non-Muslim Customers Research Articles

Research Pattern on Muslim Consumer Using Bibliometric Analysis

The purpose of this study was to provide a bibliometric review of 284 publications on Muslim consumers for the period from 1991 to 11 April 2023. This paper adopted bibliometric analysis using Biblioshiny software. A total of 284 documents obtained from the Scopus database were extracted and analysed. Results show that there has been continuous growth in publications on Muslim consumers since 2011. The Journal of Islamic Marketing published the highest number of articles related to the topic. The most cited article was “Bank patronage factors of Muslim and non-Muslim customers” and the most used keyword was “religiosity”. A thematic map was generated to provide a general overview of the basic or transversal emerging, motor, and niche themes in Muslim consumer literature. Data presented in this study were extracted from Scopus and future studies may be expanded to other databases. This paper provides information and guidance for other researchers wishing to embark research on Muslim consumer.

INFLUENCE OF RELIGIOUS BELIEFS ON HALAL PURCHASE INTENTION IN NON-MUSLIM CUSTOMERS

This study investigates the influence of religious beliefs, perceived benefits of halal products, social influence, and attitudes towards halal products on the halal purchase intention among non-Muslim customers in Surabaya. Utilizing a quantitative research design, data were collected from 150 non-Muslim respondents through an online survey distributed via social media. The analysis was conducted using SmartPLS to evaluate the relationships between the constructs. The findings reveal that even among non-Muslim customers, strong religious beliefs can foster positive attitudes towards halal products due to shared ethical and health values. Perceived benefits, including health, ethical, and quality advantages, significantly enhance attitudes towards halal products. Social influence from family, friends, and social media positively impacts non-Muslim customers' attitudes, highlighting the role of social endorsement in shaping perceptions. Furthermore, a positive attitude towards halal products is a strong predictor of purchase intention, indicating that favorable perceptions directly translate into a higher likelihood of purchase. These findings contribute to the understanding of consumer behavior in the context of halal products and offer practical implications for businesses aiming to target non-Muslim customers. By recognizing the importance of religious beliefs, perceived benefits, and social influence, companies can develop more effective marketing strategies to promote halal products beyond the Muslim community. .

The Impact of Non-Muslim Community Perspectives on Islamic Banking in Jayapura, Papua, Indonesia

Islamic banks function as intermediary institutions governed by Sharia principles, catering to both Muslim and non-Muslim clientele. Operating within a Dual Banking System alongside conventional banks, Sharia-compliant banks engage in profit and loss sharing activities. The increasing clientele at Banks Syariah Papua encompasses not only Muslims but also a considerable number of non-Muslim customers. This study aims to examine the impact of location, product offerings, promotional activities on the inclination of nonMuslim individuals to patronize Banks Syariah Papua. The population studied is the non-Muslim population of Kecamatan Jayapura Utara, Papua Province. This study includes 123 samples from respondents. Research results indicate that location variable, product variable, and promotion variable have a significant impact on the attitudes of non-Muslim populations toward Bank Syariah Indonesia customer interest factors on the interest of non-Muslim customers to become customers at Banks Syariah Papua.

Effect of Brand Elements on Organizational Success: A Moderating Approach to the Brand Experience of Muslim and Non-Muslim Customers of Islamic financial Products in Pakistan

The primary purpose of this research is to analyze the impact of brand elements on the achievement of an organization. In addition, the study also examined the moderating effect of brand experience on Muslim and non-Muslim customers' perception of Islamic products in Pakistan. This research examines the significance of brand elements in the success of organizations and compares the reactions of Muslim and Non-Muslim customers of Islamic Products in Pakistan. The researchers used Keller's renowned CBBE model to examine the impact of brand elements on organizational success. This research used the convenience sampling technique to gather data from customers of Islamic products. Following the completion of the missing value analysis, only 124 out of 150 respondents provided their replies. The study analysis indicates that the brand resonance of both Muslim and non-Muslim customers of Islamic products has a positive effect on the success of the organization. Additionally, the relationship between these consumers and the organization is also crucial for achieving success or improved performance. The study shows that both Muslim and non-Muslim consumers in Pakistan have positive responses towards Islamic products offered by Islamic banks. This information can be used by managers to implement this strategy for the success of their organizations.

A S tudy o n Non-Muslim Consumer s' P urchase Intention of H alal Food in Korea

Purpose: The demand for halal foods among non-Muslim customers is increasing in non-Muslim countries. This study investigates South Korean non-Muslim customers' halal food purchase intentions using an extended model of goal-directed behavior (EMGB). Design/methodology/approach: The study model combines halal awareness with the existing model of goal-directed behavior (MGB) variables and examines the moderating effect of word of mouth (WOM). Findings: The results indicated that attitudes, positive anticipated emotions, perceived behavioral control, and halal awareness influenced non-Muslim consumers' desire to purchase halal foods. Desire and halal awareness also predicted purchase intentions. Moreover, word of mouth (WOM) had a significant moderating effect on the desire to purchase intentions of halal foods. Research limitations/implications: The results of this study can be utilized in managing the halal food business by providing information on non-Muslim consumer characteristics. Originality/value: This study aims to provide implications for the globalization of halal food by identifying specific variables that affect the halal food consumption behavior of non-Muslim consumers.

Non-Muslim Customers' Perceptions on Sharia Banking Services: Evidence from Bank Muamalat Indonesia

This research aims to find out and explore the implications of sharia banking service quality in increasing loyalty among non-Muslim customers by taking a sample of non-Muslim customers at Bank Muamalat Indonesia Makassar Branch. This type of research uses qualitative research that is explanatory in nature. Primary data was obtained from observations and interviews with 8 (eight) respondents consisting of 6 non-Muslim customers and 2 employees. The research results concluded that non-Muslim customers' perceptions of banking services at Bank Muamalat were quite good. They consider Bank Muamalat to provide services that are fast response, informative and have a sense of empathy. Bank Muamalat provides the same service standards to all customers, both Muslim and non-Muslim. The mobile banking facilities owned by Bank Muamalat provide many conveniences to customers so that the informants assess that the service facilities owned by Bank Muamalat can compete with conventional banks in Indonesia.

The Influence of Product Knowledge and Word of Mouth on Non-Muslim Customers' Purchasing Decisions

The Influence of Product Knowledge and Word of Mouth on Non-Muslim Customers' Purchasing Decisions

How different believers’ perceptions of choosing halal hotels an empirical analysis of non-muslim customers in Jakarta

Purpose: The primary objective of this study was to understand the factors that influence non-Muslim clients' perceptions of halal hotels in DKI Jakarta, Indonesia. Research Methodology: Data were collected using questionnaires from 95 hotel guests in the DKI Jakarta region. Descriptive analysis and logistic regression were employed as analytical methods. Results: The results of the logistic regression revealed that education level and cost of hotel stay are significant determinants of non-Muslim consumers' selection of halal hotels. Limitations: This study was limited by its sample size of 95 visitors and geographical restrictions on the DKI Jakarta area. These variables may have affected the generalizability of our results. Contributions: This research enriches the halal tourism domain by elucidating non-Muslim guests' views on halal hotels and offering invaluable guidance for hoteliers, tourism entities, and policymakers to expand their target clientele in halal travel. Novelty: The novelty of this study lies in its focus on non-Muslim consumer perceptions, providing empirical evidence on how education and price influence hotel selection in the context of halal tourism.

How different believers’ perceptions of choosing halal hotels an empirical analysis of non-muslim customers in Jakarta

Purpose: The primary objective of this study was to understand the factors that influence non-Muslim clients' perceptions of halal hotels in DKI Jakarta, Indonesia. Research Methodology: Data were collected using questionnaires from 95 hotel guests in the DKI Jakarta region. Descriptive analysis and logistic regression were employed as analytical methods. Results: The results of the logistic regression revealed that education level and cost of hotel stay are significant determinants of non-Muslim consumers' selection of halal hotels. Limitations: This study was limited by its sample size of 95 visitors and geographical restrictions on the DKI Jakarta area. These variables may have affected the generalizability of our results. Contributions: This research enriches the halal tourism domain by elucidating non-Muslim guests' views on halal hotels and offering invaluable guidance for hoteliers, tourism entities, and policymakers to expand their target clientele in halal travel. Novelty: The novelty of this study lies in its focus on non-Muslim consumer perceptions, providing empirical evidence on how education and price influence hotel selection in the context of halal tourism.

Analisis Minat Nasabah Untuk Melakukan Pembiayaan Pada Bank BSI KC Kualasimpang

Banks that carry out their business activities based on sharia principles, or principles of Islamic law, are called sharia banks. As time goes by, Islamic banks are starting to have more Muslim customers. Bank BSI Kc Kualasimpang, for example, has active Muslim customers. Muslims are known to have great interest in Islamic sharia banking. BSI Bank Kc. Kualasimpang operates based on sharia principles and does not provide payment services. Because the data was obtained from direct observations at BSI Kc Kualasimpang, this is a type of field research. This study uses a qualitative methodology. Primary and secondary data were used in this research. Primary data consists of a description of the factors that influence non-Muslim customers. Secondary data consists of books related to the research topic. The author found two components: internal and external factors. The research results show that of the internal and external factors studied, the dominant external factors influencing non-Muslim customers' interest in BSI Kc Kualasimpang are promotion, service, location and social level. Work and motivation are internal factors. The more promotions and services offered by banks to non-Muslim customers, the more likely they will join an Islamic bank.

Layanan Bank Syariah Berbasis Multikultural

This study aims to reveal how multicultural-based services exist in PT. BPRS Artha Mas Abadi, and aims to prove that Islamic bank services are for all people and are universal. This study uses descriptive-qualitative, and data obtained from direct interviews with one of the executive officers at PT BPR Syariah Artha Mas Abadi and other sources which are collected and analyzed descriptively. This study shows that PT BPR Syariah Artha Mas Abadi's customers come from diverse communities. Evidence that Islamic bank services at PT BPR Syariah Artha Mas Abadi are multicultural-based services that do not discriminate between religion, ethnicity and culture as well as the professional background of its customers is that it has 52 non-Muslim savings customers and 10,918 Muslims with a customer background who come from various tribes and cultures as well as diverse customer professions. As for financing services, PT BPRS Artha Mas Abadi has 18 non-Muslim customers and 1,362 Muslim customers. This study suggests the need for a more massive role of the government and sharia banking practitioners to increase literacy and education to all people, both Muslim and non-Muslim, about sharia bank services.

Analisis Perilaku Nasabah Nonmuslim Dalam Memilih Produk Pembiayaan Murabahah Di Bank Syariah Indonesia KC. Jelutung Jambi

This study aims to find out how to analyze the behavior of non-Muslim customers in choosing murabaha financing products, how to analyze the decision process of non-Muslim customers, and how cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. Jelutung Jambi. The method of this research is using descriptive qualitative method with primary and secondary data types. Data collection techniques in this study were observation, interviews and documentation techniques, while for data analysis the researchers used data reduction analysis, data presentation and verification. The theory used in this research is the theory put forward by Kotler & Ketler that consumer behavior is the science of how individuals, groups and organizations choose, buy and use and obtain goods, services, ideas or experiences to satisfy their wants and needs. . According to Kotlert's theory, consumer behavior is divided into four types, namely cultural, social, personality and psychological factors. In the customer decision process is divided into five steps, namely decision making, namely, recognition of needs, information search, evaluation of alternatives, buying decisions, and post-purchase evaluation. The results of the study explain that the behavior analysis of non-Muslim customers in choosing murabaha financing at Bank Syariah Indonesia KC. In Jelutung Jambi, there were three informants, namely the first informant who worked as a teacher because he was interested because of the salary slip through the bank, and chose gold installment financing because the bank could insure the gold installments, low interest rates, and cheap rates compared to pawn shops. The second informant is taking home installments because the interest rates are low compared to other banks and if you are late paying the installments you are not subject to a fine/sanction of 0.5% to 1% of the amount of the installments that the customer has to pay. The third informant is working as a teacher as well and taking education expenses for their children because the process is fast and the interest rate is low at 3.3%, while at commercial banks it is 8.93%. The fourth informant took gold installments because of the low interest rates. The fifth informant took motorbike installments because the interest rate was lower than leasing, which was 8%. From the several informants above, it can be concluded that cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. In Jelutung Jambi.

Factors of Non-Muslim Customers Decision to Saving at Bank Syariah Indonesia (BSI)

Islamic banks are not specific to the Muslim community, but non-Muslims also use them. The customer certainly has a reason for deciding the choice of using Islamic banks. This study aims to analyze decision factors of non-muslim customers saving at Bank Syariah Indonesia (BSI) Ambon. The research is associative quantitative type by using survey methods that distribute questionnaires for data collection. The sample taken with probability sampling technique is 98 non-muslim customers. Then the data is processed by confirmatory factor analysis techniques. In analyzing the data, the authors used the help of SPSS 26 software. The results of the study show that decision factors of non-muslim customers save at Bank Syariah Indonesia (BSI) Ambon is (1) promotion as the first and strongest factor with an Eigenvalue of 4,855; (2) perception as the second factor that has an Eigenvalue of 2,120; (3) service as the third factor that has an Eigenvalue of 1,275; (4) location as the fourth factor with an Eigenvalue of 1,136.

Preference of Non-Muslim Customers towards Islamic Banks within Muslim Minority Areas in Indonesia

Preference of Non-Muslim Customers towards Islamic Banks within Muslim Minority Areas in Indonesia

The Determinants of Online Repatronage Intention for Shariah-Compliant Hotels among Muslim Customers in Malaysia

Research studies have investigated online repatronage intentions among international and local tourists to Malaysia on Shariah-compliant hotels (SCHs) and e-B&Bs. Malaysia’s Islamic hospitality development sector has encouraged hotel managers to observe the Islamic hotel concept according to Muslim travellers’ needs and demands. Malaysia introduced the "Muslim-Friendly Hotel Recognition, which recognises Shariah-compliant accommodation for tourists. This type of recognition could be able to empower the tourism industry. A total of 10% out of 5,520 hotels comply with Shariah requirements, indicating that the new contribution of the SCH is needed. As of now, a comprehensive standard does not exist. The purpose of this research is to provide awareness among Muslim customers in Malaysia regarding SCHs’ online repatronage intentions. The number of hotels and e-B&Bs with full Shariah compliance is still small even though the number of Shariah-friendly hotels in Malaysia has increased with 744 halal certifications issued to hotels and resorts. The hotel management should adopt Islamic teachings even with the themes, ambiances, and architecture. With this, travellers would feel comfortable to perform their religious obligations. This research aims to identify online repatronage intentions of Muslims tourists to the Shariah compliant e-lodging industry in Malaysia. Most Malaysians are unaware of the SCH's implementation. From this study, they will become aware that the SCH not only accepts Muslim customers but also openly welcomes non-Muslim customers. A self-administered online survey was conducted to attain responses. Five hundred data were cleaned from any missing case and outliers, and 395 data were used for the next analysis. The sampling technique involved data collection both from local and international tourists who intended to stay at their preferred SCHs. Analysis of the measurement model was conducted with the structural model using the bootstrapping method via SmartPLS version 3.2.9. It was found that Hotel Image and Shariah compliance attributes were significant towards online repatronage intentions among Muslim customers of the SCH.

THE URGENCY OF MAQASHID SHARIA IN THE DEVELOPMENT OF SHARIA BANKING PRODUCTS

AbstractThe movement and growth of Islamic banking in Indonesia is increasing every year and is in demand by Muslim and non-Muslim customers. This has encouraged Islamic banking to develop its products so that they can compete with conventional banks. However, of course, this must be balanced with knowledge of Islamic maqashid and ushul fiqh in the development of banking products which are sometimes ignored by Islamic financial institutions. As a result, there is rigidity, narrow space for movement and even negligence and errors in inspection and auditing. In this paper using library research methods (library research) with a qualitative approach. The urgency of maqashid in Islamic banking products regulates all fatwas, regulations, financial and banking products as well as fiscal and monetary policies so as not to lose their shari'ah substance. Maqashid syari'ah is a determining factor in creating sharia economic products that can play a dual role (social control tools and socio-economic engineering) to realize the benefit of Muslims. Keywords: Sharia Banking; Maqashid Syariah; Banking Products.

Faktor-Faktor Yang Mempengaruhi Minat Nasabah Non Muslim Melakukan Cicilan Emas Di Bank Syariah Indonesia KCP Kabanjahe

This study aims to determine what factors influence the interest of non-Muslim customers in using gold installments. The analytical method used is quantitative analysis. This analysis includes: validity and reliability test, classical assumption test, multiple linear regression analysis, and hypothesis testing. The sample used in this study were 99 respondents. The results of the analysis show that there are three variables formed from four variables, namely, service, behavior, positive response and promotion. Which affects the interest of non-Muslim customers in using gold installments in Islamic banks.

The Effect of Financial Literacy, Profit Sharing and Social Influence on Saving Interests : Case of Non-Muslim Customers at Islamic Bank in Bekasi

This study was used to measure the effect of Financial Literacy, Profit Sharing and Social Influence on Saving Interests in Non-Muslim Customers at Islamic Bank Branch X Bekasi City. This research is a quantitative study in which the object used is the Non-Muslim Customers at Islamic Bank Branch X Bekasi City. The number of samples used in this study were 70 respondents. The design used in this research is hypothesis testing using the structural equitation model (SEM) – SmartPLS 3.0. The results of this study provide an explanation that the variables of finance literacy have a positive effect on saving interests in Non-Muslim Customers at Islamic Bank Branch X Bekasi City, Profit Sharing have a positive effect on saving interests in Non-Muslim Customers at Islamic Bank Branch X Bekasi City and Social Influence have thas no effect on saving interests in Non-Muslim Customers at Islamic Bank Branch X Bekasi City. This research has a limited object of research which is only carried out on the Non-Muslim Customers at Islamic Bank Branch X Bekasi City. This is used as a suggestion for future researchers. The novelty in this study combines the variables of Non-Muslim Customers at Islamic Bank Branch X Bekasi City.

HALAL CUISINE IN MUSLIM-MINORITY URBAN PREFERENCE: CASE STUDY IN MANADO

Halal cuisine becomes a captivating phenomenon not only among the Muslim regions but also in non-Muslim districts. This paper aims to reveal the phenomenon of halal cuisine in the Muslim minority region in Manado, North Sulawesi. This research used qualitative research with the study case approach. 5 Muslim merchants were interviewed to obtain some information according to this research. The result revealed the existence of Muslim merchants who are selling their halal cuisine in Manado as a Muslim minority religion and they are confident about the potency of halal cuisine development in Manado. The other findings show that the halal sign (logo) has been used by Muslim merchants to ensure the customers that the cuisine they promote is halal. Further, they disclose that the buyers come from Muslim customers and non-Muslim customers interested in buying their product. It can be concluded that even though Manado is known as a Muslim minority region, Muslim merchants possess a good position in Manado as merchants who are promoting their halal cuisine.

Analysis of the Modern Era's Financial and Islamic Economic Importance

Islamic finance is a system that originates from the Al-Quran and Sunnah, as well as from the interpretations of the scholars of these sources of revelation. In its various forms, the structure of Islamic finance has been a civilization that has remained unchanged for fourteen centuries. The public seems to be increasingly aware that the concept of Islamic economics has become more open, this is evidenced by the presence of non-Muslim customers who choose Islamic banks, even some conventional financial institution entrepreneurs are starting to look at Islamic banking and opening sharia businesses. The interaction of non-Muslims towards the sharia economy has more or less changed the mindset and unfounded suspicions towards Muslims as well as eroded the attitude of Islamophobia. With the emergence of a growing sharia economy, the paradigm of thinking of non-Muslims towards Islam is increasingly changing, becoming more open, and leading positively. In order to have a more significant impact on the economy, the Islamic financial system needs to have a more significant portion of total financial assets, namely at least 20 percent. Therefore, the government, central bank and economic agencies concerned with the Islamic financial system need to work harder