Pengaruh Persepsi Nilai Pelanggan terhadap Adopsi menggunakan Bank Syariah

Dewi Fadila

Abstract


Islamic banking in Indonesia is the largest retail banking in the world. Indonesian sharia banking has been recognized worldwide as an unquestionable and applicable sharia bank so that it becomes an example of reference and a place of learning for sharia banks from various countries. The problem currently faced by Islamic banking in Indonesia is how to make the majority Muslim community become customers in Islamic banking. Islamic banks in Indonesia face a major problem in getting Muslims to become customers. This study aims to determine whether the supporting functional values, professionalism functional values, fairness values, emotional values and social values influence the adoption of Islamic banking. As well as whether the dominant variable influences the adoption of using Islamic banks. The population in this study were Islamic bank savings customers in Palembang City, which consisted of Bank Sumsel Babel Syariah, Bank Syariah Indonesia, Bank Muamalat, OCBC Syariah with a sample of 370 people. The results of the study found that supporting functional values, professionalism functional values, fairness values, emotional values and social values jointly affect the adoption of using Islamic banking with social values as the most dominant values in this study.

Keywords


Islamic Banking, Adoption Value, Social Value, Consumer Interest.

Full Text:

PDF

References


Arif, Ashal, F. F., & Isnaliana. (2021). Pengaruh Persepsi Nasabah dan Minat Terhadap Keputusan Memilih Tabungan Firdaus di Bank Aceh Syariah. Journal of Sharia Economics.

Ashton, J., & Pressey, A. (2004). The Regulatory Challenge to Relationship Marketing in UK Banking. International Journal of Bank Marketing.

beritasatu.com. (2020). Diambil kembali dari Berita Satu: http://www.beritasatu.com/ekonomi/306719-nasabah-bank-syariah-1875-persen-dari-total-konvensional.html

Dorifli, Z. (2020). Kepemilikan Rekening di Bank Syariah Meningkat. Diambil kembali dari Mars Indonesia: http//www.marsindonesia.com/newsletter/kepemilikan-rekening-di-banksyariah-meningkat

Fernandez, R. S., & Bonillo, M. A. (2007). The concept of perceived value: a systematic review of the research. SAGE Journals. 7(4).

Hassan, O., Romily, P., Giorgini, G., & Power, D. (2008). The Value Relevance of Disclosure: Evidence from the Emerging Capital Market of Egypt. . The International Journal of Accounting.

Ivanauskiene, N., Auruskeviciene, V., Skudiene, V., & Nedzinskas, S. (2012). Customer Perceptions of Value: Case of Retail Banking. Organizations and Markets in Emerging Economies.

Kaufman, A., & McLean, J. (1998). An Investigation Into the Relationships of Customer Perceived Value, Satisfaction, Loyalty and Behavioral Intention. Journal of Relationship Marketing. 6 (1).

Khalifa, A. (2004). Customer Value: A Review of Recent Literature and an Integrative Configuration. Journal Management Decission.

Kotler, P., & Keller, K. L. (2016). Marketing Management 15th Edition. London: Pearson Education.

Kristanto, H. (2022). Adoption of Islamic Banking in Financial Satisfaction: Study on Bank Syariah Indonesia Yogyakarta Region. Jurnal Riset Akuntansi dan Bisnis Airlangga Vol 7 No 2.

Kumar, V., Shah, D., & Vanketesan, R. (2006). Managing Retailer Profitability - One Customer at a Time. 82 (4). Journal of Retailing.

Laporan Perkembangan Keuangan Syariah 2018. Jakarta: Otoritas Jasa Keuangan.

Lovelock, C. H. (2000). Classifying Services to Gain Strategic Marketing Insights. Journal of Marketing.

Mifrahi, M. N., & Tohirin, A. (2020). How Does Islamic Banking Sipport Economic Growth? SHARE Jurnal Ekonomi dan Keuangan Islam, 72-91.

Muhamat, A. A., Jaafar, M. N., Alwi, S. S., & Karim, N. A. (2022). Sustainability of Islamic Bank CSR Programs: Experience from the Emerging Market. Iranian Economic Review. 26 (2), 435-443.

Muttaqin, D. D. (2017). Kualitas Produk, Pelayanan dan Nilai Syariah terhadap Persepsi Mahasiswa Ekonomi Islam untuk Menjadi Nasabah Bank Syariah. Falah: Jurnal Ekonomi Syariah, 196-210.

Park, C. W., Jaworski, B. J., & Macinnis, D. J. (1986). Strategic Brand Concept-Image Management. Journal of Marketing.

Perjalanan Perbankan Syariah di Indonesia. (2016) Palembang: Bank Indonesia .

Rammal, H. G., & Zurbruegg, R. (2016). Awareness of Islamic Banking Products among Muslims: The Case of Australia. Journal of Financial Services Marketing 12 (1).

Rashid, M., & Hassan, M. (2014). Market Value of Islamic Banks and Ethical Identity. American Journal of Islamic Social Sciences. 31 (2).

Reuters, T. (2020). State of the Global Islamic Economy Report 2019/20. Dubai: Dinar Standard.

Saeed, M., Ahmed, Z., & Mukhtar, S. (2001). International Marketing Ethics from an Islamic Perspective: A Value Maximization Approach. Journal of Business Ethics. 32 (2).

Seth, J. N., Newman, B. I., & Gross, B. L. (1991). Why We Buy What We Buy: A Theory of Consumption Values. Journal of Business Research.

Sweeney, J. C., & Soutar, G. N. (2001). Consumer Perceived Value: The Development of a Multiple Item Scale. Journal of Retailing.

Saini, Y., Bick, G., & Abdulla, L. (2011). Consumer Awareness and Usage of Islamic Banking Products in South Africa. . South African Journal of Economic and Management Sciences. 14 (3).

Seth, J. N., Newman, B. I., & Gross, B. L. (1991). Why We Buy What We Buy: A Theory of Consumption Values. Journal of Business Research.

Susanto, A. (2004). Value Marketing : Paradigma Baru Pemasaran. Jakarta Selatan: Mizan Media Utama.

Sweeney, J. C., & Soutar, G. N. (2001). Consumer Perceived Value: The Development of a Multiple Item Scale. Journal of Retailing.

Zeithaml, V. A. (1988). Consumer Perceptions of Price, Quality, and Value: A Means-End Model and Synthesis of Evidence. Journal of Marketing.




DOI: https://doi.org/10.32502/jimn.v12i2.5915

Refbacks

  • There are currently no refbacks.


Creative Commons License
Jurnal Ilmu Manajemen is published by Pascasarjana Management Department. This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

INDEXED / ABSTRACTED

     BASE Logo      logo