Abstract
This study aims to analyze the influence of sharia bank products and the principles of sharia banks on customer decisions with perception as an intervening variable in Bank Jambi Syariah. Questionnaires were distributed to 301 customers. Analytical tool used is Structural Equation Modeling (SEM) analysis. The results indicate that sharia bank products, principles of sharia banks, and customer perceptions significantly influence both partially and simultaneously on the decision of Bank Jambi Syariah customers. Indirectly, products and principles of sharia bank significantly influence Bank Jambi Syariah customer decisions through customer perception. The dominant variable influencing customer decision is the principles of sharia bank. The originality of the model is reflected on the addition of an intervening variable, showing that there is a greater impact on the customer decision by including perception compared to the impact without including customer perception
Highlights
Advancements in various sectors of live never stop in line with the increasingly complex human needs and desires
Customer responses to the Islamic/Sharia banking products (X1) which consist of three indicators, namely funding, financing, and service have the average score of 3.57
It means that the customers feel that sharia banking products are good
Summary
Advancements in various sectors of live never stop in line with the increasingly complex human needs and desires. Banking industry development is no less rapid with developments in other sectors with its new findings in effort to meet the life necessities. The presence of Islamic Banks or Sharia Banks is a new thing in the modern economic system, where its emergence is in line with intense efforts in supporting Islamic economics carried out by Islamic economists. They believe that Islamic banks will be able to replace and improve conventional economic system which is based on interest (Antonio, 2012). The average growth of assets of sharia banks is generally higher than conventional banks, which is 18.81% in 2012-2018 (Jayani, 2019)
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