Suharto and Ligery (2018) The Influence Of Bancassurance Products And Responsiveness To Consumer Behavior And Corporate Image As Mediation Variables: A Study At Bank Metro Madani, Metro City

Rjoas, 1(73), 47-57

File Pdf Download


Behavior of consumers is an important factor in the purchase decision. The purpose of research is to know the influence of bancassurance products, responsiveness and company image to the consumer behavior. This research, using primary data collected by the method of explanatory survey and sampling techniques in the form of forcible entry, sampling of 250 respondents in Bank of Metro Madani, Metro City. The results of research: bancassurance products directly affect the conduct of consumer respondent; company image directly affects the conduct of consumers; bancassurance products directly affect to company image.
Bancassurance products, responsiveness, corporate image, consumer behavior.


  1. Alavudeen, Rebeena & Dr. Sr. Rosa K.D. (2015). Growing Role of Bancassurance in Banking Sector. Bonfring International Journal of Industrial Engineering and Management Science, vol. 5, p. 10-16.
  2. Albrecht, Carmen-Maria, Stefan Hattula, and Donald R. Lehmann. (2017). The relationship between consumer shopping stress and purchase abandonment in taskoriented and recreation-oriented consumers. Journal of the Academy of Marketing Science. 45.5 (Sept. 2017) p.720. Word Count: 14591.
  3. Anne M. Gessler. (2017). Warriors for lower prices: the New Orleans housewives' league and the consumer cooperative movement, 1913-1921. Journal of Southern History. 83.3 (Aug. 2017) p573. Word Count: 19784.
  4. Balqiah, T. E., & Setyowardhani, H. (2015). Perilaku Konsumen. Tangerang Selatan: Universitas Terbuka.
  5. Barbu, Oana. (2012). Brand Cultures: Between Identity and Image. Mediterranean Journal of Social Sciences. Special Issue 3.9 (Apr 2012): 47-53.
  6. Bergendahl, Goran. (1983). Subject Area: Marketing. The Profitability of Bancassurance for European Banks. International Journal of Bank Marketing. ISSN: 0265 2323 Online from: 1983. Vol. 13 issue: 1, pp. 17-28.
  7. Bernardes, Ednilson Santos & Mark D. Hanna. (2009). A Theoretical Review of Flexibility, Agility and Responsiveness in The Operations Management Literature. International Journal of Operations and Production Management, vol. 29, p. 30-53.
  8. cBerry, Christopher, Scot Burton, and Elizabeth Howlett. (2017). It's only natural: the mediating impact of consumers' attribute inferences on the relationships between product claims, perceived product healthfulness, and purchase intentions. Journal of the Academy of Marketing Science. 45.5 (Sept. 2017) p698. Word Count: 14901.
  9. Bluman, Allan G. (2008) Elementary Statistics: A Step by Step Approach. New York: McGraw Hill, 2008.
  10. Boubaker, Sabri., Wael Rouatbi, and Walid Saffar. (2017). The Role of Multiple Large Shareholders in the Choice of Debt Source. Financial Management. 46.1 (Spring 2017) p241. Word Count: 12590.
  11. Chhaochharia,Vidhi, Yaniv Grinstein, Gustavo Grullon, and Roni Michaely. (2017). Product market competition and internal governance: evidence from the Sarbanes-Oxley Act. Management Science. 63.5 (May 2017) p1405. Word Count: 11775.
  12. Cronbach, L. J. (1963). Educational Psychology. New York: Harcourt, Brace & World, Inc.
  13. El-Salam, Eman Mohamed Abd., Ayman Yehia Shawky. And Tawfik El-Nahas. (2013). The impact of corporate image and reputation on service quality, customer satisfaction and customer loyalty: testing the mediating role. Case analysis in an international service company. Arab Academy for Science and Technology and Maritime Transport, College of Management and Technology, Alexandria, Egypt. The Business & Management Review.
    Vol.3 Number-2, January 2013.
  14. Fergurson, J. Ricky. (2017). Self-image congruence: an empirical look at consumer behavior in door-to-door sales!. Journal of Managerial Issues. 29.3 (Fall 2017) p262. Word Count: 5366.
  15. Gokalp, Omer N., Seung-Hyun Lee, and Mike W. Peng. (2017). Competition and corporate tax evasion: An institution-based view. Journal of World Business. 52.2 (Feb. 2017) p258. Word Count: 235.
  16. Holweg, M. (2007). The Three Dimensions of Responsiveness. International Journal of Operation and Production Management, vol. 25, p. 603-622.
  17. Jackson, Howell E. & Stacy A. Anderson. (2007). Can states tax national banks to educate consumers about predatory lending practices?. Harvard Journal of Law & Public Policy. 30.3 (Summer 2007) p831. Word Count: 20801.
  18. Karimian, Paniz Haji. (2017). The Effect of Bancassurance on Bank Productivity and Profitability, ARDL Approach (Evidences from Banking Industry in Iran). Economics Department, Tehran University, Tehran, Iran. Scientific & Academi Publishing. American Journal of Economics. p-ISSN: 2166-4951 e-ISSN: 2166-496X. 2017; 7(4): 177-185. doi:10.5923/j.economics. 20170704.03.
  19. Khayul, Susanna, Edmund Prater, Patricia M. Swafford. (2012). International Responsiveness of Entrepreneurial New Ventures From Three Leading Emerging Economies. International Journal of Operation and Production Management, vol. 32, p. 1147-1177.
  20. Kim, Taehyung, Lucia F. Dunn, and Gene E. Mumy. (2005). Bank Competition and Consumer Search Over Credit Card Interest Rates. Economic Inquiry. 43.2 (Apr. 2005) p.344. Word Count: 6336.
  21. Kirchner, Theresa A., Ford, John B; Mottner, Sandra. (2012). Disruptive marketing and unintended consequences in the nonprofit arts sector. Arts Marketing; Bingley. Vol. 2, Iss. 1, (2012): 70-90.
  22. cKrakowiak, Karpinska & Malgorzata. (2013). The Impact of Consumer Knowledge on Brand Image Transfer in Cultural Event Sponsorship. Polish Sociological Review 182 (2013): 185-208.
  23. Liljander, Veronica. (1990). Operations, Logistic & Quality. International Journal of Service Industry Management. ISSN: 0956-4233 Currently publisher as: Journal of Service Management Online from: 1990 Subject Area: Volume 8, Issue 2. Emotions in service satisfaction.
  24. Ling Liao, Tsai & Wen-Chun Lin. (2017). Corporate governance, product market competition, and the wealth effect of R&D spending changes. Financial Management. 46.3 (Fall 2017) p717. Word Count: 8042.
  25. Lung Peng, Jin., Vivian Jeng, Jennifer L .Wang, Yen - Chih Chen. (2015). The Impact of Bancassurance on Efficiency and Profitability of Banks: Evidence from the Banking. Industry in Taiwan. This version: July 10, 2015. Associate Professor, Department of Risk Management and Insurance National Chengchi University, Taiwan.
  26. Maden, Deniz. (2013). The Concept of Brand Culture: A Qualitative Analysis Directed to Turkish Airlines. Mediterranean Journal of Social Sciences, suppl. Special Issue 4.10 (Oct 2013): 42-49.
  27. Maja et al. (2015). Research of Honey Consumers Behavior in Province of Vojvodina. International Journal of Economics of Agriculture, vol. 3, p. 627-644.
  28. Meredith, Lawley; Apisit Chattananon; Jirasek Trimetsoontorn; (2007). Society and Business Review 2.3 (2007): 230-253.
  29. Miller, Hertzman, Ruth P; Morgenstern, Hal; Hurwitz, Eric L; Yu, Fei; et al. (2002). Comparing The Satisfaction of Low Back Pain Patients Randomized to Receive Medical or Chiropractic Care: Results from the UCLA low-back pain study. American Journal of Public Health; Washington. Vol. 92, Iss. 10, (Oct 2002): 1628-33.
  30. Mukherji, Jyotsna and Ananda M. (2017). Attitudes Toward Pharmaceutical Direct-To-Consumer Advertising: The Role Of Culture. Journal of Competitiveness Studies. 25.2 (Summer 2017) p114. Word Count: 3237.
  31. Naga, Dali S. (1992). Pengantar Teori Skor pada Pengukuran Pendidikan. Jakarta: Universitas Negeri Jakarta, 1992.
  32. Nasrul, Arista Milka. (2014). Pengaruh Faktor Perilaku Konsumen Terhadap Keputusan Pembelian Asuransi Jiwa. ( Studi pada AJB Bumiputera 1912 Syariah Cabang Cibubur). Fakultas Syariah dan Hukum Universitas Islam Negeri Syarif Hidayatullah Jakarta. 2014.
  33. cNorouzi1, Abdollah, Ali Akbar Jafarizadeh, Maryam Karbalaei1, Yousef Najafi. (2013). The Effective Major Factor On Customer Perceived Value In Service Context: The Application of ANFIS Method. European Online Journal of Natural and Social Sciences. 2013, Vol. 2, p. 408-416.
  34. Paglia, John K. & Jacquelyn K. Phlegar. (2001). The New Basel Capital Accord: What will be the impact on small banks and consumers? (Community Banking). Bank Accounting & Finance. 15.2 (Winter 2001) p63. Word Count: 2763.
  35. Prakash, Rajshree, Rahul Ravi, and Rubin Zhao. (2017). The anatomy of a socially responsible corporation. Financial Management. 46.1 (Spring 2017) p.33. Word Count: 10575.
  36. Prameswari, N. P. (2011). Analisis Faktor-Faktor yang Mempengaruhi Loyalitas Konsumen Pada Asuransi Prudential di Kota Semarang. Semarang: Universitas Diponegoro.
  37. Puranam, Dinesh, Vishal Narayan, and Vrinda Kadiyali. (2017). The Effect of Calorie Posting Regulation on Consumer Opinion: A Flexible Latent Dirichlet Allocation Model with Informative Priors. Marketing Science. 36.5 (September-October 2017) p726. Word Count: 13560.
  38. Putri, S. R. (2011). Analisis Perilaku Konsumen Terhadap Kepuasan Memilih Produk Kosmetik Oriflame Pada PT Orindo Alam Ayu Cabang Pekanbaru. Riau: Universitas Islam Negeri Sultan Syarif Kasim.
  39. Putri, Sari Rossalina. (2011). Analisis Perilaku Konsumen Terhadap Kepuasan Memilih Produk Kosmetik Oriflame Pada Pt. Orindo Alam Ayu Cabang Pekanbaru. Fakultas Ekonomi Dan Ilmu Sosial Universitas Islam Negeri Sultan Syarif Kasim. Riau.
  40. Reichhart, Andreas, José M. Framiñán & Matthias Holweg. (2008). Production Coordination and Inventory Policies. Original Articles. On the link between inventory and responsiveness in multi-product supply chains. Journal International Journal of Systems Science. Volume 39, 2008 - Issue 7. Pages 677-688 | Received 10 Dec 2007, Accepted 03 Feb. 2008, Published online: 19 May 2008.
  41. Samaha, Stephen A., Joshua T. Beck, & Robert W. (2014). Palmatier. American Marketing Association. Journal of Marketing. Vol. 78 (September 2014), 78-98. ISSN: 0022-2429 (print), 1547-7185 (electronic).
  42. Sendra, K. (2007). Bancassurance : Kemitraan Strategis Perbankan Dengan Perusahaan Asuransi. Jakarta: PPM.
  43. Sharma, Pramendra & Mahendra Reddy. (2003). Empirical modelling of bank market exclusion. (pp. 296 - 303). Published: 2003, Start page: 289. International Journal of Bank Marketing. ISSN: 0265-2323. Volume 21, Issue 6/7 . 2003.
  44. Siu, Noel Yee-man; Zhang, Tracy Jun-feng; Yau, Cheuk-ying Jackie. (2013). The Roles of Justice and Customer Satisfaction in Customer Retention: A Lesson from Service Recovery. Journal of Business Ethics: JBE; Dordrecht. Vol. 114, Iss. 4, (Jun 2013): 675-686.
  45. Soliman, Hisham Sayed. (2011). Customer Relationship Management and Its Relationship to the Marketing Performance. Department of Business Management Faculty of Commerce Cairo University. International Journal of Business and Social Science. Vol. 2 No. 10; June 2011.
  46. Steiner, David L. (2003). “Starting at the Beginning: An Introduction to Coefficient Alpha and Internal Consistency.” Journal of Personality Assessment, Vol.80, No. 1, 2003, 99-103.
  47. Tarigan, J. A. (2014). Pengaruh Daya Tanggap Dan Empati Terhadap Loyalitas Pelanggan Pada PT Sriwijaya Air Distrik Medan. Medan: Universitas Sumatera Utara.
  48. Warsito. (2011). Tersedia https: // 2011/ 04/ 13/ membangun - kesadaran-masyarakat-dalam-berasuransi/2011. (di akses 8 Juni 2017).
  49. Wugayan, Adel Al, Larry P. Pleshko. (2011). San Diego State University – Imperial ValleyCampus. Study Of Satisfaction, Loyalty, And Market Share In Kuwait Banks Offering Mutual Fund Services. Journal International Business Reseach. Kuwait University. Volume 10, Number 2.