CUSTOMER PREFERENCES FOR IB HASANAH CARD PRODUCTS AS FINANCIAL CARD AT BNI SYARIAH BANK SURABAYA BRANCH

Currently, the Islamic finance industry is proliferating and continues to make exciting innovations to attract customers. This innovation offers convenience and efficiency in financing Islamic banking in Indonesia. one of the product innovations offered is a sharia credit card. Unlike conventional banks' credit cards, which based on interest, this Islamic credit card still based on a contract. This study aims to look at the preferences of sharia bank customers, especially at the Surabaya branch of BNI Syariah bank, in using the iB hasanah card product. The method used in this study is a quantitative method with an explanatory approach. This study indicates that contracts, fines, fees, and services together have a positive effect on customer preferences in choosing the iB Hasanah Card product. Furthermore, each variable significantly affects customer preferences in choosing the IB Hasanah Card as an efficient payment card. Keyword: Sharia Card, Financial Card, Islamic Banking


Introduction
In the era of modern as today, especially in the economic field has been circulating system of financial transaction cards or more in the know with a credit card the first time appeared in America in 1920 and developed in European countries, and then began to evolve broadly in Islamic countries and non-Muslims (Ardha, 2020). This system, if implemented in economic and trade practices, has a high effectiveness and profit function. Indonesia issued credit cards in 1988, which PT Diners Jaya Indonesia manages (Ardha, 2020). After the issuance of the credit card, conventional banks examine the characteristics of the community and interest in credit cards so that they can attract all levels, especially the rich and middle class, to participate in this system.
Marketing focused on the positives side of this card in its security, prestige and satisfaction of material desires and ambitions. Ads served to cover the negative aspects of the community, whether religious, social, or economic, such as debt and interest that the layman does not recognize.
Contrary to the concept of sharia economics, this credit card includes the fees charged in purchase transactions, fees for cash credits, fees for exchanging foreign currency, and interest on late payments to the swelling debt that the borrower must pay.
All of them are in the form of debt that burdens the cardholder to not bear it in the future, especially people who have limited income. All of this happened because the agreement between the cardholder and the card issuer was not open. There were only vague and unclear signs as if there was no form of transaction calculations between them. In comparison, the agreement is used as a bond by the bank to get the maximum profit. The bank gets a higher profit compared to the interest income obtained from other applications and products.
The credit card business in Indonesia continues to grow every year. However, from 2020 to 2021, this has decreased due to the COVID-19 pandemic. Bank Indonesia noted that in February 2021, the number of credit cards in circulation or held by the  (Ihdi, 2020). In line with the increase in the number of users, the number of iB Hasanah Card transactions has also increased to reach IDR 1.2 trillion (Ihdi, 2020).
BNI Syariah has collaborated for payments using the IB Hasanah Card with merchants of more than 60 hotels and restaurants spread across major cities in Indonesia. In Indonesia, BNI IB Hasanah Card has penetrated the international market by collaborating with more than 20 halal restaurants and hotels in Japan in Tokyo, Osaka, Hokkaido, and Takushima.

a. Validity and Reliability Test
Validity is carried out on the question items on the questionnaire by calculating the correlation coefficient of each question with the total score obtained and then compared with the critical number r product moment. To assist in the calculation of the instrument test, the validity of this using the application programme SPSS version 20, following the results of Uji validity, appear in

c. Coefficient of Determination Test
To determine the results of the Coefficient of Determination Test, the researchers used SPSS aplication as shown in Table 4.4.

d. Hypothesis Test
To examine whether the hypothesis is accepted or rejected, a significant test is carried out by consulting the t-count value with the t-table value at a 95% confidence level (α = 0.05) so that a 5% significance level is used for the theoretical hypothesis to be used as a working hypothesis. The results of the t-test are shown in Table 4.5 .

Influence of Contracts on Customer Decisions
Based on variable of contract regression result coefficient postively equal to 0.366 and the statistical t test that generates a probability value or significance of 0.05 or equal to α (0.05), the obtained whispering mpulan that Akad influential positive significantly to Customer Decision . Based on this, the H1 is accepted.

Effect of Fines on Customer Decisions
Based on the results of the positive Cost variable regression coefficient, which is 0.136 and the result of the t statistic test, which produces a probability or significance value of 0.031 or less than (0.05), it concluded that fines have a significant positive effect on Customer Decisions. Based on this, then H2 is accepted.
The underlying reason, fines positively the customer decision due to penalties on products IB Hasanah Card not burdensome, lower / even none of the products Syariah Card on the institution of Islamic banking more, meaning that the risk borne by the Customer IB Hasanah Card in payment of fines no, because BNI Syariah also gives appreciation to its customers in the form of the Cash Rebate feature, namely the exemption of fines for customers who pay bills on time. With the features of BNI Syariah, this factor becomes an interest in customer decision making on the IB Hasanah Card product.

The Effect of Costs on Customer Decisions
Based on the results of a positive cost variable regression coefficient of 0.208 and the results of the t statistic test, which produces a probability or significance value of 0.0 2 1 or less than (0.05), it concluded that the cost has a significant positive effect on the decision. Customer. B erdasarkan this, the H3 is received.

The Effect of Service on Customer Interest
Based on the positive service variable regression coefficient of 0.512 and the results of the t statistic test, which produces a probability or significance value of 0.001 or less than (0.05), it concluded that the service has a significant positive effect on customer decisions. Based on this, then H4 is accepted.
The underlying reason for performance positively affects the Customer Decision is that service quality caused by service ( service ) does not merely deliver or serve. Service means understanding, understanding, and feeling so that the delivery will be about the consumer's heart share and ultimately strengthen the position in the consumer's mind share. With the embedded heart share and mind share, a consumer's loyalty to the company's product or business will not be doubted.

Conclusion
The IB Hasanah Card ( Syariah Card ) establishes an Akad different from conventional Credit Cards in general, which apply an exciting system. The IB Hasanah Card is well known to the broader community. It was proven when researchers gave interviews and questionnaires given to respondents about the IB Hasanah Card that