scholarly journals EXAMINING THE DETERMINANT FACTORS ON CONSUMER SWITCHING INTENTION TOWARD ISLAMIC BANK IN CENTRAL JAVA, INDONESIA

2020 ◽  
Vol 8 (2) ◽  
pp. 364-372 ◽  
Author(s):  
Sulis Riptiono ◽  
Agus Suroso ◽  
Ade Irma Anggraeni
Keyword(s):  
Quantitative Research ◽  
Consumer Trust ◽  
Islamic Banks ◽  
Consumer Awareness ◽  
Determinant Factors ◽  
Central Java ◽  
Important Concern ◽  
Consumer Intentions ◽  
Consumer Switching ◽  
Conventional Banks

Purpose of the study: The purpose of this paper is to examine the determinant factors that influence consumer switching intentions from conventional banks to Islamic banks in Central Java, Indonesia. Methodology: This study is quantitative research in which data is collected by using a survey with the questionnaire. Data was collected by distributing questionnaires to 480 Muslim respondents who were still registered as customers at three conventional government banks in Indonesia using purposive sampling techniques and analyzed with SEM-AMOS v24. Main Findings: The result showed that all out of the hypotheses tested, there is only one hypothesis that was rejected, is the fourth hypothesis. This research reveals that consumer trust in Islamic banks, consumer awareness and religiosity had a positive and significant effect on attitude toward Islamic banks. Furthermore, consumer awareness and religiosity are also able to predict consumer switching intentions at Islamic banks but consumer trust toward Islamic banks has insignificant consumer switching intentions at Islamic banks. Applications of this study: Based on the results of the study, conventional bank consumers' intentions to switch to Islamic banks are influenced by consumer awareness, level of religiosity, and consumer attitudes toward Islamic banks. Furthermore, this is becoming a very important concern for Islamic banks to pay more attention to the antecedents used in this study. Trust is an important predictor for companies in increasing intentions, in this study then it has not been proven to influence consumer intentions to move to Islamic banks. Trust will be able to increase intention if consumers have a good attitude towards Islamic banks. Novelty/Originality of this study: This study linked the variables of consumer awareness, religiosity, consumer trust, attitudes toward Islamic banks and consumer switching intentions on Islamic banks within a conceptual framework.

scholarly journals KIAI AND ISLAMIC BANK (The Typology of Kiai Based on Their Perception and Behaviour toward Islamic Bank)

1970 ◽  
Vol 5 (1) ◽  
pp. 1-8
Author(s):  
AM. M. Hafidz MS ◽  
Agus Fakhrina
Keyword(s):  
Sampling Technique ◽  
Phenomenological Approach ◽  
Primary Data ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Central Java ◽  
Conventional Banks ◽  
Important Position ◽  
Qualitative Phenomenological ◽  
And Behavior

This article aims to explain the perceptions and behavior of Moslem scholars (ulama/kiai) on the coast of Central Java toward Islamic banks. It is unassailable that finding out the kiai’s perception and behavior toward Islamic banks becomes unavoidable because the kiai occupies a very important position in the social structure as an agent of social change. In order to have an approriate understanding toward the perception and behavior, this study used qualitative-phenomenological approach. The main source of primary data were obtained from the kiai in Pekalongan region by using purposive sampling technique. Indepth-interview as the prominent method in gaining data was reinforced by observation method. To get validity of data, internal and external validity were performed. The former was taken through four stages, namely triangulation, emic process, member checking and prolonged time; and the latter through transferability. Data were analyzed inductively through three cronological steps, e.i. data reduction, display and conclusion drawing. Based on the perceptions and behavior of scholars toward Islamic banks, this study concludes that there are three categories of kiai. The first is an idealist compromise (kompromis-idealis) which argues that Islamic banks do not fully comply with sharia compliance yet, the use of Islamic banks is compulsory and conventional banks are not substitutes for Islamic banks. The second is a realistic compromise (kompromis realistis) which infers that Islamic banks are not fully accordance with sharia commpliance, the use of Islamic banks is not mandatory, but conventional banks are not substitutes for Islamic banks. The third is resistance (resisten) which argues that Islamic banks are not much different from conventional banks, so making use of Islamic bank is not obligation, and conventional banks substitute Islamic banks.

scholarly journals Consumer awareness and usage of islamic banking products in South Africa

2011 ◽  
Vol 14 (3) ◽  
pp. 298-313 ◽  
Author(s):  
Yvonne Saini ◽  
Geoff Bick ◽  
Loonat Abdulla
Keyword(s):  
South Africa ◽  
South African ◽  
Sampling Method ◽  
Islamic Banking ◽  
South African Context ◽  
Islamic Banks ◽  
Consumer Awareness ◽  
African Context ◽  
Automatic Teller Machines ◽  
Conventional Banks

This paper investigates the level of consumer awareness and use of Islamic banking products in South Africa. A non-probability sampling method was used whereby a questionnaire was administered to 250 respondents and statistically analysed to determine the factors that are important in the choice between Islamic or conventional banks. It was found that Muslims are aware of Islamic banks, but their rate of use is low, as Muslim customers regard efficiency, lower bank charges, the availability of automatic teller machines and an extensive branch network as important factors when it comes to choosing a bank, rather than religious motivations for compliance with Islamic conventions. It was concluded that, if Islamic banks wanted to attract and retain customers and remain relevant in the South African context, they would have to develop relevant strategies designed to meet customers’ needs. Religion as the sole motivation for  choosing Islamic banks is inadequate.

THE ISLAMIC VS CONVENTIONAL BANKS: AN EVIDENCE ON THE ECONOMIC DEVELOPMENT

2021 ◽  
Vol 02 (01) ◽  
pp. 68-81
Author(s):  
Muhammad Saqib Khan ◽  
Shaheera Munir ◽  
Ammara Mujtaba
Keyword(s):  
Quantitative Research ◽  
Banking System ◽  
Value Added ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Banking Systems ◽  
Tax Shield ◽  
Gross Value Added ◽  
Conventional Banks ◽  
Bank System

This paper highlights how financial and conventional bank system contribute to economic growth. As the Islamic banking system is grounded on shariah’s laws and Usury/RIBA (interest) are prohibited in Islam so there will be no tax shield in this banking system and they have to pay more tax as compared to the conventional banking system. By analyzing their performance and using the gross value-added contribution of both banking systems was observed. Six banks are selected for this purpose of which 3 Islamic banks i.e. Dubai. It is quantitative research so different ratios are used to examine both banking system performance and gross value added to give us information that to what extend both banking systems are contributing to the economy. In an examination, it has been exposed that both banking systems are conducive much to economy as conventional banks are developed their infrastructure is bigger than Islamic banks where Islamic banks just start near past a few years back.

Financing Relations Of MSME And Non-MSMEs, Number Of Syariah Bank Offices To Gross Regional Domestic Product

2021 ◽  
Vol 3 (1) ◽  
pp. 1-20
Author(s):  
Darma Taujiharrahman ◽  
Rahman El-Junusi ◽  
Zuhdan Ady Fataron
Keyword(s):  
Research Method ◽  
Quantitative Research ◽  
Domestic Product ◽  
Islamic Banks ◽  
Quantitative Research Methods ◽  
The Public ◽  
Central Java ◽  
Ex Post ◽  
Ex Post Facto ◽  
Central Java Province

AbstractPurpose - This study aims to analyse the relations of financing of MSME, non-MSMEs and the number of offices on Gross Regional Domestic Product of Central Java Province during 2014-2019.Method - This research is using The comparative causal research method which one of the ex post-facto quantitative research methods carried out by looking at the causal relationship between one change and another based on existing data.Result - The result of this research indicates that the financing of MSME and non-MSMEs had positive and significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019 and the number of offices had negative non-significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019.Implication - This study uses the data from Islamic bank in Central of Java and the Gross Regional Domestic Product of Central Java.Originality- The paper looks into the relations of the financial inclusion that provided by Islamic banks to the public in order to support the creation of economic growth in Central Java. The number of offices discribed the access to Islamic banks and the financing of MSME and non-MSMEs discribed the usage of Islamic banks in Central Java. 

scholarly journals The Effect of Religiosity, Profit Los And Sharing on Consumer Trust and Intention to Financing in Islamic Bank

2022 ◽  
Vol 6 (2) ◽  
pp. 21
Author(s):  
Rizal Ula Ananta Fauzi ◽  
Arman Ahmad ◽  
Zaki Bahrun Niam ◽  
Izian Idris ◽  
Isabela Indah Puspita Ningrum
Keyword(s):  
Profit Sharing ◽  
Religious Community ◽  
Consumer Trust ◽  
Target Market ◽  
Mediating Role ◽  
Islamic Bank ◽  
Good Market ◽  
Bank Managers ◽  
Consumer Intentions ◽  
Conventional Banks

With a majority Muslim population, Indonesia has a good market share for Islamic banks. The existence of conventional banks becomes a competition to determine the strategy of Islamic bank managers. This study aimed to examine the effect of honesty and profit-sharing on trust mediation on consumer intentions. This study uses SPSS analysis and the Sobel test to see the role of mediation. Samples were taken as many as 384 respondents from the Muslim community. The analysis results obtained that religiosity significantly affects consumer trust and intentions. Profit and loss sharing significantly impacts confidence and does not affect consumer intentions. Trust can provide a significant mediating role. In terms of increasing the factors that influence consumer intentions, company managers must build consumer trust, the opportunity for a religious community to become a potential target market.

scholarly journals ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM KONVENSIONAL DAN BANK SYARIAH ( STUDI 3 BUAH BANK UMUM KONVENSIONAL DAN 3 BUAH BANK UMUM SYARIAH )

2019 ◽  
Author(s):  
Irfan Azwar
Keyword(s):  
Financial Performance ◽  
Commercial Banks ◽  
Quantitative Research ◽  
Sample Selection ◽  
Financial Ratios ◽  
Islamic Banks ◽  
Test Analysis ◽  
Financial Ratio ◽  
Financial Ratio Analysis ◽  
Conventional Banks

This study aims to compare the financial performance of conventional commercial banks with sharia commercial banks in Indonesia in the period 2012-2016 using financial ratios. The financial ratios used consist of CAR, NPL, ROA, BOPO and LDR. The type of research used in this study is quantitative research. The data used in this study are data of bank financial statements for 2012 to 2016 obtained through several websites from the bank concerned. The sampling method used was purposive sampling, based on the sample selection criteria, obtained a sample of 6 banks, 3 banks for Islamic commercial banks and 3 banks for conventional commercial banks. Data analysis techniques used to compare the performance of conventional commercial banks with Islamic commercial banks are normality test and independent sample t-test. Analysis shows that there are significant differences between the financial performance of conventional banks and Islamic banks. Based on the comparison of financial ratio analysis, conventional bank financial performance is better in terms of CAR, NPL, ROA and BOPO ratios, while the financial performance of Islamic banks is better in terms of LDR ratio

scholarly journals Kinerja keuangan rumah sakit syariah: pendekatan Maqashid Syariah Concordance (MSC)

2020 ◽  
Vol 5 (2) ◽  
pp. 104-115
Author(s):  
Fadjar Setiyo Anggraeni
Keyword(s):  
Quantitative Research ◽  
Social Costs ◽  
Islamic Banks ◽  
Financial Reports ◽  
Incapacitated Patients ◽  
Conventional Banks

The purpose of this research is to help the management of the Sultan Agung hospital to measure performance with Maqashid Syariah Concordance (MSC). This type of quantitative research analyzes the financial reports of Islamic hospitals from 2015 to 2019, the data is calculated by making an index according to the Maqashid Syariah Concordance (MSC) model. The results showed that the portion of dakwah and social costs (daksos) was very good when compared to the value of zakat mal, the role of the sharia committee was in accordance with its function, the cooperation between Sultan Agung hospital and Islamic banks had a smaller proportion compared to cooperation with conventional banks, then ZIS and treatment of incapacitated patients has not been distributed periodically. Abstrak Tujuan dilakukan penelitian ini adalah membantu manajemen rumah sakit Sultan Agung mengukur kinerja dengan Maqashid Syariah Concordance (MSC). Jenis penelitian kuantitatif dengan menganalisis laporan keuangan rumah sakit syariah selama 2015 hingga 2019, data dihitung dengan membuat indeks sesuai model Maqashid Syariah Concordance (MSC). Hasil penelitian menunjukan porsi biaya dakwah dan sosial (daksos) sangat baik jika dibandingkan dengan nilai zakat mal, peran komite syariah sudah sesuai dengan fungsinya, kerjasama rumah sakit Sultan Agung dengan bank syariah memiliki proporsi lebih kecil dibandingkan kerja sama dengan bank konvensional, selanjutnya ZIS dan treatment terhadap pasien tidak mampu belum terdistribusi secara periodik.

scholarly journals PERAN KEPERCAYAAN MEMEDIASI PERSEPSI NILAI DENGAN NIAT MENGGUNAKAN E-MONEY DI KOTA DENPASAR

2017 ◽  
Author(s):  
Putu Riska Widiartini ◽  
Ni Nyoman Kerti Yasa
Keyword(s):  
Data Analysis ◽  
Image Quality ◽  
Perceived Value ◽  
Consumer Trust ◽  
Intention To Use ◽  
Test Results ◽  
Consumer Awareness ◽  
Analysis Technique ◽  
Consumer Intentions ◽  
The Relationship

This research aims to investigate the effect of perceived value to the intention of using e-money, mediated by trust. The population in this study is that people who already  know about e-money but have not used it. This research was did in Denpasar with 100 respondents as the sample. The data analysis technique used consisted of Path Analysis and Sobel test. Results from the study showed that the perceived value and trust had a positive and significant impact on consumer intentions to use e-money in Denpasar. The variable of trust also proved to be significantly able to mediate the relationship between perceived value to the intention of using. Suggestions for the publisher is expected to pay attention to image quality and security features of e-money to build the consumer perveived value is getting better and increasing consumer trust. Moreover important to continuously disseminate lesh cash society so that can improve consumer awareness and will be able to encourage consumer intention to use e-money.

scholarly journals AMANAH'S PHILOSOPHICAL VALUE IN SHARIA BANKING

2020 ◽  
Vol 2 (2) ◽  
pp. 21-30
Author(s):  
Luluk Latifah ◽  
Ahmad Zahro
Keyword(s):  
Quantitative Research ◽  
Bachelor's Degree ◽  
Islamic Banks ◽  
Trust Value ◽  
Quantitative Research Methods ◽  
A Value ◽  
Cross Tabulation ◽  
Conventional Banks ◽  
Doctoral Candidates ◽  
Conventional Bank

The philosophical value of the security is a very great value, which comes from Allah SWT, which is given to his creatures, and humans as the bearer of the highest mandatory value to carry out, maintain and implement it, with security between humans there will be a belief and this trust will ultimately cultivate an inner calm or soul. To find out and measure philosophical values of the trust in both conventional and Islamic banking, then in this study will present the results of the study with respondents divided into two groups, the first group is those with a bachelor's degree in general and the second group is those who have S2 degrees and doctoral candidates for Islamic Economics. Quantitative research methods, with frequency distribution and cross-tabulation of selected variables with data analysis using SPSS. Based on the results of the study, the values of security from the highest to the lowest are: In the first group of respondents, the values of security from the highest to the lowest are: (1) Value of Maintaining Trustworthiness, Islamic Banks get a value of 4.42 and a conventional bank of 3.67. (2) The value of responsible Islamic banks is 4.00 and conventional banks are 3.08. (3) The value of maintaining bank secrets, Islamic Banks is 3.92 and conventional banks are 3.83. (4) The trust value of Islamic Banks is 3.58 and conventional banks are 2.42. (5) Honest Value, carrying out the assignment of 2.17 for Conventional Banks and (6) Trust value in delivering messages 3.33 for Conventional Banks at Islamic Banks has the same value of 3.42. In the second group of respondents (1) The value of safeguards of customer secrets, Islamic banks get the highest value of 4.70. whereas Conventional Bank 4.0. (2) The value of guarding the customer's trust, Islamic banks get a value of 4.50 and Conventional Bank 3.60. (3) Value of liability, Islamic banks 4.40 and Conventional Banks 3.90. (4) Value can be trusted, Islamic banks get a value of 4.20, and Conventional Banks 3.40. (5) The value of honesty and ability to perform tasks, Islamic banks get a value of 4.10, while in conventional banks is the lowest value of 1.70.

scholarly journals KOMPARASI EFISIENSI PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL DI INDONESIA

2017 ◽  
Vol 2 (1) ◽  
pp. 61-74
Author(s):  
Imron Rosyadi
Keyword(s):  
Financial Performance ◽  
Quantitative Research ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Economic Activities ◽  
Comparative Efficiency ◽  
Banking Institutions ◽  
The Difference ◽  
Conventional Banks ◽  
Banking Institution

The purpose of this study was to: (i) acknowledge and examine the differences between the financial performance of Islamic banking with conventional banking, (ii) to analyze and explain the differences in efficiency levels between Islamic banking and conventional banking (iii) analyze and compare the efficiency of Islamic banking with banks conventional. The population used in this study is a commercial bank in Indonesia with 124 banking institutions with the details of five state banks and 119 private banks. sample of banking institutions in this study are 5 government-owned banking institution (s) and 12 institutions of Islamic banks. The method of analysis used in quantitative research is descriptive (analytic). Measurement and test efficiency and efficiency ratio of the difference of Islamic banking from conventional banking to use Supplier Data Analysis (DEA) and two different test mean (t-test). The results showed during the observation period 2012-2016, economic activities (banking) of Islamic banks are relatively more efficient than conventional banks Keywords: comparative, efficiency, financial performance

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