Persepsi Masyarakat Terhadap Pemilihan Bank Syariah
DOI:
https://doi.org/10.22236/alurban_vol4/is1pp60-75Keywords:
Syariah; Konvensional; Bank; PersepsiAbstract
The purpose of this study is to study the views of the public who use conventional banks compared to Islamic Banks, also to give an assessment to the public about the choice of bank choice, to give an overview of making decisions related to people related to the selection of Islamic Banks, and to find reasons that support Indonesian people to choose a Sharia Bank. This research using questionnaire data of 126 people. The main points of this study consist of ability, attention, religious reasons (independent variable) and Consent (dependent variable). The outline of the results of this study is enough to study respondents' assessments of Islamic banks, for the highest relationship, on average many focus on questions on X2, Attention in the questionnaire are: Conventional banks are better than Sharia banks, The government must support Sharia banks, Facilities about Sharia Banks must be added, Sharia Bank Coverage (example: ATM) must added. This is the highest focus on the respondent in the view of Islamic banks on other questions.
Downloads
References
Al-Qaradawi, Y. (2005). Fatwa book: How Islam cares about the environment. [Accessed 14.05.18] http://islamonline.net/servlet/Satellite?pagename=IslamOnline- English-AskSc
Akbar, S., Syed, Z.A.S. and Shahin, K. (2012), "An investigation of user perceptions of Islamic banking practices in, the United Kingdom”, International Journal of Islamic and Middle Eastern Finance and Management, Vol. 5 No. 4, pp. 353-370.
Ariff, M., & Iqbal, M. (2011). Introduction to Islamic financial institutions. In M. Ariff, & M. Iqbal (Eds.), The foundations of Islamic banking: Theory, practiceand education (pp. 1–10). Cheltenham, UK; Northampton, MA, USA: Edward Elgar.
Amin, M. and Isa, Z. (2008), "An examination of the relationship between perception of service quality and customer satisfaction: a SEM approach towards Malaysian Islamic banks”, International Journal of Islamic Middle Eastern Finance and Management, Vol. 1 No. 3, pp. 191-209.
Beloufi, A., & Chachi, A. (2014). Islamic finance in the United Kingdom: Factors behind its development and growth. Islamic Economic Studies, 22(1), 37–78.
Chapra, M.U. (2000), "Is it necessary to have Islamic economics?”, Journal of Socio-Economics, Vol. 29 No. 1, pp. 21-37
Doumpos, M., Hasan, I., & Pasiouras, F. (2017). Bank overall financial strength: Islamic versus conventional banks. Economic Modelling, 64, 513–523. https://doi.org/10.1016/j.econmod.2017.03.026
El-Gamal, M. (2003). Interest and the paradox of contemporary Islamic law and finance? Fordham International Law Journal, 27(1), 107–149.
Erol, C. and El-Bdour, R. (1989), "Attitude, behaviour and patronage factors of bankcustomers towards Islamic banks”, International Journal of Bank Marketing, Vol. 7 No. 6, pp. 31-37.
Fasih, F. (2012). Inclusive growth in India through Islamic banking. Procedia - Soc. Behav. Sci., 37, 97–110. https://doi.org/10.1016/j.sbspro.2012.03.278
Gallhofer, S., & Haslam, J. (2004). Accounting and liberation theology: Some insights for the project of emancipatory accounting. Accounting, Auditing and Accountability Journal, 17(3), 382–407.
Haron, S., Ahmad, N. and Planisek, S.L. (1994), "Bank patronage factors of Muslim and non-Muslim customers”, International Journal of Bank Marketing, Vol. 12 No. 1, pp. 32-40.
Haque, A., Osman, J. and Ismail, A.Z. (2009), "Factor influences selection of Islamic banking: astudy on Malaysian customer preferences”, American Journal of Applied Sciences, Vol.6 No. 5, pp. 922-928.
Jinjiri Ringim, K. (2014). Perception of Nigerian Muslim account holders in conventional banks toward Islamic banking products. International Journal of Islamic and Middle Eastern Finance and Management, 7(3), 288–305. https://doi.org/10.1108/IMEFM-04-2013-0045
Karbhari,Y., Naser, K. and Shahin, Z. (2004), "Problems and challenges facing the Islamic banking system in thewest: the case of the UK”, Thunderbird International Business Review,Vol. 46 No. 5, pp. 521-543.
Keen, S. (1997), "From prohibition to depression: the western attitude to usury”, Proceedings of International Conference 1: Accounting, Commerce and Finance: the Islamic Perspective, University of Western Sydney, Macarthur, Sydney.
Khan, M.S. (1986), "Islamic interest-free banking: a theoretical analysis”, IMF Staff Papers, Vol. 33 No. 1, pp. 1-25.
Khattak, N.A. and Rahman, K.-U.-R. (2010), "Customer satisfaction and awareness of Islamic banking system in Pakistan”, African Journal of Business Management, Vol. 4 No. 5, pp. 662-671
Kuran, T. (2006). Islam & Mammon: The economic predicaments of Islamism. Princeton, NJ; Oxford: Princeton University Press.
Lewis, M.K. and Algaoud, L.M. (2001), Islamic Banking, Edward Elgar, Cheltenham.
Mannan, M.A. (1986), Islamic Economics: Theories and Practice, Islamic Publications, Sevenoaks,Hodder and Stoughton Kent, Originally Lahore.
Naser, K., Jamal, A. and Al-Khatib, L. (1999), "Islamic banking: a study of customer satisfactionand preferences in Jordan”, International Journal of Bank Marketing, Vol. 17 No. 3, pp. 135-150.
Pollard, J.S., Samers, M., 2007. Islamic banking and finance: postcolonial political economy and the decentering of economic geography. Trans. Inst. Br. Geogr. 32, 313–330.
Rashid, M. and Hassan, M.K. (2009), "Customer demographics affecting bank selection criteria, preference, and market segmentation: study on domestic Islamic banks in Bangladesh”, International Journal of Business and Management, Vol. 4 No. 6, pp. 131-146.
Riaz, U., Burton, B., & Monk, L. (2017). Perceptions on the accessibility of Islamic banking in the UK”Challenges, opportunities and divergence in opinion. Accounting Forum, 41(4), 353–374. https://doi.org/10.1016/j.accfor.2017.10.002
Sairally, S. (2007). Evaluating the social responsibility of Islamic finance: Learning from the experiences of socially responsible investment funds. Advances in Islamic Economics and Finance, 1, 279–308.
Sardar, Z. (2003). Slam, postmodernism and other futures: A Ziauddin Sardar reader eds. London: Pluto Press.
Shibani, O., & De Fuentes, C. (2017). Differences and similaritites between corporate governance principles in Islamic banks and Conventional banks. Research in International Business and Finance, 42(December 2009), 1005–1010. https://doi.org/10.1016/j.ribaf.2017.07.036
Zainol, Z., Shaari, R. and Ali, H.M. (2008), "A comparative analysis of bankers' perceptions on Islamic banking”, International Journal of Business and Management, Vol. 3 No. 4, pp. 157-168.
Downloads
Published
How to Cite
Issue
Section
License
The Author submiting a manuscript do so on the understanding thet if accepted for publication, copyright of the article shall be assigned to Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam, Faculty of Economics and Business, University of Muhammadiyah Prof. DR. HAMKA.
Copyright encompasses exclusive right to reproduse and deliver the article in all form and media, including reprint, photographs, microfilms and any other similar reproductions, as well as transalations. The reproduction of any part of this journal., its storage in database and its transmission by any form or media such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc..will be