \up0 \expndtw-3\c
harscalex100 dengan \line \up0 \expndtw-3\charscalex100 signifikansi 0,000.\par\
pard\ql \li2318\sb228\sl-276\slmult0\tx2690 \up0 \expndtw-3\charscalex100 5.\tab
\up0 \expndtw0\charscalex105 Hasil uji koefisien determinasi\par\pard\ql \li269
5\sb276\sl-276\slmult0 \up0 \expndtw-2\charscalex100 menunjukkan bahwa varia
bel-\par\pard\qj \li2695\ri460\sb49\sl-552\slmult0\tx3883\tx5416 \up0 \expndtw-3
\charscalex100 variabel\tab \up0 \expndtw-3\charscalex100 independen\tab \up0 \e
xpndtw-4\charscalex100 yang \line \up0 \expndtw0\charscalex102 diajukan yaitu ku
alitas layanan, \line \up0 \expndtw-2\charscalex100 nilai nasabah, dan atribut p
roduk \line \up0 \expndtw-3\charscalex100 Islam mampu untuk menjelaskan \line \u
p0 \expndtw0\charscalex101 variasi dari variabel dependen \line \up0 \expndtw
-1\charscalex100 kepuasan nasabah \up0 \expndtw0\charscalex100 (Y) sebesar \li
ne \up0 \expndtw0\charscalex100 56,8%. Sedangkan sisanya yaitu\par\pard\column \
qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li6591\sb0\sl-551\slmult0 \par\pard\
qj \li6591\sb0\sl-551\slmult0 \par\pard\qj \li448\ri1454\sb116\sl-551\slmult0 \u
p0 \expndtw-3\charscalex100 sebesar \up0 \expndtw0\charscalex101 43,2% dijelas
kan oleh \line \up0 \expndtw0\charscalex108 variabel lain di luar penelitian \l

ine \up0 \expndtw-3\charscalex100 ini.\par\pard\qj \li20\ri1455\sb1\sl-552\slmul
t0\fi720\tx1369\tx2913 \up0 \expndtw0\charscalex103 Saran yang diajukan sebagai
\line \up0 \expndtw0\charscalex103 pelengkap terhadap hasil penelitian \line \up
0 \expndtw0\charscalex104 yang didapat dari analisis indeks \line \up0 \expn
dtw-3\charscalex100 jawaban \tab \up0 \expndtw-3\charscalex100 responden \tab \u
p0 \expndtw-3\charscalex100 melalui \line \up0 \expndtw0\charscalex100 pertanyaa
n terbuka yaitu sebagai \line \up0 \expndtw-3\charscalex100 berikut :\par\
pard\qj \li88\ri1456\sb0\sl-552\slmult0\tx458 \up0 \expndtw0\charscalex106 1.\ul
0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Berdasarkan hasil pen
elitian \line\tab \up0 \expndtw0\charscalex101 didapatkan bahwa variabel nilai\p
ar\pard\qj \li448\ri1456\sb1\sl-552\slmult0\tx1710\tx2645 \up0 \expndtw-2\charsc
alex100 nasabah mempunyai nilai indeks \line \up0 \expndtw-3\charscalex100 sebes
ar \up0 \expndtw0\charscalex104 80,15 yang merupakan \line \up0 \expndtw-1\chars
calex100 tingkatan tinggi dimana persepsi \line \up0 \expndtw-3\charscalex100 se
bagian \tab \up0 \expndtw-3\charscalex100 besar \tab \up0 \expndtw-3\charscalex1
00 responden \line \up0 \expndtw0\charscalex104 menilai bahwa nasabah merasa \li
ne \up0 \expndtw0\charscalex103 senang dan bangga menjadi\par\pard\ql \li4
48\sb228\sl-276\slmult0\tx1830\tx2847 \up0 \expndtw-3\charscalex100 nasabah\tab
\up0 \expndtw-4\charscalex100 BNI\tab \up0 \expndtw-3\charscalex100 Syariah,\par
\pard\qj \li448\ri1455\sb48\sl-552\slmult0\tx2072\tx3267 \up0 \expndtw-3\charsca
lex100 memperoleh\tab \up0 \expndtw-3\charscalex100 manfaat\tab \up0 \expndtw-3\
charscalex100 dari \line \up0 \expndtw0\charscalex101 produk-produk simpanan
dan\par\pard\ql \li448\sb228\sl-276\slmult0\tx2167\tx3117 \up0 \expndtw-3\chars
calex100 pembiayaan,\tab \up0 \expndtw-3\charscalex100 serta\tab \up0 \expndtw-3
\charscalex100 biaya\par\pard\qj \li448\ri1455\sb48\sl-552\slmult0\tx1835\tx2828
\up0 \expndtw-3\charscalex100 transaksi\tab \up0 \expndtw-4\charscalex100 yang\
tab \up0 \expndtw-3\charscalex100 bersaing \line \up0 \expndtw0\charscalex102 di
bandingkan
bank
lainnya. \par\pard\sect\sectd\fs24\paperw11900\paperh16820
\pard\sb0\sl-240{\bkmkstart Pg23}{\bkmkend Pg23}\par\pard\sect\sectd\sbknone\col
s2\colno1\colw6909\colsr110\colno2\colw4741\colsr160\qj \li2695\sb0\sl-552\slmul
t0 \par\pard\qj \li2695\ri888\sb112\sl-552\slmult0\tx3849\tx5350 \up0 \expndtw0\
charscalex108 \ul0\nosupersub\cf2\f3\fs24 Untuk
meningkatkan
nilai \line \
up0 \expndtw0\charscalex101 nasabah BNI Syariah terdapat \line \up0 \expndtw0
\charscalex103 berbagai saran, antara lain BNI \line \up0 \expndtw-4\charscalex1
00 Syariah \tab \up0 \expndtw-3\charscalex100 diharapkan \tab \up0 \expndtw-3\ch
arscalex100 dapat \line \up0 \expndtw-1\charscalex100 menjaga biaya yang dikelua
rkan\par\pard\qj \li2695\ri0\sb1\sl-552\slmult0\tx6654 \up0 \expndtw0\charscalex
103 nasabah agar tetap kompetitif\tab \up0 \expndtw-3\charscalex100 2. \up0 \
expndtw0\charscalex102 dibandingkan
bank
lainnya,\par\pard\ql \li2695\sb22
8\sl-276\slmult0 \up0 \expndtw-3\charscalex100 seperti dengan akad wadiah yang\p
ar\pard\qj \li2695\ri888\sb48\sl-552\slmult0\tx3710\tx4703 \up0 \expndtw-3\chars
calex100 bebas\tab \up0 \expndtw-3\charscalex100 biaya\tab \up0 \expndtw-3\chars
calex100 administrasi \line \up0 \expndtw0\charscalex102 bulanan,
menurunkan
biaya \line \up0 \expndtw-1\charscalex100 administrasi bulanan untuk akad \li
ne \up0 \expndtw0\charscalex105 yang lainnya, dan menurunkan \line \up0 \expndtw
-1\charscalex100 biaya transaksi. BNI Syariah \line \up0 \expndtw0\charsca
lex103 juga harus dapat berinovasi \line \up0 \expndtw0\charscalex105 deng
an menciptakan produk \line \up0 \expndtw0\charscalex100 simpanan maupun p
embiayaan \line \up0 \expndtw0\charscalex106 yang sesuai dengan kebutuhan\par\pa
rd\ql \li2695\sb228\sl-276\slmult0\tx3981\tx5358 \up0 \expndtw-3\charscalex100 n
asabah\tab \up0 \expndtw-3\charscalex100 sehingga\tab \up0 \expndtw-3\charscalex
100 dapat\par\pard\qj \li2695\ri888\sb48\sl-552\slmult0\tx3974 \up0 \expndtw-3\c
harscalex100 dirasakan\tab \up0 \expndtw0\charscalex104 manfaatnya
oleh \line
\up0 \expndtw0\charscalex103 nasabah. Meningkatkan citra \line \up0 \expndt
w0\charscalex100 sebagai salah satu bank nasional \line \up0 \expndtw0\charscale
x102 terkemuka dengan pelayanan \line \up0 \expndtw0\charscalex102 yang baik
menjadi nilai tambah\par\pard\column \qj \li7019\sb0\sl-552\slmult0 \par\pard\q
j \li7019\sb0\sl-552\slmult0 \par\pard\qj \li7019\sb0\sl-552\slmult0 \par\pard\q
j \li20\ri1456\sb112\sl-552\slmult0\tx1447\tx2378 \up0 \expndtw-3\charscalex100

tersendiri\tab \up0 \expndtw-3\charscalex100 bagi\tab \up0 \expndtw-3\charscalex
100 nasabah. \up0 \expndtw-1\charscalex100 Disamping itu juga BNI Syariah \up0 \
expndtw0\charscalex100 sebagai bank dengan konsep \up0 \expndtw0\charscale
x100 syariah menjadi pilihan nasabah \up0 \expndtw-3\charscalex100 yang beragama
Islam.\par\pard\qj \li20\ri1453\sb1\sl-552\slmult0\tx1313\tx2378 \up0 \expndtw0
\charscalex105 Berdasarkan hasil penelitian \line \up0 \expndtw0\charscalex1
06 didapatkan
bahwa
variabel \line \up0 \expndtw0\charscalex104 kualitas
layanan mempunyai \line \up0 \expndtw0\charscalex105 nilai indeks sebesar \up
0 \expndtw0\charscalex105 82,8 yang \line \up0 \expndtw0\charscalex105 merupakan
tingkatan tinggi. \line \up0 \expndtw0\charscalex100 Pada umumnya nasabah m
enilai \line \up0 \expndtw0\charscalex108 BNI Syariah sebagai bank \line \
up0 \expndtw0\charscalex101 dengan konsep syariah yang \line \up0 \expndtw
0\charscalex104 melakukan pelayanan secara \line \up0 \expndtw0\charscalex10
1 profesional, seperti kemampuan \line \up0 \expndtw0\charscalex102 layanan se
suai dengan yang \line \up0 \expndtw0\charscalex101 dijanjikan, tanggap me
nangani \line \up0 \expndtw-2\charscalex100 kebutuhan nasabah, memberikan \line
\up0 \expndtw0\charscalex105 jaminan dan keamanan kepada \line \up0 \expndtw-3\c
harscalex100 nasabah, \tab \up0 \expndtw-3\charscalex100 peduli \tab \up0 \expnd
tw-3\charscalex100 terhadap \line \up0 \expndtw0\charscalex104 kebutuhan nasabah
, dan sarana \line \up0 \expndtw0\charscalex103 fasilitas pendukung yang baik.
\line \up0 \expndtw0\charscalex101 Namun, terdapat beberapa hal \par\pard\sec
t\sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg24}{\bkmkend P
g24}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6499\colsr160\colno2\colw5101\
colsr160\qj \li2695\sb0\sl-552\slmult0 \par\pard\qj \li2695\sb0\sl-552\slmult0 \
par\pard\qj \li2695\sb0\sl-552\slmult0 \par\pard\qj \li2695\ri527\sb112\sl-552\s
lmult0\tx3696\tx5245 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf2\f3\fs24 ya
ng perlu menjadi perhatian, \line \up0 \expndtw0\charscalex105 yaitu waktu an
trian\ul0\nosupersub\cf3\f4\fs24 teller \ul0\nosupersub\cf2\f3\fs24 yang \line
\up0 \expndtw0\charscalex102 lebih lama pada awal bulan dan \line \up0 \expndtw3\charscalex100 pelayanan \ul0\nosupersub\cf3\f4\fs24 customer service\ul0\nosup
ersub\cf2\f3\fs24 yang \line \up0 \expndtw0\charscalex102 membutuhkan
waktu
cukup \line \up0 \expndtw-2\charscalex100 lama. Oleh karena itu disarankan \l
ine \up0 \expndtw-3\charscalex100 agar \tab \up0 \expndtw-3\charscalex100 dilaku
kan \tab \up0 \expndtw-3\charscalex100 adalah \line \up0 \expndtw0\charscalex102
penambahan loket, baik \ul0\nosupersub\cf3\f4\fs24 teller \line \up0 \expndt
w0\charscalex101 \ul0\nosupersub\cf2\f3\fs24 maupun \ul0\nosupersub\cf3\f4\fs24
customer service\ul0\nosupersub\cf2\f3\fs24 untuk \line \up0 \expndtw0\charscal
ex105 mengurangi
waktu
antrian. \line \up0 \expndtw0\charscalex103 Nasabah
juga kesulitan untuk \line \up0 \expndtw0\charscalex102 menghubungi \ul0\nos
upersub\cf3\f4\fs24 call center\ul0\nosupersub\cf2\f3\fs24 ketika\par\pard\qj \
li2695\ri528\sb0\sl-552\slmult0\tx3395\tx4182 \up0 \expndtw-3\charscalex100 hari
\tab \up0 \expndtw-3\charscalex100 libur\tab \up0 \expndtw0\charscalex103 padaha
l
sangat \line \up0 \expndtw0\charscalex101 membutuhkan layanan dengan \lin
e \up0 \expndtw0\charscalex101 segera. Untuk itu perlu ada \line \up0 \e
xpndtw-3\charscalex100 peningkatan layanan melalui \ul0\nosupersub\cf3\f4\fs24 c
all \line \up0 \expndtw0\charscalex104 center \ul0\nosupersub\cf2\f3\fs24 untu
k lebih tanggap. \line \up0 \expndtw0\charscalex105 Tingginya
kualitas
layanan \line \up0 \expndtw-1\charscalex100 merupakan diferensiasi penting \l
ine \up0 \expndtw0\charscalex102 bagi BNI Syariah karena hal ini\par\pard\qj \li
2695\ri530\sb0\sl-551\slmult0\tx4969 \up0 \expndtw-3\charscalex100 menyebabkan\t
ab \up0 \expndtw-3\charscalex100 tingginya \up0 \expndtw-3\charscalex100 kepuasa
n terhadap nasabah\par\pard\column \ql \li6659\sb0\sl-276\slmult0 \par\pard\ql \
li6659\sb0\sl-276\slmult0 \par\pard\ql \li6659\sb0\sl-276\slmult0 \par\pard\ql \
li20\sb64\sl-276\slmult0\tx385 \up0 \expndtw-3\charscalex100 3.\tab \up0 \expndt
w0\charscalex105 Berdasarkan hasil penelitian\par\pard\ql \li380\sb276\sl-27
6\slmult0 \up0 \expndtw0\charscalex106 didapatkan
bahwa
variabel\par\pard\
qj \li380\ri1454\sb48\sl-552\slmult0\tx1668\tx2753 \up0 \expndtw-2\charscalex100
atribut produk Islam mempunyai \line \up0 \expndtw0\charscalex103 nilai indeks

sebesar \up0 \expndtw0\charscalex104 83 yang \line \up0 \expndtw0\charscalex1
03 merupakan
tingkatan
tinggi \line \up0 \expndtw0\charscalex103 dimana pe
rsepsi sebagian besar \line \up0 \expndtw-1\charscalex100 nasabah sangat mempe
rhatikan \line \up0 \expndtw0\charscalex100 atribut khas yang ada pada bank \lin
e \up0 \expndtw0\charscalex106 syariah, seperti bebas riba, \line \up0 \ex
pndtw0\charscalex106 prinsip bagi hasil, bebas unsur \line \up0 \expndtw0\charsc
alex105 ketidakpastian, bebas judi, dan \line \up0 \expndtw0\charscalex106 untuk
investasi halal. Oleh \line \up0 \expndtw-1\charscalex100 karena itu
saran yang dapat \line \up0 \expndtw0\charscalex107 dilakukan antara lai
n, BNI \line \up0 \expndtw-3\charscalex100 Syariah \tab \up0 \expndtw-3\charsc
alex100 harus \tab \up0 \expndtw-3\charscalex100 menjaga\par\pard\qj \li380\ri14
54\sb0\sl-552\slmult0\tx1851\tx2987 \up0 \expndtw-3\charscalex100 kemurnian\tab
\up0 \expndtw-3\charscalex100 syariah\tab \up0 \expndtw-3\charscalex100 dalam \l
ine \up0 \expndtw0\charscalex101 menawarkan produk simpanan \line \up0 \expndt
w0\charscalex100 dan pembiayaan yang dalam hal\par\pard\qj \li380\ri1455\sb0\sl552\slmult0\tx946 \up0 \expndtw-3\charscalex100 ini\tab \up0 \expndtw0\charscale
x108 sudah terdapat Dewan \line \up0 \expndtw0\charscalex109 Pengawas Syar
iah di BNI \line \up0 \expndtw0\charscalex102 Syariah yang tugasnya adala
h \line \up0 \expndtw0\charscalex103 mengawasi operasional bank \line \up0 \
expndtw-1\charscalex100 sehari-hari agar selalu sesuai \par\pard\sect\sect
d\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg25}{\bkmkend Pg25}\p
ar\pard\sect\sectd\sbknone\cols2\colno1\colw6431\colsr160\colno2\colw5169\colsr1
60\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2268\sb0\sl-552\slmult0 \par\pa
rd\qj \li2268\sb0\sl-552\slmult0 \par\pard\qj \li2695\ri459\sb112\sl-552\slmult0
\tx3616 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf2\f3\fs24 dengan ketentu
an syariah. Untuk \line \up0 \expndtw-2\charscalex100 itu perlu diberikan inform
asi dan \line \up0 \expndtw0\charscalex103 pemberitahuan yang lebih jelas \line
\up0 \expndtw0\charscalex107 kepada nasabah agar tidak \line \up0 \expndtw
-3\charscalex100 terjadi \tab \up0 \expndtw0\charscalex101 kesalahpahaman
dan
\line \up0 \expndtw0\charscalex103 kekhawatiran karena masih ada \line \up0 \ex
pndtw0\charscalex101 anggapan bahwa BNI Syariah \line \up0 \expndtw0\charscal
ex105 tidak berbeda dengan bank \line \up0 \expndtw0\charscalex101 konvens
ional pada umumnya \line \up0 \expndtw0\charscalex110 dan hanya diberika
n label \line \up0 \expndtw-3\charscalex100 syariah.\par\pard\qj \li2268\ri461
\sb2\sl-551\slmult0\fi720\tx5010 \up0 \expndtw-3\charscalex100 Terdapat\tab \up0
\expndtw-3\charscalex100 beberapa \line \up0 \expndtw-1\charscalex100 keterbata
san dalam penelitian ini \line \up0 \expndtw0\charscalex102 yang menjadi
bahan koreksi serta\par\pard\qj \li2268\ri461\sb1\sl-552\slmult0\tx3434\tx532
9 \up0 \expndtw-3\charscalex100 bahan\tab \up0 \expndtw-3\charscalex100 pembelaj
aran\tab \up0 \expndtw-3\charscalex100 untuk \line \up0 \expndtw0\charscalex103
melakukan
penelitian
di
masa \line \up0 \expndtw-3\charscalex100 mendat
ang.\par\pard\ql \li2268\sb228\sl-276\slmult0\tx2829 \up0 \expndtw-3\charscalex1
00 1.\tab \up0 \expndtw0\charscalex102 Terdapat beberapa pertanyaan\par\pard\qj
\li2834\ri461\sb48\sl-552\slmult0\tx3859\tx4835\tx5617 \up0 \expndtw0\charscalex
103 terbuka dalam kuesioner yang \line \up0 \expndtw-3\charscalex100 belum \tab
\up0 \expndtw-3\charscalex100 terisi. \tab \up0 \expndtw-3\charscalex100 Hal \ta
b \up0 \expndtw-4\charscalex100 ini\par\pard\column \qj \li6591\sb0\sl-552\slmul
t0 \par\pard\qj \li587\ri1456\sb112\sl-552\slmult0 \up0 \expndtw0\charscalex102
mengurangi informasi yang \up0 \expndtw0\charscalex105 seharusnya
diperol
eh
dari \up0 \expndtw0\charscalex102 responden
sebagai
temuan \up0 \exp
ndtw0\charscalex101 penelitian sehingga membuat \up0 \expndtw0\charscalex101 s
aran yang dibuat oleh penulis \up0 \expndtw-3\charscalex100 semakin terbatas.\pa
r\pard\ql \li20\sb228\sl-276\slmult0\tx592 \up0 \expndtw-3\charscalex100 2.\tab
\up0 \expndtw0\charscalex103 Variabel
independen
yang\par\pard\qj \li587\r
i1454\sb48\sl-552\slmult0\tx2951 \up0 \expndtw0\charscalex100 digunakan dalam pe
nelitian ini \line \up0 \expndtw0\charscalex103 hanya mencakup tiga variabel \li
ne \up0 \expndtw-1\charscalex100 yaitu kualitas layanan, nilai \line \up0
\expndtw0\charscalex104 nasabah, dan atribut produk \line \up0 \expndtw0\char
scalex106 Islam
dalam
menjelaskan \line \up0 \expndtw0\charscalex103 kepua
san
nasabah
sebagai \line \up0 \expndtw-1\charscalex100 variabel dependenn
ya, di mana \line \up0 \expndtw0\charscalex101 hanya diperoleh nilai \ul0\nosupe
rsub\cf3\f4\fs24 Adjusted \line \up0 \expndtw0\charscalex107 R Square\ul0\nosu
persub\cf2\f3\fs24
sebesar \tab \up0 \expndtw-3\charscalex100 56,8%. \line \u
p0 \expndtw0\charscalex102 Sehingga masih perlu kajian\par\pard\qj \li587\ri1
455\sb0\sl-552\slmult0\tx2010 \up0 \expndtw-3\charscalex100 tentang\tab \up0 \ex
pndtw-3\charscalex100 variabel-variabel \up0 \expndtw0\charscalex103 independen
lain di luar model \up0 \expndtw-3\charscalex100 penelitian ini. \par\pard\sect\
sectd\fs24\paperw11900\paperh16820\pard\sb0\sl-240{\bkmkstart Pg26}{\bkmkend Pg2
6}\par\pard\ql \li5549\sb0\sl-276\slmult0 \par\pard\ql\li5549\sb0\sl-276\slmult0
\par\pard\ql\li5549\sb0\sl-276\slmult0 \par\pard\ql\li5549\sb0\sl-276\slmult0 \
par\pard\ql\li5549\sb0\sl-276\slmult0 \par\pard\ql\li5549\sb0\sl-276\slmult0 \pa
r\pard\ql\li5549\sb0\sl-276\slmult0 \par\pard\ql\li5549\sb59\sl-276\slmult0 \up0
\expndtw-3\charscalex100 \ul0\nosupersub\cf1\f2\fs24 REFERENSI \par\pard\li2268
\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-27
6\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\
par\pard\li2268\sb17\sl-276\slmult0\fi0\tx6552\tx7260 \up0 \expndtw0\charscalex1
01 \ul0\nosupersub\cf2\f3\fs24 Adiwarman Karim.
dan A. Z. Affif.\tab \up0
\expndtw0\charscalex101 2005.\tab \up0 \expndtw0\charscalex101 \u8220?Islamic
Banking Consumer\par\pard\li2268\sb44\sl-276\slmult0\fi720 \up0 \expndtw0\chars
calex101 Behaviour in Indonesia:A Qualitative Approach\u8221?\par\pard\ql \li22
68\sb271\sl-276\slmult0 \up0 \expndtw-2\charscalex100 Augusty Ferdinand. 2006. \
ul0\nosupersub\cf3\f4\fs24 Metode Penelitian Manajemen\ul0\nosupersub\cf2\f3\fs2
4 . Semarang: BP UNDIP \par\pard\ql \li2268\ri1503\sb248\sl-320\slmult0\tx2988\t
x2988\tx2988 \up0 \expndtw0\charscalex100 Bagyo Mujiharjo. 2006. \u8220?Analisis
Faktor-Faktor yang Mempengaruhi Kepuasan \line\tab \up0 \expndtw0\charscalex103
Pelanggan dan Pengaruhnya terhadap Loyalitas Pelanggan (Studi pada \line\tab \u
p0 \expndtw0\charscalex105 Bank BRI Demak\u8221?. \ul0\nosupersub\cf3\f4\fs24 Ju
rnal Sains Pemasaran Indonesia. \ul0\nosupersub\cf2\f3\fs24 Vol V, No. 2 \line\t
ab \up0 \expndtw-3\charscalex100 h.193-201 \par\pard\ql \li2268\sb257\sl-276\slm
ult0 \up0 \expndtw-3\charscalex100 Bank Indonesia, 2009, Laporan Perbankan Syari
ah tahun 2009, Jakarta \par\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li22
68\sb8\sl-276\slmult0 \up0 \expndtw-2\charscalex100 Cravens, D. W. 1996. \ul0\no
supersub\cf3\f4\fs24 Pemasaran Strategis\ul0\nosupersub\cf2\f3\fs24 . Ed 4. Jaka
rta: Penerbit Erlangga \par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb21\
sl-276\slmult0\fi0\tx4146\tx4866 \up0 \expndtw-1\charscalex100 Danmia Andina.\t
ab \up0 \expndtw-1\charscalex100 2009.\tab \up0 \expndtw-1\charscalex100 \u8220?
Pengaruh Kualitas Pelayanan dan Nilai terhadap\par\pard\li2268\sb41\sl-276\
slmult0\fi720 \up0 \expndtw-1\charscalex100 Kepuasan Nasabah. Skripsi, Fakultas
Ekonomi Universitas Diponegoro.\par\pard\ql \li2268\ri1503\sb244\sl-313\slmult0\
tx2988\tx2988\tx2988 \up0 \expndtw0\charscalex102 Diana Nurhayati. 2002. \u8220?
Analisi Pengaruh Mutu Pelayanan dan Atribut Produk \line\tab \up0 \expndtw0\char
scalex100 terhadap Kepuasan Konsumen dalam Mempertahankan Komitmen \li
ne\tab \up0 \expndtw0\charscalex104 Konsumen pada Klinik Estetika Semarang\u
8221?. Tesis, Program Studi \line\tab \up0 \expndtw-2\charscalex100 Magister
Manajemen Program Pasca Sarjana, Universitas Diponegoro. \par\pard\ql \li2268\ri
1505\sb242\sl-320\slmult0\tx2988\tx2988\tx2988 \up0 \expndtw0\charscalex105 Didi
k Isnadi. 2005. \u8220?Analisi Pengaruh Relationship Marketing terhadap Nilai \l
ine\tab \up0 \expndtw0\charscalex104 Nasabah dan Keunggulan Produk dalam Meningk
atkan Kepuasan dan \line\tab \up0 \expndtw0\charscalex101 Loyalitas Nasabah. Tes
is, Program Studi Magister Manajemen Program \line\tab \up0 \expndtw-3\charscale
x100 Pasca Sarjana, Universitas Diponegoro. \par\pard\ql \li2268\sb0\sl-276\slmu
lt0 \par\pard\ql\li2268\sb1\sl-276\slmult0\tx3810\tx4554 \up0 \expndtw-1\charsca
lex100 Edo Sasono. \tab \up0 \expndtw-3\charscalex100 2006. \tab \up0 \expndtw
-1\charscalex100 \u8220?Analisis Faktor-Faktor yang Menentukan Kepuasan
\par\pard\qj \li2988\ri1502\sb16\sl-310\slmult0 \up0 \expndtw-1\charscalex100 Pe
langgan dan Pengaruhnya Terhadap Loyalitas Pelanggan Bank Syariah \up0 \expndtw2\charscalex100 (Studi Empiris Pada Bank Syariah di Jawa Tengah dan D. I Yogyaka
rta)\u8221?. \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf3\f4\fs24 Jurnal Sa
ins Pemasaran Indonesia\ul0\nosupersub\cf2\f3\fs24 , Vol. V, No. 3 h.305-320 \pa

r\pard\ql \li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb3\sl-276\slmult0 \up0
\expndtw-3\charscalex100 Fandy Tjiptono. 2004\ul0\nosupersub\cf3\f4\fs24 . Pema
saran Jasa\ul0\nosupersub\cf2\f3\fs24 . Malang: Bayu Media Publishing \par\pard\
ql \li2268\ri1505\sb248\sl-320\slmult0\tx2988 \up0 \expndtw0\charscalex104 Fandy
Tjiptono. dan G. Chandra. 2005. \ul0\nosupersub\cf3\f4\fs24 Service, Quality, &
Satisfaction\ul0\nosupersub\cf2\f3\fs24 . Ed 1. \line\tab \up0 \expndtw-3\chars
calex100 Yogyakarta: Penerbit ANDI \par\pard\sect\sectd\fs24\paperw11900\paperh1
6820\pard\sb0\sl-240{\bkmkstart Pg27}{\bkmkend Pg27}\par\pard\li2268\sb0\sl-276\
slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\pa
r\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2
268\sb0\sl-276\slmult0\par\pard\li2268\sb0\sl-276\slmult0\par\pard\li2268\sb67\s
l-276\slmult0\fi0\tx8387 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf2\f3\fs2
4 Fandy Tjiptono. Gregorius Chandra dan Padi Adriana.\tab \up0 \expndtw0\c
harscalex101 2008. \ul0\nosupersub\cf3\f4\fs24 Pemasaran\par\pard\li2268\sb41\s
l-276\slmult0\fi720 \up0 \expndtw0\charscalex101 Strategik.\ul0\nosupersub\cf2\f
3\fs24 Yogyakarta: Penerbit ANDI\par\pard\ql \li2268\ri1500\sb243\sl-320\slmult
0\tx2988 \up0 \expndtw0\charscalex104 Freddy Rangkuti. 2002. \ul0\nosupersub\cf3
\f4\fs24 Measuring Customer Satisfaction: Gaining Customer \line\tab \up0 \expnd
tw-3\charscalex100 Relationship Strategy\ul0\nosupersub\cf2\f3\fs24 . Jakarta: P
T. Gramedia Pustaka Utama \par\pard\ql \li2268\ri1499\sb220\sl-320\slmult0\tx298
8\tx2988\tx2976 \up0 \expndtw0\charscalex104 F. X. Ario Bagus Senoaji. 2008. \u8
220?Analisis Faktor-Faktor yang Mempengaruhi \line\tab \up0 \expndtw-3\charscale
x100 Tingkat Kepuasan Nasabah (Studi Kasus pada PT. Bank Mandiri (Persero) \line
\tab \up0 \expndtw0\charscalex100 Tbk di Kota Semarang)\u8221?. Tesis, Progra
m Studi Magister Manajemen \line\tab \up0 \expndtw-3\charscalex100 Program Pa
sca Sarjana, Universitas Diponegoro \par\pard\ql \li2268\sb0\sl-276\slmult0 \par
\pard\ql\li2268\sb1\sl-276\slmult0 \up0 \expndtw-2\charscalex100 Ibnu Widiyanto.
2008. \ul0\nosupersub\cf3\f4\fs24 Pointers : Metodologi Penelitian\ul0\nosupers
ub\cf2\f3\fs24 . Semarang: BP Undip \par\pard\ql \li2268\ri1499\sb248\sl-320\slm
ult0\tx2976 \up0 \expndtw0\charscalex107 Imam Ghozali. 2006. \ul0\nosupersub\cf3
\f4\fs24 Aplikasi Analisis Multivariate dengan Program SPSS\ul0\nosupersub\cf2\f
3\fs24 . \line\tab \up0 \expndtw-3\charscalex100 Semarang: BP UNDIP \par\pard\ql
\li2268\sb0\sl-276\slmult0 \par\pard\ql\li2268\sb1\sl-276\slmult0 \up0 \expndtw
-3\charscalex100 Iqbal, Zamir. 1997. \u8220?Islamic Financial System\u8221?. Fin
ance & Development. \par\pard\ql \li2268\ri1501\sb228\sl-320\slmult0\tx2988 \up0
\expndtw-1\charscalex100 J. Supranto. 1997. \ul0\nosupersub\cf3\f4\fs24 Penguku
ran Tingkat Kepuasan Pelanggan\ul0\nosupersub\cf2\f3\fs24 . Jakarta: PT Rineka \
line\tab \up0 \expndtw-3\charscalex100 Cipta \par\pard\ql \li2268\sb0\sl-276\slm
ult0 \par\pard\ql\li2268\sb1\sl-276\slmult0 \up0 \expndtw-2\charscalex100 J. Sup
ranto. 2001. \ul0\nosupersub\cf3\f4\fs24 Statistik Teori dan Aplikasi\ul0\nosupe
rsub\cf2\f3\fs24 . Ed 6. Jakarta: Penerbit Erlangga \par\pard\ql \li2268\sb0\sl276\slmult0 \par\pard\ql\li2268\sb8\sl-276\slmult0\tx4141 \up0 \expndtw0\charsca
lex104 Kotler, Philip. \tab \up0 \expndtw0\charscalex104 1998. \ul0\nosupersub
\cf3\f4\fs24 Manajemen Pemasaran: Analisi, Perencanaan, \par\pard\ql \li
2988\sb44\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Implementasi, dan Kontrol
. \ul0\nosupersub\cf2\f3\fs24 9e. Surabaya: Perdana Printing Arts \par\pard\ql \
li2268\ri1503\sb248\sl-320\slmult0\tx2988 \up0 \expndtw0\charscalex100 Kotler, P
. dan G. Armstrong. 2001. \ul0\nosupersub\cf3\f4\fs24 Dasar-Dasar Pemasaran. \ul
0\nosupersub\cf2\f3\fs24 Ed 9. Jakarta: PT. \line\tab \up0 \expndtw-3\charscalex
100 INDEKS Kelompok GRAMEDIA \par\pard\ql \li2268\ri1502\sb257\sl-300\slmult0\tx
2988 \up0 \expndtw0\charscalex107 Maryati, M. C. 2001. \ul0\nosupersub\cf3\f4\fs
24 Statistik Ekonomi dan Bisnis. \ul0\nosupersub\cf2\f3\fs24 Yogyakarta: UPP AMP
\line\tab \up0 \expndtw-3\charscalex100 YKPN \par\pard\ql \li2268\ri1505\sb244\
sl-320\slmult0\tx2988 \up0 \expndtw0\charscalex104 Muhammad. 2005. \ul0\nosupers
ub\cf3\f4\fs24 Manajemen Bank Syariah\ul0\nosupersub\cf2\f3\fs24 . Yogyakarta: U
nit Penerbit dan \line\tab \up0 \expndtw-3\charscalex100 Percetakan (UPP) AMP YK
PN \par\pard\ql \li2268\ri1503\sb240\sl-320\slmult0\tx2988\tx2988 \up0 \expndtw0
\charscalex105 Rifki Ismal. 2008. \u8220?Depositors Behavior and Economic Condit
ion Leading to \line\tab \up0 \expndtw0\charscalex103 Liquidiy Risk Problem in I
slamic Banking Industry (Indonesian Case : \line\tab \up0 \expndtw-3\charscalex1

00 2001-2007)\u8221? \par\pard\ql \li2268\ri1501\sb246\sl-313\slmult0\tx2988\tx2
988\tx2988 \up0 \expndtw0\charscalex103 Rahman El Junusi. 2009. \u8220?Pengaruh
Atribut Produk Islam, Komitmen Agama, \line\tab \up0 \expndtw-2\charscalex100 Ku
alitas Jasa dan Kepercayaan terhadap Kepuasan dan Loyalitas Nasabah \line\tab \u
p0 \expndtw0\charscalex101 Bank Syariah (Pada Bank Muamalat Kota Semarang)\u82
21?. \ul0\nosupersub\cf3\f4\fs24 The 9th Annual \line\tab \up0 \expndtw-3\charsc
alex100 Conference on Islamic Studies (ACIS) \par\pard\sect\sectd\fs24\paperw119
00\paperh16820\pard\sb0\sl-240{\bkmkstart Pg28}{\bkmkend Pg28}\par\pard\qj \li22
68\sb0\sl-520\slmult0 \par\pard\qj\li2268\sb0\sl-520\slmult0 \par\pard\qj\li2268
\sb0\sl-520\slmult0 \par\pard\qj\li2268\ri3447\sb230\sl-520\slmult0 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Sugiyono. 2004. \ul0\nosupersub\cf
3\f4\fs24 Metode Penelitian Bisnis\ul0\nosupersub\cf2\f3\fs24 . Bandung: Alfabet
a \line \up0 \expndtw-3\charscalex100 {\field{\*\fldinst {HYPERLINK "http://www.
bni.co.id/" }}{\fldrslt {\ul0\nosupersub\cf2\f3\fs24 www.bni.co.id}}} \par\pard\
qj \li2268\ri7421\sb16\sl-550\slmult0 \up0 \expndtw-3\charscalex100 {\field{\*\f
ldinst {HYPERLINK "http://www.infoanda.com/" }}{\fldrslt {\ul0\nosupersub\cf2\f3
\fs24 www.infoanda.com}}} \line \up0 \expndtw-3\charscalex100 {\field{\*\fldinst
{HYPERLINK "http://www.kompas.co.id/" }}{\fldrslt {\ul0\nosupersub\cf2\f3\fs24
www.kompas.co.id}}} \line \up0 \expndtw-3\charscalex100 {\field{\*\fldinst {HYPE
RLINK "http://www.republika.co.id/" }}{\fldrslt {\ul0\nosupersub\cf2\f3\fs24 www
.republika.co.id}}} \par\pard\sect\sectd\fs24}

Agung Purwo Atmojo

Diunggah oleh

Informasi Dokumen

Judul Asli

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Agung Purwo Atmojo

Diunggah oleh

Hak Cipta:

Format Tersedia

{\rtf1{\fonttbl

{\f2 Times New Roman Bold;}

ngalaman baik tentang produk itu. \line \up0 \expndtw0\charscalex102 Kepuasan

\sn geoRight}{\sv 3672}}{\sp{\sn geoBottom}{\sv 553}}

p0 \expndtw0\charscalex101 perbankan nasional di Indonesia \line \up0 \exp

pndtw-3\charscalex100 74, 3\tab \up0 \expndtw-3\charscalex100 70, 6\par\pard\li2

0\charscalex100 memperhatikan atribut produk Islam \line \up0 \expndtw0\charscal

\expndtw-3\charscalex100 pengalaman konsumsi.\par\pard\column \ql \li6591\sb0\s

\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2\f3\fs24 Nilai\tab \up0 \expnd

0 pengharaman bunga, bagi resiko, \line \up0 \expndtw0\charscalex108 uang

n. Variabel komitmen agama \line \up0 \expndtw-3\charscalex100 berpengaruh \tab

0\charscalex104 primer. Berupa jawaban responden \up0 \expndtw0\charscalex104 at

scalex100 dibutuhkan\tab \up0 \expndtw-3\charscalex100 dalam\par\pard\qj \li3686

p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

106 1.\ul0\nosupersub\cf4\f5\fs24 \ul0\nosupersub\cf2\f3\fs24 Uji\tab \up0 \ex

elah \line \up0 \expndtw0\charscalex101 memenuhi

s24 standardized\par\pard\qj \li2268\ri461\sb0\sl-552\slmult0\tx3055\tx4527 \u

\sn geoRight}{\sv 24}}{\sp{\sn geoBottom}{\sv 39}}

{\sp{\sn pSegmentInfo}{\sv 2;9;16384;45824;1;45824;1;45824;1;45824;32768}}

1}}{\sp{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

{\sp{\sn pVerticies}{\sv 8;4;(0,3);(39,3);(0,0);(0,3)}}

{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s

p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

\sn geoRight}{\sv 39}}{\sp{\sn geoBottom}{\sv 39}}

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 167772

{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 167772

b \up0 \expndtw-3\charscalex100 .005 \par\pard\sect\sectd\sbknone \li2268\sb55\s

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

{\sp{\sn pSegmentInfo}{\sv 2;11;16384;45824;1;45824;1;45824;1;45824;1;45824;3276

scalex100 Hasil Uji F \par\pard\sect\sectd\sbknone \li2297\sb0\sl-207\slmult0\pa

\sn geoRight}{\sv 7802}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 7802}}{\sp{\sn geoBottom}{\sv 32}}

\sn geoRight}{\sv 1940}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 1411}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 980}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 1364}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 983}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 970}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 39}}{\sp{\sn geoBottom}{\sv 39}}

\sn geoRight}{\sv 1411}}{\sp{\sn geoBottom}{\sv 39}}

\sn geoRight}{\sv 961}}{\sp{\sn geoBottom}{\sv 39}}

\sn geoRight}{\sv 1345}}{\sp{\sn geoBottom}{\sv 39}}

\sn geoRight}{\sv 963}}{\sp{\sn geoBottom}{\sv 39}}

\sn geoRight}{\sv 951}}{\sp{\sn geoBottom}{\sv 39}}

\sn geoRight}{\sv 39}}{\sp{\sn geoBottom}{\sv 351}}

\sn geoRight}{\sv 1383}}{\sp{\sn geoBottom}{\sv 32}}

\sn geoRight}{\sv 19}}{\sp{\sn geoBottom}{\sv 351}}

\sn geoRight}{\sv 701}}{\sp{\sn geoBottom}{\sv 871}}

\sn geoRight}{\sv 1239}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 1411}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 980}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 1364}}{\sp{\sn geoBottom}{\sv 31}}

\sn geoRight}{\sv 983}}{\sp{\sn geoBottom}{\sv 31}}