Determinants Analysis of Intention to Use Islamic Banks in The Perspective of Non-Customer: A Study from Indonesia.
Date
2023Author
Salsabila, Amirah Fairuz
Beik, Irfan Syauqi
Hasanah, Qoriatul
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Show full item recordAbstract
Islamic banks have been established for three decades in Indonesia, but the
disparity in the number of Muslim populations and customers of Islamic
banks in Indonesia is still very high. Therefore, this study aims to find out
why non-customers of Islamic banks do not choose Islamic banks. This study
processed primary data obtained through questionnaires from 120
respondents spread across Indonesia. This study uses purposive sampling
techniques in collecting respondents and Multiple Linear Regression in
analyzing data. The results of this study show the correlation factors on the
interest in using Islamic banking as follows: factors of awareness of products
and services, advertising, and religiosity have a positive and significant effect.
Then Islamic financial literacy and reputation of Islamic banks have no
significant positive correlation. Meanwhile, network, number of ATMs and
branch offices have no significant negative correlation Bank Syariah telah tiga decade berdiri di Indonesia akan tetapi ketimpangan
akan jumlah populasi Muslim dan nasabah Bank Syariah di Indonesia masih
sangat tinggi. Oleh karena itu penelitian ini brtujuan untuk mengetahui
penyebab non-nasabah Bank Syariah tidak memilih Bank Syariah. Penelitian
ini mengeolah data primer yang didapatkan melalui kuesioner dari 120
responden yang terseber di Indonesia. Penelitian ini menggunakan teknik
purposive sampling dalam mengumpulkan responden dan Multiple Linear
Regression dalam menganalisa data. Hasil penelitian ini menunjukan korelasi
factor terhadap minat menggunakan Bank Syariah sebagai berikut: faktor
kesadaran akan produk dan layanan, iklan, dan religiusitas berpengaruh
secara positif dan signifikan. Kemudian literasi keuangan syariah dan reputasi
bank syariah berkorelasi positif tdak signifikan. Sementara jar
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- UT - Syariah Economic [353]