Islamic Banking Services Research Articles

The Analysis of Generation Z's Perception in Decisions on Selection of Islamic Banking Service

Islamic Banking as an alternative financial institution for the community and its current condition is growing. Likewise with some sharia products offered began to adjust to the needs of the community. Given that most of Indonesia's population is Muslim, the potential for the development of Islamic banking is also quite large. Islamic banking should be able to develop more broadly to demonstrate sharia values reflected in law, economic, social and political institutions. The Islamic banking system is expected to apply Islamic economic rules to avoid the conventional system to conform to Islamic religious teachings. The development of Islamic banking customers today not only targets the worker segment but also targets generation Z, the majority of whom this year work as students. The current condition of Islamic banking is unknown among generation Z, so it is necessary to analyze what factors influence the selection of Islamic banking as a financial institution to facilitate economic activities. The results of the analysis can be formulated to carry out strategies related to marketing, operations, risk, and finance in carrying out activities. In answering this, research was conducted using quantitative methods using multiple linear regression which aimed to see psychological, cultural, social, personal, and marketing factors in relation to the selection of Islamic banking. The results showed that partially psychological factors, social factors, personal factors and marketing factors had a positive effect on variable Y, namely the selection of Islamic banking services generation Z and factor X represented by cultural factors had a negative influence not significantly.

The Effect of Islamic Financial Literacy on the Decision to Use Islamic Banking Services in the City of Ternate with Religion as a Moderating Variable

This study aims to examine the influence of islamic financial literacy towards the utilization of islamic banking services. Religiosity as a moderating variable. The sample in this study were customer of Islamic banking in Ternate City taken by purposive sampling method. The number of samples used were 100 respondents. The method of analysis of this research used simple linear regression analysis and moderated regression analysis with SPSS. The result of this research showed that Islamic financial literacy has a positive and significant effect to the utilization of islamic banking services. Meanwhile religiosity weakens the connection between islamic financial literacy and the utilization of islamic banking services.

Pengaruh Behavioral Intention dan User Behavioral terhadap Gender sebagai Variabel Moderasi

This study aims to prove the effect of performance expectancy, effort expectancy, social influence and facilitating conditions on the behavioral intention of customers in the city of Padang to use Islamic banking mobile banking in the city of Padang. In addition, this study aims to prove the role of gender as a moderator of the relationship between behavioral intention and customer user behavior. Using sharia banking mobile banking services in the city of Padang. Data collection was carried out by distributing questionnaires which were carried out directly or using the Google form. The data analysis method was carried out using the Structural Equation Model. Based on the results of hypothesis testing, it was found that performance expectancy, social influence, facilitating conditions had a significant effect on behavioral intention, besides that it was also found that gender did not moderate the relationship between behavioral intention and user behavior of customers using Islamic banking mobile banking services in Padang City.

Persepsi Layanan perbankan syariah menurut Kiai dan Asatidz (Studi Ponpes Syifaul Qulub Kecamatan Tebo)

This study aims to determine the perceptions of Kiai and Asatidz at the Syifaul Qulub Islamic boarding school, Tebo district, toward Islamic banking service. This study used a qualitative approach with data collection methods through interviews, observation and documentation. The type of research used is primary and secondary by utilizing data obtained from the field and written data in the form of reports and documentation. This study uses indicators such as responses, opinions and assessments which are used as a reference for formulating problems related to the discussion of the perceptions of Kiai and Asatidz. Based on the research conducted, the results obtained were that there were various kinds of perceptions or views of Kiai and Asatidz regarding Islamic banking. Especially on the knowledge of Kiai and Asatidz who are still not good about islamic banks. So that among them there are still many who have not used Islamic bank. The author hopes that this research will be a positive update related to cases of problems that occur in the perceptions of kiai and Asatidz. So that in the future they can experience better progress toward knowledge of islamic bank and they are more aware of the existence of these Islamic banks. Keyword: Perception, Islamic Bank Service

Analytical Study of the influence of Relative Advantage and Compatibility on Customers’ Adoption of Islamic Banking in Pakistan

Although Pakistani Islamic banks offered consumers of Islamic banking and the country at large desirable opportunities, customer adoption remained low in Pakistan. Rogers' (2003) Diffusion of Innovation Theory was used in this study to examine the effects of relative advantage and compatibility on customer adoption of Islamic banking goods and services in Pakistan. The study looked at how adoption is directly impacted by relative advantage and compatibility. Relative advantage and compatibility were found to have a considerable impact on adoption, supporting hypotheses H1 and H2.

ISLAMIC BANK CUSTOMERS’ ADOPTION OF DIGITAL BANKING SERVICES: EXTENDING DIFFUSION THEORY OF INNOVATION

This paper examines the factors that drive non-users of digital banking services rendered by Pakistani Islamic banks to adopt digital banking using the Diffusion theory of Innovation (DOI). We gather data from 208 Islamic bank customers who do not use digital banking services. Findings of the study reveal that adoption of digital services offered by Islamic banks are largely decided by relative advantage, technology self-efficacy and complexity. All the factors above are influential in determining the digital banking adoption by non-users. The finding serves as an essential input to banks and policy makers in expanding the adoption of digital banking services of Islamic banks.

Overview Inklusi Keuangan; Studi Literasi Keuangan Syariah Terhadap Masyarakat.

Public literacy in Islamic finance is still relatively low, especially in the Islamic banking sector. This causes the market share of Islamic banking to be 5.95 below that of conventional banking. This research topic focuses on the issue of positive or negative influence between Islamic financial inclusion and Islamic financial literacy. In addition, the application of sharia principles is also related to issues that affect sharia financial inclusion. Exposure to sharia literacy and sharia principles has not yet touched all levels of society. The use of Islamic banking services is still not based on these two factors.

Islamic financial literacy, spiritual intelligence, public perception and behaviour on public interest in Islamic banking services

Islamic financial literacy, spiritual intelligence, public perception and behaviour on public interest in Islamic banking services

STRATEGI PEMASARAN PERBANKAN SYARIAH UNTUK MENARIK MINAT MENABUNG MASYARAKAT MILENIAL

Marketing issues are an obstacle for Islamic banking. This has an impact on the low public interest in Islamic banking services. The lack of socialization to the community has resulted in people still tending to entrust all their financial activities to conventional banks. Marketing strategy is the spearhead for banks to introduce and market excellence products. In this terbaru era, the strategy in marketing products must be more adaptable, especially to the millennial community. Today's society cannot be separated from the digital world and social media, almost all of their activities involve digital. applied in increasing public interest must also be developed so that all levels of society can recognize the products offered more easily. This encourages researchers to conduct further research, one of which concerns the marketing aspect.

Pengetahuan, Fitur Produk Dan Kebutuhan Produk Terhadap Keinginan Mengunakan Jasa Layanan Bank Syariah di Pondok Pesantren

Sharia banking as a national asset grows 9.22% in 2020 in Muslim-majority countries, the aim of this research is to find out the effect of knowledge, product features and the need for the desire to use sharia banking financing and funding products in the city of Padang Panjang, which is predominantly a Muslim community. This type of descriptive quantitative research using a questionnaire technique, the population of Islamic boarding school teachers is 211 people and the research sample is 138 people, multiple linear analysis techniques. Analysis with validity, reliability and multiple linear regression analysis techniques. Research results individually have no significant effect on making prospective customers use Islamic bank services, but prospective customers want to use Islamic banking services because there is a need for bank products

Keputusan Mahasiswa Menggunakan Jasa Perbankan Syariah : Apakah Pengaruh Literasi Keuangan Syariah ?

This study aims to determine the effect of Islamic financial literacy on the decisions of students majoring in Islamic banking at the Faculty of Economics and Islamic Business IAIN Batusangkar in the use of Islamic banking services. This type of research is field research with an associative descriptive quantitative approach. The analysis technique uses simple linear regression. Data collection techniques using questionnaires from sample data as many as 85 people. The results showed that Islamic financial literacy had a positive and significant effect on the decisions of students majoring in Islamic banking in using Islamic banking services with a contribution of 58.9%. The rest is influenced by other variables not examined in this study

Determinants of Consumer Decisions to Adopt Islamic Banking Services in Indonesia

This study examines the influence of attitudes, subjective norms, perceived behavior control, and religiosity on consumer intention to adopt Islamic bank services. This study used 550 respondents from 26 provinces in Indonesia. The study develops a structural equation model (SEM) to achieve its purpose. The results show that attitudes, subjective norms, and perceptions of behavioral control affect people's interest in adopting Islamic banking services. Likewise, awareness, uncertainty, suitability, and relative advantage, affect the intention of the consumer to adopt Islamic banks' services. In contrast, religiosity does not affect community interest in adopting Islamic bank services. Further, normative beliefs affect subjective norms and self-efficacy, whereas facility conditions affect perceived behavior control of consumers' intention to adopt Islamic banking services. Attitudes, subjective norms, and perceived behavior control influence consumers' intention to adopt Islamic banking services. Accordingly, Islamic banks need to improve services to the public. Also, Islamic banks need to increase their understanding of religious religiosity to foster interest in adopting Islamic bank services

Subjective Norms Are Not Important for Millennials in Determining Their Interest in Technology: TAM and TPB Models Examines

<p>This study examines the factors influencing the intention to use Islamic mobile banking services. In this study, factors influencing millennials' interest in using Islamic mobile banking are perceived usefulness, perceived ease of use, attitudes towards behaviour, subjective norms and behavioural control. This research is a development of previous research, which also uses a combination model of TAM (Technology Acceptance Model) and TPB (Theory of Planned Behavior). Data analysis was performed using Smart PLS Software version 3.0 and IBM SPSS 25. The results of this study indicate that perceived ease of use, perceived benefits, attitude to use, and behavioural control influence students' interest in using Islamic mobile banking. Meanwhile, subjective norms do not affect students' interest in using sharia mobile banking. The implications of this research are relevant for bank management, strategic divisions, marketing and mobile banking analysts to pay attention to the factors influencing individual interest in using mobile banking in developing their information systems.</p>

Do customers' perceptions of Islamic banking services predict satisfaction and word of mouth? Evidence from Islamic banks in Bangladesh.

This study aims to investigate the customers' perceptions of Islamic banking services and their impact on satisfaction and word of mouth (WOM) with others. This study designs the bootstrapping procedures using a partial least square method to test path coefficient results. Structured questionnaires were distributed among clients of Islamic banks in Dhaka city, where 377 responses were collected for data analysis. The findings revealed that there is a highly significant relationship between security and customers' perception. Ethical responsibility and religious value have a positive and significant impact on customers' perception whereas benefit has a negative significant impact on customers' perception. Findings from this study also indicated that customers' perceptions mediate the effect of ethical responsibility, religious value, benefit, and security on satisfaction. In addition, customers' satisfaction mediates the effect of customers' perception and WOM. These findings can promote managers of Islamic banks to build customer satisfaction and WOM with Islamic banking services, and attain competitive advantage that may lead Islamic banks to succeed in the competitive business. This study also provides new insights into customers' WOM with others about Islamic banking services. This knowledge could assist Islamic banks to understand the customers' perceptions that would increase satisfaction and in turn, contribute to WOM with others in determining where would be best to target marketing attention of Islamic banking services with limited resources.

The development of Islamic banking and of some Halal services in the Republic of Tatarstan

The article explores the ideas of Muslim women about the development of the Halal industry in the Republic of Tatarstan. The relevance of the study lies in the significant number of Muslims who are interested in the development of the production of goods and services that meet the norms of Islam. The research considers the services provided in the field of Islamic banking (mortgage, lending), beauty and health services, the development of Halal Lifestyle in the Republic of Tatarstan. Thus, the paper reveals the problems of the industry, connected with the purchase of housing on a mortgage; overpriced beauty and health services; discrepancy between the cost and the quality of the products; lack of halal certification for some services etc. Attention is focused on the joint work of the official clergy, state authorities, employees of the Halal Committee under the Spiritual Administration of Muslims of the Republic of Tatarstan, manufacturers and suppliers of goods and services, as well as Muslim consumers to coordinate efforts and receive feedback. Within the framework of the study, the author relies on a semi-structured interview – the method of qualitative research.

Pengaruh Pengetahuan Masyarakat Tentang Produk, Pelayanan dan Lokasi Bank Dalam Memilih Jasa Bank Syariah di Kota Yogyakarta

AbstractThis study aims to test whether the variables of product knowledge, service knowledge, and knowledge of banking locations affect choosing Islamic bank services. This research was conducted using a quantitative methodology. Using a questionnaire and the research population is the people of Yogyakarta City. In this study, the sample uses purposive sampling with the criteria that people use Islamic bank services. Furthermore, in this study the data analysis used multiple linear regression analysis with an analytical tool, namely SPSS Version 23. The results illustrated that simultaneously the variables affected choosing Islamic bank products, namely F arithmetic 27.680 > 3.09 (F table). Partially the service knowledge variable with t count of 1.546 < 1.984 (t table) and location knowledge with t count of 1.635 < 1.984 (t table) do not affect choosing Islamic bank products.Keywords: Knowledge, Product, Service, Location, Islamic Bank.

Strategies For Improving The Sharia Financial Literacy Index In The Millenial Generation In Indonesia

This study aims to analyze the Islamic financial literacy index and strategies to increase the Islamic financial literacy index in the millennial generation because based on data released by the OJK through the 2019 National Financial Literacy and Inclusion Survey that the level of Islamic financial literacy is relatively low at 8.39%. The methodology in this study is to use qualitative research with a library approach by analyzing the results of a survey conducted by OJK relating to Islamic financial literacy. The results of this study explain that the Islamic financial literacy index for the millennial generation is low so several strategies are needed to increase the Islamic financial literacy index, namely strategies to educate and socialize the importance of Islamic finance in financial management for millennials through social media, strategies for government participation in increasing Islamic financial literacy, strategies for collaboration between the government and educational institutions in providing easy access to Islamic finance with programs for the millennial generation, strategies for utilizing influencer marketing in marketing Islamic banking products and services, and strategies for increasing the Islamic financial literacy index through the participation of Islamic financial institutions by providing rewards for the millennial generation who have utilized sharia financial products and services.

Islamic financial technology acceptance: An empirical study in Jordan

The present research endeavors to comprehend the determinants that impact the inclination to utilize financial technology within the context of Islamic banking clientele. The study undertakes an examination of various determinants that may exert an influence on the consumer's intention. These determinants encompass financial risk, legal risk, security risk, operational risk, consumer innovativeness, perceived ease of use, and perceived usefulness. The technology acceptance model is employed as the theoretical framework for the research. The requisite data for hypothesis testing is collected through the administration of an online survey to consumers of Islamic banks who possess a high degree of adaptability and proficiency in utilizing financial technology. The study employs the methodology of structural equation modelling with partial least squares to assess the proposed relationships among a sample of 399 participants. The results indicate that the acceptance of Islamic Financial technology services is contingent upon the perceived ease of use, perceived usefulness, and consumer innovativeness. In contrast, it is observed that various other factors, namely financial risk, legal risk, security risk, and operational risk, do not hold significant sway in shaping the level of acceptance of Islamic Financial technology among users of Islamic banking services. The concept of Technology Acceptance Model (TAM) is expanded within the realm of Islamic financial technology, and it is utilized to examine the impact of a novel factor, specifically consumer innovativeness. The untested nature of consumer innovativeness makes this paper a valuable resource for policymakers, academics, and researchers in the future.

Sosialisasi Perbankan Syariah di Desa Cijambu Kecamatan Tanjungsari Kabupaten Sumedang

The growth of Islamic banking in Indonesia is so rapid along with the increasingly sophisticated industrial technology at this time. However, it is very unfortunate that the majority of people in Cijambu Village do not understand this sharia-based financial institution. Even though there are many products and services of Islamic banks that can provide benefits and benefits for their customers. In this way, it is necessary to carry out the Socialization of Sharia Banking in Cijambu Village, Kec. Tanjungsari Kab. Sumedang. This study uses the Participatory Action Research (PAR) approach. The volunteers took part in the socialization and were quite enthusiastic about listening to the presentation material. This is evidenced by the response of the public in answering the questions raised in the discussion session, the enthusiasm in providing answers to the questions asked showed that the information submitted was well received by the participants, so that the problem of understanding Islamic banks which was still low was successfully explained and people become aware of Islamic banking. After the dissemination of Islamic banking, the public also knows and prevents them from borrowing money from emok banks, moneylenders, and so on, as well as because it is not in accordance with Islamic Sharia and members for lending because the interest offered is higher in returning the funds.

CUSTOMER PERCEPTION OF SERVICES QUALITY OF THE ISLAMIC BANKING IN MALAYSIA DURING COVID-19 PANDEMIC

The aims of this study is to explore the factors that affect customers’ satisfaction with Islamic banking services in Malaysia during Covid-19 pandemic. The study is basically conducted on the basis of primary data collected by a well-structured questionnaire using Google Form. The respondents were 102 customers of Islamic Banking in Malaysia by using a simple random sampling technique. Both descriptive and inferential statistics have been used in the study. Descriptive statistics include percentage, mean, standard deviation and inferential statistics include, Reliability test, ANOVA, and Multiple Regression analysis. Regression analysis applies to find the casual effect relationship between dependent and independent variables. The study results show that reliability, competence, and service quality have a positive and significant relationship with customer satisfaction except transparency. The study reveals that reliability, competence, and service quality significantly affect customer satisfaction of Islamic banking services during Covid-19 pandemic but transparency has no effects on satisfaction during the pandemic situation. The study emphasizes that the Islamic banking institutions in Malaysia should focus the reliability and competency to enhance the quality of services during the crisis periods and to meet the customers’ expectations which led to customer loyalty.