Tujuan penelitian ini adalah menganalisis berbagai faktor yang berpengaruh terhadap probabilitas konsumen memilih KPR Developer Properti Syariah. Data penelitian ini adalah data primer yang diperoleh melalui angket kepada 252 orang dari populasi 1.269 konsumen KPR DPS di Jawa Tengah (Kabupaten Boyolali, Kabupaten Magelang, Kabupaten Pati, Kota Semarang, dan Kabupaten Wonosobo). Selanjutnya data konsumen dianalisis menggunakan model regresi binary logit dengan software SPSS.
Hasil penelitian ini menyatakan bahwa variabel harga dan religiusitas berpengaruh negatif signifikan terhadap probabilitas memilih KPR pada Developer Properti Syariah. Sedangkan variabel pendapatan, lokasi dan fasilitas tidak berpengaruh signifikan terhadap probabilitas memilih KPR pada Developer Properti Syariah. Nilai koefisien variabel harga sebesar -0,673 artinya semakin mahal persepsi konsumen, maka konsumen tidak akan memilih KPR pada Developer Properti Syariah. Variabel religiusitas dibatasi pada pembahasan persepsi yang diukur dengan (halal, syubhat, dan haram), variabel religiusitas memiliki nilai koefisien sebesar -1,116 artinya semakin haram persepsi konsumen, maka konsumen tidak akan memilih KPR pada Developer Properti Syariah. Kabupaten Wonosobo merupakan wilayah paling besar probabilitasnya memilih KPR pada Developer Properti Syariah dibanding dengan Kabupaten Boyolali, Pati, Magelang, dan Kota Semarang. Sedangkan Kabupaten Pati adalah wilayah paling sedikit probabilitasnya memilih KPR pada Developer Properti Syariah.

ABSTRACT:

The purpose of this study is to analyze several factors which influence to consumers’ probability to potentially select KPR of Sharia Property Developers. The data of the research were primarily derived from questionnare which was taken from 252 samples of 1.269 consumers of DPS in central Java (regency of Boyolali, Magelang, Pati, Semarang, Wonosobo). The consumers’ data were then analyzed through logit binary regression model of SPSS’s software.
The result of this research stated that cost variable and religiosity influenced significantly negative toward probability in considering KPR under the Sharia Property Developers, while income, location, and facility variable didn’t really take any effect in determining the Sharia Property Developers. The coefficient value of the variable price in fact was -0,673, it meant that the more expensive the consumer's perception, the consumer won’t prefer the KPR on the Sharia Property Developers. The variabel of religiosity is limited to the discussion of perception as measured by (halal, doubtful, and haram), the religiosity variable had a coefficient value of -1,116 which meant that the more illicit consumers' perceptions, then consumers would not make a choice mortgages on Sharia Property Developers. On the contrary on, this research showed that Wonosobo Regency was the one of region with the highest probability of choosing a KPR in a Sharia Property Developers compared to Boyolali, Pati, Magelang, and Semarang city regencies. Whereas Pati regency was the only one region with the least probability of choosing mortgages on Sharia Property Developers.