Exploring implicit and explicit attitude toward saving at Islamic bank

Setyobudi, Wahyu Tri; Wiryono, Sudarso Kaderi; Nasution, Reza Ashari; Purwanegara, Mustika Sufiati

doi:10.1108/jima-08-2014-0055

Cited by 17 publications

(13 citation statements)

References 45 publications

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“…Many people predict that this financial industry will experience rapid growth in line with the increasing public awareness of sharia banking (Danupranata, 2015). However, this prediction is not in line with the actual growth of sharia banking because the penetration of sharia banking assets in Indonesia is still around 4.58% (Setyobudi et al, 2015). This shows that the acceptance of society to sharia banking is still not satisfactory.…”

Section: Introductionmentioning

confidence: 88%

The Role of Religiosity on The Influence of Muslim Customer Perceived Value To Customer Satisfaction of Islamic Banking

Rahayu

2018

IJECA

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The successfull of Islamic Banking on the global market depends on the company’s commitment to provide excellent service to their customers. The concept of Muslim customer perceived value (MCPV) is composed of six dimensions that consists of quality, price, emotional value, social value, Islamic phisical attribute, and Islamic non phisical attribute. The purposes of this research are to determine the influence of MCPV to customer satisfaction of Islamic Banking at Malang Raya dan the role of religiosity in moderating those effects. One hundred and four respondents, who are customers of Islamic Banking, were involved in this research. Accidental sampling was used as sampling technique and instrument was tested by validity and reliability testing. Futhermore, data were analized by moderated regression analysis (MRA). The results of this research shows (1) Simoultaneously, Muslim customer perceived value (MCPV) influences the customer satisfaction and partially, there are only three variables that influence customer satisfaction such as price, social value, and Islamic non phisical attribute. Other variables such as quality, emotional value, and Islamic phisical attribute does not influence customer satisfaction; (2) Religiosity as a moderating variable on the influence Islamic non phisical attribute to the customer satisfaction. The moderating effect is streghtening the existing influence.

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Section: Introductionmentioning

confidence: 88%

The Role of Religiosity on The Influence of Muslim Customer Perceived Value To Customer Satisfaction of Islamic Banking

Rahayu

2018

IJECA

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“…Generally, a Á Sukūk bears a fixed or variable profit rate payable to the investor, which is set out in the contract terms of the Á Sukūk Source: Bank Nizwa, available at: www.banknizwa.om/islamic_banking_terms.html religious beliefs are not the only influence to select an Islamic bank (Awan and Bukhari, 2011;Usman et al, 2017). Studies inform that a collective set of factors such as attitudes (implicit and explicit), subjective norms, perceived financial cost, branding and the word of mouth affects customer's intention to choose IB products (Sun et al, 2012;Amin, 2013;Wilson et al, 2013;Amin et al, 2014;Ali et al, 2017;Dali et al, 2015;Sumaedi et al, 2015;Setyobudi et al, 2015;Wahyuni and Fitriani, 2017;Butt et al, 2018). Additionally, several overt and covert factors might induce or control consumers' behaviour.…”

Section: Mu á D Arabahmentioning

confidence: 99%

A study of customers’ perception of Islamic banking in Oman

Belwal

Maqbali

2019

JIMA

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Purpose The concept of Islamic banking (IB) as a discipline and the introduction of the full-fledged Islamic banks and Islamic windows are relatively newer developments in the banking sector in Oman. This paper aims to assess customers’ perceptions of the Islamic banks and IB windows in Oman. Design/methodology/approach Following the interpretive paradigm and an exploratory research design, data collected through personal interviews with a group of 60 respondents in two of the prominent cities in Oman were analysed qualitatively. Findings The study found that customers in Oman had mixed feelings about the Islamic Banks. While some of them were not sure if the banks follow the Islamic principles, a majority of them had not opened an account with the Islamic banks or Islamic windows. The study revealed some vulnerabilities in the areas of their operations, marketing practices, staff knowledge of products and customer-dealings, as well as customers’ understanding of Islamic banks, their principles and practices. Practical implications As the advent of IB is relatively new to Oman, the insights gained by this study will have wider implications for the growth of IB locally. The outcomes of this study would appraise the officials and regulators of Islamic banks and Islamic windows with customers’ perception of IB. The elimination of the identified weaknesses would help them to improve the knowledge, quality and the marketing and promotion of products and services while competing with the conventional banks. Originality/value This study is a pioneering effort to know the status of IB and customers’ motivations in Oman towards IB.

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“…Islamic Finance and in particular Islamic banking is growing tremendously in the flourishing global financial sector. Over the years, Islamic banks have shown better ability of stabilization as compared to their peers, conventional financial institutions (Setyobudi, Wiryono, Nasution, & Purwanegara, 2015). It is evident from the fact that Islamic financial industry since its inception has fused itself in the worldwide financial system and has become a major component of the mainstream finance (Lee & Ullah, 2007.…”

Section: Introductionmentioning

confidence: 99%

Attitudes towards Islamic Banks: The Impact of Religiosity and the Moderating Role of Trust

Zaid¹

2019

ijafr

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The purpose of this study is to analyze the impact of Muslim religiosity on attitudes towards Islamic Banks, considering the moderating role of public trust that exists towards these Islamic financial institutions. It identifies how trust towards Islamic banks in terms of their conformity with Shari’ah principles and their safe handling of deposits would affect common attitudes towards them. Data for the study was collected through questionnaires from 113 individuals participated in the survey. The data was analyzed through correlation and regression analysis. Results showed that religiosity (belief, practice, knowledge, experience and consequence) has positive impact on attitudes towards Islamic banks. It proved that the more a person is religion conscious the more he/she is inclined towards Islamic banks. Moreover, it was confirmed that trust has positive relationship with attitudes towards Islamic banks. However, results could not identify any significant moderating role of trust on the relationship between religiosity and attitudes towards Islamic banks. Practical implications of the results and avenues for further investigation are discussed for future research.

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Exploring implicit and explicit attitude toward saving at Islamic bank

Cited by 17 publications

References 45 publications

The Role of Religiosity on The Influence of Muslim Customer Perceived Value To Customer Satisfaction of Islamic Banking

The Role of Religiosity on The Influence of Muslim Customer Perceived Value To Customer Satisfaction of Islamic Banking

A study of customers’ perception of Islamic banking in Oman

Attitudes towards Islamic Banks: The Impact of Religiosity and the Moderating Role of Trust

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