The Influence of Estimated Value, Promotion, and Ijarah on Customer Decisions on the Financing of Pawned Goods (Rahn) with Services as Moderating Variables

Abstract

This study aims to determine the effect of the estimated value of promotion and ijarah on customer decisions of gold pawn financing at BSM KC Ratulangi Makassar and to determine the effect of estimated promotion and ijarah moderated by service. The type of research used in this study is quantitative using numerical figures or through numbers. Questionnaire with a descriptive approach through primary and secondary research data sources obtained directly from the original source (Customer). Methods of data collection through documentation, internet searching, questionnaires (questionnaire) The results of research with multiple regression regarding the effect of value (promotion estimates and ijarah on customer decisions in using pawn services, it can be interpreted that the estimated value has a positive effect on customer decisions, promotion has a positive effect on decisions) The customer, jarah has a positive effect on customer decisions. And the results of research with service moderate the estimated value, promotion and anger towards customer decisions that the estimated value moderated by the service can strengthen the promotion customer decisions moderated by service to customer decisions