PENGARUH KUALITAS PELAYANAN, DISKON, DAN CITRA PERUSAHAAN TERHADAP MINAT MENGGUNAKAN LAYANAN PT FEDERAL INTERNATIONAL FINANCE DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Pelanggan PTFederal International Finance Bandar Lampung)

Fadjrin, Novalingga (2025) PENGARUH KUALITAS PELAYANAN, DISKON, DAN CITRA PERUSAHAAN TERHADAP MINAT MENGGUNAKAN LAYANAN PT FEDERAL INTERNATIONAL FINANCE DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Pelanggan PTFederal International Finance Bandar Lampung). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Pertumbuhan bisnis dan beragamnya produk barang maupun jasa menimbulkan persaingan yang semakin ketat. Seiring meningkatnya kebutuhan dan perkembangan zaman, jumlah lembaga penyedia pembiayaan, baik bank maupun non-bank, juga bertambah. Salah satu lembaga non-bank yang banyak dipilih masyarakat sebagai alternatif pembiayaan adalah PT Federal International Finance. Penelitian ini bertujuan menganalisis pengaruh kualitas pelayanan, diskon, dan citra perusahaan terhadap minat penggunaan layanan FIF di Bandar Lampung, serta meninjau hasilnya dalam perspektif bisnis Islam. Latar belakang penelitian didasari oleh semakin selektifnya konsumen, sehingga perusahaan dituntut untuk memiliki strategi efektif dalam menarik minat. Metode penelitian menggunakan pendekatan kuantitatif dengan survei terhadap 100 responden nasabah FIF di Bandar Lampung. Teknik sampling memakai rumus Slovin, sementara analisis data dilakukan dengan path analysis menggunakan SmartPLS 24. Hasil penelitian menunjukkan bahwa kualitas pelayanan, diskon, dan citra perusahaan berpengaruh positif dan signifikan terhadap minat menggunakan layanan FIF, baik secara parsial maupun simultan. Uji simultan menunjukkan kontribusi sebesar 92,1%. Dari perspektif bisnis Islam, minat masyarakat cukup tinggi karena kemudahan layanan, program diskon, dan citra perusahaan yang baik. Namun, agar sesuai prinsip syariah, disarankan FIF mengadopsi akad syariah seperti murabahah, ijarah, atau musyarakah, guna menghindari praktik riba dan mendukung maqashid al-syariah. ABSTRACT The growth of business and the diversity of products, both goods and services, have led to increasingly intense competition. Along with rising needs and the development of the times, the number of financial institutions, both banks and non-banks, has also increased. One of the non-bank institutions widely chosen by the public as an alternative financing option is PT Federal International Finance. This study aims to analyze the influence of service quality, discounts, and corporate image on the intention to use FIF services in Bandar Lampung, as well as to examine the results from the perspective of Islamic business. The background of this research is based on the fact that consumers are becoming more selective, thereby requiring companies to develop effective strategies to attract their interest. The research applies a quantitative approach with a survey of 100 FIF customers in Bandar Lampung. The sampling technique used the Slovin formula, while data analysis was conducted through path analysis using SmartPLS version 24. The results show that service quality, discounts, and corporate image have a positive and significant effect on the intention to use FIF services, both partially and simultaneously. The simultaneous test indicates a contribution of 92.1%. From an Islamic business perspective, public interest is relatively high due to service convenience, discount programs, and a good corporate image. However, to comply with sharia principles, it is recommended that FIF adopt sharia contracts such as murabahah, ijarah, or musyarakah to avoid riba practices and support maqashid al-shariah.

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