The Influence of Hajj Repayment Savings Programs and Trust on Hajj Fee Payment Decisions (A Study on Leaders at PT. Arminareka Perdana)

Authors

  • Wiwi Sobarsari Institut Bisnis dan Komunikasi Swadaya, Jakarta, Indonesia
  • Achmad Jaelani Institut Bisnis dan Komunikasi Swadaya, Jakarta, Indonesia
  • Atik Budi Paryanti Institut Bisnis dan Komunikasi Swadaya, Jakarta, Indonesia

DOI:

https://doi.org/10.38035/gijtm.v4i2.899

Keywords:

Savings Program, Trust, Payment Decision, Hajj, Arminareka Perdana

Abstract

This study aims to analyze the influence of the Hajj Repayment Savings Program and the level of Trust on Hajj Fee Payment Decisions among Leaders at PT. Arminareka Perdana. The background of this research is the phenomenon of long Hajj waiting lists in Indonesia, which necessitates mature financial planning strategies; however, fluctuations in payment commitment at the Leader level persist. This research employs a quantitative associative approach, involving 100 respondents selected through purposive sampling. Data analysis was conducted using Multiple Linear Regression via SPSS software. The results show that, simultaneously, the Hajj Repayment Savings Program and Trust significantly influence Payment Decisions, contributing 17.8%. However, partial t-test results reveal contrasting findings: the Trust variable has a positive and significant effect (Sig. 0.000), while the Hajj Repayment Savings Program does not have a significant individual effect (Sig. 0.445). This indicates that for Leaders, trust in the company's integrity and credibility is the primary driver in financial decision-making compared to the technical savings facilities provided. The research model met normality assumptions through histogram and P-P Plot tests. This study suggests that Hajj travel organizers should focus more on strengthening transparency and relational bonds with partners to increase Hajj fee repayment commitments.

References

Abdullah, M. Z. (2022). Analysis of Public Interest in Hajj Savings at Bank Syariah Indonesia. Journal of Islamic Economics, 7(1), 12-25.

Ahmad, N. (2023). Islamic Brand Image and Consumer Decision Making. Journal of Islamic Marketing, 14(5), 1234-1250.

Arminareka Perdana Internal Report. (2025). Growth Data of Leaders and Pilgrims 2025. Jakarta.

Assauri, S. (2020). Marketing Management. Jakarta: Rajawali Pers.

Bukhari, S. (2022). Financial Planning for Hajj: A Qualitative Study. Indonesian Journal of Religion, 5(1), 10-25.

Cahyono, B. (2021). The Impact of Hajj Waiting Periods on Interest in Saving. Journal of Social Economics, 9(2), 88-100.

Dewi, S. K. (2024). Leader Marketing Communication in Pilgrim Recruitment. Media Communication, 20(1), 45-58.

El-Gohary, H. (2023). Halal Tourism and Marketing Strategy. Journal of Halal Research, 6(2), 77-92.

Fadhli, M. (2021). Trust and Loyalty of Islamic Banking Customers. Journal of Islamic Banking, 4(2), 88-102.

Firmansyah, A. (2022). Consumer Behavior: Attitudes and Marketing. Pasuruan: CV Penerbit Qiara Media.

Ghozali, I. (2021). Multivariate Analysis Applications with IBM SPSS 26 Program. Semarang: Undip.

Handoko, T. (2025). Trust as a Mediator in Marketing Relationships. Journal of Strategic Business, 16(1), 12-28.

Hariyanto, D. (2023). Marketing Strategies of Hajj Travel Agencies in the Digital Era. Journal of Business Management, 15(3), 45-60.

Ibrahim, A. (2024). The Influence of Sharia Financial Literacy on Saving Decisions. Islamic Finance Review, 10(1), 5-18.

Ismanto, K. (2021). Sharia Management in Practice. Pekalongan: PT. Nasya Expanding Management.

Junaedi, M. (2024). The Influence of Spiritual Motivation on Hajj Repayment Decisions. Islamic Psychology, 11(3), 155-170.

Kotler, P., & Keller, K. L. (2021). Marketing Management (16th ed.). Pearson.

Kurniawan, D. (2023). SWOT Analysis of PT. Arminareka Perdana in Travel Competition. Journal of Economics.

Lestari, W. (2022). Factors Affecting Payment Decisions for Umrah Services. Journal of Management Research, 9(4), 210-225.

Mansur, H. (2023). Risk Management in Non-Bank Financial Institutions. Jakarta: Kencana.

Mulyani, S. (2022). Transparency Accounting of Hajj Funds. Journal of Sharia Accounting, 6(2), 90-105.

Nasution, S. A. (2021). Public Perception of Hajj Savings Programs. Scientific Journal of Islamic Economics, 7(2), 765-774.

Nugroho, A. (2021). Customer Trust in Online Payment Systems for Hajj. Journal of Fintech, 4(1), 55-68.

Pratama, R. (2025). Digitalization of Hajj Fee Payments and Administrative Efficiency. Technology in Finance Journal, 12(1), 33-40.

Putri, A. R. (2023). The Influence of Brand Trust on the Intention to Purchase Travel Services. Contemporary Marketing, 5(2), 112-120.

Rahmawati, E. (2022). Analysis of Muslim Consumer Behavior in Hajj Financial Planning. Journal of Muamalat, 14(1), 50-65.

Rofiq, A. (2023). Sharia Economic Law in Indonesia. Jakarta: RajaGrafindo.

Saputra, M. (2024). The Role of Leaders in Religious Service Marketing Networks. Sociology of Marketing Journal, 8(3), 190-205.

Setiawan, B. (2026). Hajj Savings Product Innovation in the Post-Pandemic Era. Trends in Management, 14(1), 1-15.

Sugiyono. (2021). Quantitative, Qualitative, and R&D Research Methods. Bandung: Alfabeta.

Tanuatmodjo, H. (2023). The Influence of Savings Facilities on Customer Decisions. Economics and Business, 11(2), 201-215.

Utama, I. G. (2022). Religious Tourism Marketing. Yogyakarta: Andi Offset.

Wahyuni, S. (2021). Service Quality and Customer Trust in Hajj Travel. Journal of Religious Tourism, 3(1), 22-35.

Yusof, M. (2025). Global Trends in Hajj and Umrah Management. International Journal of Islamic Studies, 18(4), 300-315.

Zulhasmi. (2024). Legal Certainty in Hajj Savings in Indonesia. Journal of Economic Law, 13(2), 140-155.

Downloads

Published

2026-06-28

How to Cite

Sobarsari, W., Jaelani, A., & Paryanti, A. B. (2026). The Influence of Hajj Repayment Savings Programs and Trust on Hajj Fee Payment Decisions (A Study on Leaders at PT. Arminareka Perdana). Greenation International Journal of Tourism and Management, 4(2), 238–246. https://doi.org/10.38035/gijtm.v4i2.899

Issue

Vol. 4 No. 2 (2026): (GIJTM) Greenation International Journal of Tourism and Management (June - August 2026)

Section

Articles

License

Copyright (c) 2026 Wiwi Sobarsari, Achmad Jaelani, Atik Budi Paryanti

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Copyright :

Authors who publish their manuscripts in this journal agree to the following conditions:

  1. Copyright in each article belongs to the author.
  2. The author acknowledges that the Greenation International Journal of Tourism and Management (GIJTM) has the right to be the first to publish under a Creative Commons Attribution 4.0 International license (Attribution 4.0 International CC BY 4.0).
  3. Authors can submit articles separately, arrange the non-exclusive distribution of manuscripts that have been published in this journal to other versions (for example, sent to the author's institutional repository, publication in a book, etc.), by acknowledging that the manuscript has been published for the first time at GIJTM.