Factors That Influence Public Interest In Choosing Islamic Bank Financing Products

Muharromah, Syahriyatul; Huda, Nurul; Muslikh, Muslikh; Rini, Nova

doi:10.33830/jom.v17i1.1085.2021

Cited by 2 publications

(9 citation statements)

References 8 publications

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“…Direct coefficient of 0.260 states that Subjective Norms have a positive effect on Community Interest, so that the initial prediction that Subjective Norms has a positive and significant effect on Community Interest can be accepted. This research is not in line with research conducted by Muharromah, et. al.…”

Section: Discussion Community Interest On Sharia Bank Financingcontrasting

confidence: 98%

“…al. (2020), Huda (2012) and Muharromah (2021), but not in line with the results of research by Pabbajah (2019), Cahya (2021), Amin (2011. This means that this study implies that the level of religiosity and subjective norms can be influenced by the amount of community interest which then has a positive impact on financing decisions at Islamic banks.…”

Section: Indirect Analysismentioning

confidence: 74%

“…(2012) found a significant effect between behavior control and intention. The results of research by Muharromah, et. al.…”

Section: Introductionmentioning

confidence: 98%

“…This good quality includes the objectives, funding processes, financing organisations' principles, financing policies, procedures, planning, financing strategies, management, and monitoring. Competent Islamic bank employees must manage the banking financing business according to international prudence principles and have proven reliability (Muharromah et. al., 2021).…”

Section: Introductionmentioning

confidence: 99%

See 3 more Smart Citations

Does the Community's Perspective Encourage Customers to Take Financing Products at Sharia Bank?

Muharromah,

Huda,

Muslikh

et al. 2023

JEBIS

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This study aims to determine community interest in financing products at Islamic banks with a modified Theory Planned Behavior (TPB) approach. These modified TPB variables consist of knowledge, religiosity, attitudes, subjective norms and behavioural control. This research was conducted in Jakarta. Islamic banks located in the Jakarta area are the object of this research, and the sample is 130 respondents. The quantitative method with the Partial Least Square (PLS) analysis model approach with SmartPLS 2.0 software is the method used in this study. The variables of knowledge, religiosity, attitudes, subjective norms and behavioural control are exogenous, while the intervening variable is community interest, and the endogenous variable is financing decisions. The variables of knowledge, religiosity, attitudes, subjective norms and behavioral control, which have a direct positive and significant effect on the community's interest in using Islamic bank financing products, are the results of this study. Knowledge, Attitude and behavioural control directly and significantly positive affect the community's decisions to choose financing products in Islamic banks. The higher people's knowledge, Attitude and behavioural control, the higher the financing decision becomes the implications of this research result. Religiosity and subjective norms significantly negatively affect the decision to choose financing products in Islamic banks. In addition, community interest also has a positive and significant effect on financing decisions. This means that, community interest can significantly mediate knowledge, religiosity, subjective norms, attitudes, and behavioral control influence financing decisions. Based on the research results, Indonesian Islamic Banks can develop business by emphasizing the religiosity side to inspire people to prefer financing of Islamic banks over conventional banks. Furthermore, Bank Syariah Indonesia should use social-environmental reference factors like friends, family, neighbors and religious figures

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Section: Discussion Community Interest On Sharia Bank Financingcontrasting

confidence: 98%

Section: Indirect Analysismentioning

confidence: 74%

“…(2012) found a significant effect between behavior control and intention. The results of research by Muharromah, et. al.…”

Section: Introductionmentioning

confidence: 98%

Section: Introductionmentioning

confidence: 99%

See 2 more Smart Citations

Does the Community's Perspective Encourage Customers to Take Financing Products at Sharia Bank?

Muharromah,

Huda,

Muslikh

et al. 2023

JEBIS

View full text Add to dashboard Cite

show abstract

“…It this study ignores this factor. In this study, we will pay attention to the Attitude factor, even though it has been proven insignificant by Muharromah et al, (2021) because Attitude shows more feelings or evaluations of prospective customers towards financing products, positive or negative ratings. Apart from that, social influence factors are also considered, as stated in research of Prastiwi & Zuhdi (2022), that the social environment positively impacts people's desire to save in Islamic banks.…”

Section: Hypothesis Developmentmentioning

confidence: 99%

Determinants of Non-Muslim Creative Entrepreneurs' Interests Applying Financing at Sharia Bank

Soelistyo¹

2023

JBK

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Islamic banks operated based on Islamic principles and were more affected by the Covid-19 pandemic than conventional banks because of their higher fee structure. However, to restore the economy, more and more non-Muslim entrepreneurs are applying for business financing at Islamic banks. This study aimed to determine the factors that strongly influence the interest of non-Muslim creative entrepreneurs in Malang to apply for financing at Islamic banks. Using a sample of 112 creative entrepreneurs selected by accidental purposive sampling, the quantitative data obtained from distributing the questionnaires was finally analyzed using PLS-SEM high-level analysis. The study's results divulged four strong factors that influence the interest of non-Muslim creative entrepreneurs in applying for financing at Islamic banks: social influence, reputation, promotion, and services. In contrast, the other four factors did not have a strong effect. Future research is expected to consider the type of financing selected as a control variable.

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Factors That Influence Public Interest In Choosing Islamic Bank Financing Products

Cited by 2 publications

References 8 publications

Does the Community's Perspective Encourage Customers to Take Financing Products at Sharia Bank?

Does the Community's Perspective Encourage Customers to Take Financing Products at Sharia Bank?

Determinants of Non-Muslim Creative Entrepreneurs' Interests Applying Financing at Sharia Bank

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