DAMPAK KEBIJAKAN PEMBEKUAN REKENING DORMANT TERHADAP KEPERCAYAAN PUBLIK MASYARAKAT KOTA SURABAYA DENGAN PERSEPSI KEAMANAN
DOI:
https://doi.org/10.24246/dekat.v5i1.19929Keywords:
Kebijakan Pembekuan Rekening Dormant, Kepercayaan Publik, Persepsi Keamanan, Freezing Policy, Dormant Accounts, Public Trust, Perception of SecurityAbstract
Kebijakan pembekuan rekening dormant menjadi perhatian publik di tengah meningkatnya pengawasan sektor perbankan untuk mencegah penyalahgunaan rekening. Di Kota Surabaya sebagai kota metropolitan dengan aktivitas perbankan tinggi, kebijakan ini berpotensi memengaruhi kepercayaan masyarakat. Penelitian ini bertujuan menganalisis dampak kebijakan pembekuan rekening dormant terhadap kepercayaan publik dengan persepsi keamanan sebagai variabel intervening. Penelitian menggunakan pendekatan kuantitatif dengan desain survei eksplanatori terhadap 120 nasabah perbankan di Surabaya yang dipilih secara purposive. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan SEM-PLS dengan SmartPLS 3.0. Hasil menunjukkan bahwa kebijakan pembekuan rekening dormant berpengaruh positif dan signifikan terhadap kepercayaan publik dan persepsi keamanan. Persepsi keamanan terbukti memediasi hubungan tersebut. Temuan ini menegaskan pentingnya transparansi dan komunikasi kebijakan untuk meningkatkan rasa aman dan menjaga kepercayaan publik terhadap sistem perbankan.
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