Determinant of Consumer Decision on Islamic Banking

Sari, Dian Novita; Siswanto,; Maksum, Ikhsan; Abdani, Fadlil; Khan, Ryan Basith Fasih; Retnasih, Nora Ria; Setiani, Setiani; Masyhuri, Masyhuri

doi:10.18860/ed.v11i1.17736

Cited by 4 publications

(4 citation statements)

References 59 publications

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“…Therefore, several items had to be omitted from the analysis due to issues related to validity. With this consideration, the authors recommend that future studies reexamine indicators of religiosity to identify items that are more in line with the uniqueness of the Muslim cultural context in Indonesia (Sari et al, 2023).…”

Section: Religiosity Towards Saving Decisionsmentioning

confidence: 99%

“…Several variables influence public interest in Islamic digital banks, including religiosity (Hasib et al, 2023), security perception (Siska, 2022), and brand image (Aslam et al, 2022;Riyadi, 2021). Religiosity as a dimension of one's spirituality can provide a moral foundation in financial decision-making (Sari et al, 2023;Usman et al, 2020), while fintech security and brand image are factors that influence consumer trust and preference for banking services (Hidayat & Kassim, 2023;Nur et al, 2023;Tran, 2021). In the context of customers' decisions to deposit money in Islamic digital banks, these factors are crucial to understand.…”

Section: Introductionmentioning

confidence: 99%

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Determinants of Customer Decisions to Save at Sharia Digital Banks

Arifin,

Muhtadi,

Mi’raj

et al. 2023

Ekonomika Syariah

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<p><em>Lembaga keuangan perbankan di Indonesia mengalami transformasi digital yang pesat namun tingkat penerimaan Masyarakat masih tergolong rendah. Penelitian ini bertujuan untuk mengungkapkan dampak variabel religiusitas, keamanan fintech, dan citra merek terhadap keputusan nasabah untuk menyimpan uang di bank digital syariah. Penelitian ini menggunakan data primer yang diperoleh melalui penyebaran kuesioner atau angket, melibatkan 100 responden yang dipilih berdasarkan perhitungan lemeshow. Metode analisis yang digunakan adalah uji validitas, reliabilitas, uji asumsi klasik, uji regresi linier berganda dan uji hipotesis dengan menggunakan perangkat lunak SPSS 24 untuk menganalisis data penelitian. Hasil penelitian menunjukkan bahwa secara parsial variabel keamanan fintech dan citra merek memiliki pengaruh yang signifikan (Sig. <0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah, sementara variabel religiusitas tidak memiliki pengaruh signifikan (Sig. >0,005) terhadap keputusan nasabah untuk menabung di bank digital syariah. Temuan ini mendorong penelitian selanjutnya untuk mengeksplorasi faktor-faktor lain yang dapat memengaruhi keputusan nasabah dalam menggunakan layanan bank digital syariah. Sehingga mampu menjadi bahan evaluasi bagi industri bank digital syariah dalam meningkatkan pangsa pasar.</em></p>The banking and financial institutions in Indonesia have undergone rapid digital transformation; however, the level of public acceptance remains relatively low. This research aims to elucidate the impact of religiosity, fintech security, and brand image variables on customers' decisions to deposit money in Islamic digital banks. The study employs primary data obtained through the distribution of questionnaires, involving 100 respondents selected based on the Leveshow calculation. The analytical methods utilised include validity and reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing, all conducted using SPSS 24 software for data analysis. The results of the study indicate that, partially, fintech security and brand image variables exert a significant influence (Sig. <0.005) on customers' decisions to deposit money in Islamic digital banks. Meanwhile, the religiosity variable does not have a significant impact (Sig. >0.005) on customers' decisions to deposit money in Islamic digital banks. These findings propel further research to explore other factors that may influence customers' decisions to utilise Islamic digital bank services. Thus, it can serve as evaluative material for the Islamic digital banking industry to enhance market share

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Section: Religiosity Towards Saving Decisionsmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Determinants of Customer Decisions to Save at Sharia Digital Banks

Arifin,

Muhtadi,

Mi’raj

et al. 2023

Ekonomika Syariah

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“…Consumer knowledge encompasses the comprehensive range of information possessed by individuals on diverse items and services, with other cognizance pertinent to their job as customers. The assessment of sharia banking products include the extent of awareness and comprehension among the community about sharia-compliant financial goods and services (Sari et al, 2023). The deficiency in public comprehension of sharia banking goods and operations has been identified as a significant hindrance to the advancement of sharia banking.…”

Section: Introductionmentioning

confidence: 99%

The Impact of Non-Muslim Community Perspectives on Islamic Banking in Jayapura, Papua, Indonesia

Kambuaya,

Prahatnasari,

Annisa

et al. 2024

JCDA

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Islamic banks function as intermediary institutions governed by Sharia principles, catering to both Muslim and non-Muslim clientele. Operating within a Dual Banking System alongside conventional banks, Sharia-compliant banks engage in profit and loss sharing activities. The increasing clientele at Banks Syariah Papua encompasses not only Muslims but also a considerable number of non-Muslim customers. This study aims to examine the impact of location, product offerings, promotional activities on the inclination of nonMuslim individuals to patronize Banks Syariah Papua. The population studied is the non-Muslim population of Kecamatan Jayapura Utara, Papua Province. This study includes 123 samples from respondents. Research results indicate that location variable, product variable, and promotion variable have a significant impact on the attitudes of non-Muslim populations toward Bank Syariah Indonesia customer interest factors on the interest of non-Muslim customers to become customers at Banks Syariah Papua.

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“…Islamic banks' promotional and marketing endeavors have a significant impact on shaping customer choices regarding the adoption of digital banking services. According to Sari et al [8], implementing efficient promotional strategies has the potential to cultivate customer awareness and stimulate interest, thereby resulting in increased adoption rates.…”

Section: Introductionmentioning

confidence: 99%

Predicting the Effect of Digitalization and Brand Trust on Customers’ Saving Intention of Islamic Banking

Febriyanti,

Rahmadina,

Imro'ah

et al. 2023

AJEBA

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Aims: This study aims to determine the effect of digitalization on customers' saving intention of Islamic banking and also the mediating effect of brand trust on customers' saving effect. Study Design: This research was conducted using a quantitative research methods. The results of the research in the form of numbers are described in the form of interpretations of words and sentences so that they are clearly understood. Place of Study: The respondents in this study were 130 customers of Bank Syariah Indonesia located in Malang City. Methodology: The sampling technique in the research uses the Purposive Sampling method, where samples are taken based on the 13 indicators in this research so that the minimum number of samples that must be used in the research is 130 responses. The data collection process was carried out by distributing questionnaires. Data analysis techniques in the form of descriptive analysis using the Structural Equation Model (SEM) and mediation testing are carried out by bootstrapping operated using SmartPLS version 4. Results: The results of this study show that Digitalization and Brand Trust have a significant influence on Customer Interest in Saving at Bank Syariah Indonesia Malang City. Brand Trust is able to mediate the relationship of digitalization variables to customer interest in saving at Bank Syariah Indonesia, and Furthermore digitalization is the most dominant variable compared to other variables. Conclusion: Innovative digitalization at Bank Syariah Indonesia can reflect excellence in providing modern and efficient services. Digitalization which can be accessed via mobile applications also makes it easy for customers to make transactions and manage their savings from anywhere and at any time. This convenience can increase brand trust because customers feel that Bank Syariah Indonesia provides solutions that make customers' lives easier.

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Determinant of Consumer Decision on Islamic Banking

Cited by 4 publications

References 59 publications

Determinants of Customer Decisions to Save at Sharia Digital Banks

Determinants of Customer Decisions to Save at Sharia Digital Banks

The Impact of Non-Muslim Community Perspectives on Islamic Banking in Jayapura, Papua, Indonesia

Predicting the Effect of Digitalization and Brand Trust on Customers’ Saving Intention of Islamic Banking

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