Menuju Bank Syariah : Demografi Nasabah Dalam Pemilihan Bank
DOI:
https://doi.org/10.70371/jseht.v3i2.177Kata Kunci:
Sharia Bank; Conventional Bank; Customer Demography; Bank StandardsAbstrak
Apart from management, sharia banks also need to pay more attention to customer characteristics, especially customer criteria in choosing sharia banking services. This is an important issue that needs to be explored by Islamic banks, especially to attract customers from traditional banks which face intense competition. In the banking sector, competition between banks must be effective in order to be successful. Banks with high profitability have high market power. In other words, customers are very important for the success of a bank, including sharia banks. The aim of this research is to determine the influence of respondents' demographic characteristics on their desire to become sharia bank customers. Gender, age, education level, place of residence and expenses are the demographic variables of respondents who are research subjects. The results of this research indicate that expenditure is the most influential factor influencing the intention to become a sharia bank customer. The results obtained from respondents who were not sharia banking customers showed that the main reason for not becoming customers was a lack of information about the advantages of sharia banking products. The results of this research reveal other facts. Based on the correlation results, it is known that the expenditure variable is the main factor that influences the intention to become a Sharia Bank customer. Based on the findings of this research, the first recommendation for Islamic banks is to increase advertising to increase public awareness of the services they provide
Referensi
Andrian Anwar L Nata, Novi Riani, Abshor Marantika, Epid Apriani. (2021). Perencanaan Laba dengan Titik Impas Sebagai Dasar Pengambilan Keputusan Bagi Pihak Pengelola CV. Randu Sari Satu. Derivatif: Jurnal Manajemen. Vol. 15 No. 1. https://fe.ummetro.ac.id/ejournal/index.php/JM/article/viewFile/579/388
Andrian Anwar L Nata, Novi Riani, Ryo Endra Kusuma. (2023). Tinjauan Historis: Kemajuan Sistem Perbankan Syariah Yang Ada Di Asia Tenggara. Margin: Jurnal Bisnis Islam dan Perbankan Syariah. https://scholar.google.co.id/citations?view_op=view_citation&hl=id&user=hwM7djwAAAAJ&citation_for_view=hwM7djwAAAAJ:zYLM7Y9cAGgC
Andrian Anwar L Nata, Novi Riani, Allan Harris, Erike Anggraeni. (2023). Can Lexicographic Goal Programming, Artificial Neural Networks, and Value-at-risk Methods be Effective in Analysis of 50 Highest Trade Frequency Issuers Optimum Portfolio. KnE Social Sciences. https://kneopen.com/KnE-Social/article/view/14043/
Andrian Anwar L Nata, Novi Riani. (2024). Efek Bantuan Sosial Dalam Membantu Kemakmuran Masyarakat Kurang Mampu Pada Desa Ulak Rengas Kecamatan Abung Tinggi Lampung Utara. Margin: Jurnal Bisnis Islam dan Perbankan Syariah. Volume 3 Nomor 1. https://scholar.google.co.id/citations?view_op=view_citation&hl=id&user=hwM7djwAAAAJ&citation_for_view=hwM7djwAAAAJ:LkGwnXOMwfcC
Aravik, H., Sulastyawati, D., & Yunus, N. R. (2020). Leadership Concept At Sharia Bank; A Theoretical Study. Islamic Banking: Jurnal Pemikiran dan Pengembangan Perbankan Syariah, 5 (2), 21-32.
Bank Indonesia. (2019). Blueprint Sistem Pembayaran Indonesia 2025. Bank Indonesia L Menavigasi Sistem Pembayaran Nasional di Era Digital. Bank Indonesia.
Bank Indonesia. (2021). Jumlah Uang Elektronik Beredar. In Bank Indonesia. Bansal, H. S., & Taylor, S. F. 1999. The Service Provider Switching Model.
Faijar Mulia. (2022). Analisis Keputusan Nasabah dalam Memilih Bank Syariah Indonesia. Jakarta. Universitas Islam Negeri Syarif Hidayatullah Jakarta.
Farida Ekawati Muhammad Adi Bagas, Novi Riani. (2024). Manajemen Akuntansi Hijau Dalam Efisiensi Biaya Lingkungan Studi Pada Pt. Coca Cola Bottling Indonesia Tanjung Bintang. Journal Of Interdisciplinary Science And Education (JISE). https://journal.alifa.ac.id/index.php/jise/article/view/85
Fitriani Sinaga. (2019). Faktor-Faktor yang Mempengaruhi Keputusan Nasabah Menggunakan Jasa Perbankan Syariah. Jakarta. Universitas Muhammadiyah Jakarta.
Gama Setya Pandega. (2018). Analisis Faktor Dalam Pemilihan Bank Konvensional Sebagai Tempat Menabung Pada Mahasiswa UNNES. Semarang. Universitas Negeri Semarang.
Herlina Putri. (2022). Analisis Keputusan Faktor Demografi Menjadi Nasabah Bank Syariah Indonesia Region Medan. Aghniya: Jurnal Ekonomi Islam. ISSN 2656-5633. Vol. 4. No. 2.
Krisna Nugraha, Mts. Arief, Sri Bramantoro Abdinagoro, Pantri Heriyati. (2022). From Conventional To Islamic Bank: Customer Demographics Affecting Bank Selection Criteria. Webology (ISSN: 1735-188X). Volume 19, Number 2.
Mira Maharani. (2020). Faktor-Faktor Keputusan Pedagang dalam Memilih Jasa Pinjaman Bank Konvensional Dibandingkan Pembiayaan Bank Syariah. Curup. Institut Agama Islam Negeri (IAIN) Curup.
Novi Riani, Allan Harris. (2024). Daya Saing Ekonomi Indonesia: Cooperation Multilateral dan Regional. Jurnal Tafkirul Iqtishodiyyah (JTI). file:///C:/Users/LENOVO/Downloads/107-Article%20Text-366-1-10-20241118-1.pdf
Novi Riani, Allan Harris, Sri Yuli Astut, Agustia Handayani. (2023). Improvement of the Community's Economy Through Waste Bank. KnE Social Sciences. https://scholar.google.co.id/citations?view_op=view_citation&hl=id&user=hwM7djwAAAAJ&citation_for_view=hwM7djwAAAAJ:eQOLeE2rZwMC
Novi Riani, (2019). Peran Perempuan Dalam Industri Rumahan Kerajinan Membuat Wadah Telur Untuk Acara Aqiqah Desa Banjarrejo Kecamatan Batanghari Lampung Timur. Setara: Jurnal Studi Gender dan Anak. https://scholar.google.co.id/citations?view_op=view_citation&hl=id&user=hwM7djwAAAAJ&citation_for_view=hwM7djwAAAAJ:d1gkVwhDpl0C
Novi Riani. (2020). Pengaruh Rasio Keuangan Terhadap Perubahan Kinerja CV. Randu Sari Satu Tahun 2016-2018. Derivatif: Jurnal Manajemen. https://scholar.google.co.id/citations?view_op=view_citation&hl=id&user=hwM7djwAAAAJ&citation_for_view=hwM7djwAAAAJ:u-x6o8ySG0sC.
Novi Riani. (2023). Daya Saing Komoditas Lada di Indonesia Tahun 2018-2022. Margin: Jurnal Bisnis Islam dan Perbankan Syariah. https://scholar.google.co.id/citations?view_op=view_citation&hl=id&user=hwM7djwAAAAJ&citation_for_view=hwM7djwAAAAJ:W7OEmFMy1HYC
Otoritas Jasa Keuangan. (2020). Snapshot Perbankan Syariah Indonesia Juni 2020. In Otoritas Jasa Keuangan.
Rahmi Octaviani. (2020). Kecenderungan Perilaku Beralih Nasabah Dalam Memilih Bank Syariah daripada Bank Konvensional. Bengkulu. Institut Agama Islam Negeri Bengkulu.
Rohmadi Rohmadi, Nurbaiti Nurbaiti, Junaidi Junaidi. (2016). Analisis Faktor Penentu Keputusan Nasabah dalam Memilih Jasa Perbankan Syariah dan Perbankan Konvensional di Kota Bengkulu. MANHAJ: Jurnal Penelitian Dan Pengabdian Masyarakat. Vol 1. No 3.
Slamet, Misbahul Munir, Irmayanti Hasan. (2019). Analisis Faktor Persepsi Nasabah Bank Konvensional dan Switching Barriers ke Bank Syariah. Iqtishoduna. Vol. 15 No. 2 Tahun 2019. P-ISSN: 1829-524X, E-ISSN: 26143437.
Sodik Dwi Purnomo, Heru Cahyo, Siti Ainul Mukharomah. (2021). Analisis Faktor- Faktor yang Mempengaruhi Minat Menabung di Bank Syariah pada Masyarakat Kabupaten Banyumas. Jurnal Manajemen dan Sains, 6(2), Oktober 2021, 343-350. ISSN 2541-6243 (Online), ISSN 2541-688X (Print), DOI 10.33087/jmas.v6i2.273.
Talke, K., & Heidenreich, S. (2014). How to Overcome Pro-Change Bias: Incorporating Passive and Active Innovation Resistance in Innovation Decision Models. Journal of Product Innovation Management, 31(5), 894-907.
Victor Hambali. (2014). Analisis Faktor-Faktor yang Mempengaruhi Keputusan Nasabah di Dalam Memilih Jenis Bank. Malang. Universitas Brawijaya.
Virginia Nur Rahmanti. (2013). Mengapa Perbankan Syariah Masih Disamakan Dengan Perbankan Konvensional?. Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam. Vol 1 No 1. ISSN 2339-1847
