Key determinants of attitudes towards Islamic banks: An exploratory study among Islamic university students
DOI:
https://doi.org/10.20414/jed.v6i1.8392Keywords:
Islamic banking, attitudes, sharia complianceAbstract
Purpose — The study seeks to identify the factors that have the greatest impact on attitudes towards Islamic banks, including awareness and knowledge of Islamic banking, adherence to Sharia principles, and collectivist or individualist attributes.
Method — This study utilized quantitative methods, and the research instruments were carefully designed to measure the latent variables under investigation. The sample included 100 students from private Islamic universities in Malang City, East Java, Indonesia. Data analysis involved confirmatory factor analysis and multiple regression analysis.
Result — This research highlights the crucial role of awareness and knowledge in fostering positive attitudes towards Islamic banks. Interestingly, compliance with Sharia principles was not found to significantly influence attitudes toward Islamic banks.
Contribution — This research underscores the pivotal role of awareness and knowledge in fostering positive attitudes toward Islamic banks.
Downloads
References
Afriani, T., & Asandimitra, N. (2020). Determinants of Customer Preference to Save in Islamic Bank. Al-Uqud?: Journal of Islamic Economics, 4(1), 1. https://doi.org/10.26740/al-uqud.v4n1.p1-17
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50, 179–211. https://doi.org/10.1080/10410236.2018.1493416
Az-Zahra, K. N., Andriana, I., & Thamrin, K. M. H. (2022). Pengaruh Literasi Keuangan Syariah Terhadap Minat Menabung di Bank Syariah dalam Perspektif Syariah (Studi pada Mahasiswa S1 Fe Universitas Sriwijaya). Al-Kharaj?: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(4), 1801–1809. https://doi.org/10.47467/alkharaj.v5i4.1995
Bananuka, J., Kaawaase, T. K., Kasera, M., & Nalukenge, I. (2019). Determinants of the intention to adopt Islamic banking in a non-Islamic developing country: The case of Uganda. ISRA International Journal of Islamic Finance, 11(2), 166–186. https://doi.org/10.1108/IJIF-04-2018-0040
Bananuka, J., Kasera, M., Najjemba, G. M., Musimenta, D., Ssekiziyivu, B., & Kimuli, S. N. L. (2020). Attitude: mediator of subjective norm, religiosity and intention to adopt Islamic banking. Journal of Islamic Marketing, 11(1), 81–96. https://doi.org/10.1108/JIMA-02-2018-0025
Bashir, S., Khwaja, M. G., Turi, J. A., & Toheed, H. (2019). Extension of planned behavioral theory to consumer behaviors in green hotel. Heliyon, 5(12), e02974. https://doi.org/10.1016/j.heliyon.2019.e02974
Fariani, E., Riyaldi, M., & Furda, Y. (2021). Analisis Faktor yang Mempengaruhi minat masyarakat Menabung di Bank Syariah Indonesia. AL-AHKAM: Jurnal Syari’ah Dan Peradilan Islam, 1(2), 1–17.
Firdiana, E., & Fikriyah, K. (2021). Pengaruh Literasi Ekonomi Syariah terhadap Minat Mahasiswa Menabung di Bank Syariah. Jurnal Ekonomika Dan Bisnis Islam, 4(1), 99–109. https://doi.org/10.26740/jekobi.v4n1.p99-109
Hadi, N. A., & Muwazir, M. R. (2020). Islamic banking selection criteria: a multi-ethnic perspective. Journal of Islamic Marketing, 12(5), 1063–1078. https://doi.org/10.1108/JIMA-02-2019-0033
Hosen, M. N. (2019). Perception and expectation of customers in Islamic bank perspective. Journal of Islamic Marketing, 12(1), 1–19. https://doi.org/10.1108/JIMA-12-2018-0235
Iryani, R. M., & Kristanto, R. S. (2022). Pengaruh Pengetahuan Tentang Bank Syariah, Religiusitas, Lingkungan Sosial, Dan Uang Saku Terhadap Minat Menabung Mahasiswa Di Bank Syariah (Studi Kasus pada Mahasiswa STIE Bank BPD Jateng). Magisma: Jurnal Ilmiah Ekonomi Dan Bisnis, 10(2), 191–202. https://doi.org/10.35829/magisma.v10i2.228
Ismulyaty, S., & Pratiwi, S. I. (2023). Menguak Keterkaitan Pengetahuan Mahasiswa Perbankan Syariah Dengan Minat Menabung di Bank Syariah Indonesia. Margin?: Jurnal Bisnis Islam Dan Perbankan Syariah, 2(1), 15–23.
Janah, N., Medias, F., & Pratiwi, E. K. (2020). The intention of religious leaders to use Islamic banking services: the case of Indonesia. Journal of Islamic Marketing, 12(9), 1786–1800. https://doi.org/10.1108/JIMA-01-2020-0012
Junaidi, J., Anwar, S. M., Alam, R., Lantara, N. F., & Wicaksono, R. (2023). Determinants to adopt conventional and Islamic banking: evidence from Indonesia. Journal of Islamic Marketing, 14(3), 892–909. https://doi.org/10.1108/JIMA-03-2021-0067
Kaakeh, A., Hassan, M. K., & Van Hemmen Almazor, S. F. (2019). Factors affecting customers’ attitude towards Islamic banking in UAE. International Journal of Emerging Markets, 14(4), 668–688. https://doi.org/10.1108/IJOEM-11-2017-0502
Mamuaya, N. C. (2018). Service Quality and Non-Muslim Satisfaction Using Sharia Bank Products and Services. Shirkah: Journal of Economics and Business, 2(1). https://doi.org/10.22515/shirkah.v2i1.39
Mansour, I. H. F. (2019). Customers’ perceptions of selection criteria used by Islamic bank customers in Sudan: The importance of Shariah compliance. Journal of Research in Emerging Markets, 1(4), 20–32. https://doi.org/10.30585/jrems.v1i4.363
Mardiana, E., Thamrin, H., & Nuraini, P. (2021). Analisis Religiusitas Terhadap Minat Menabung Di Bank Syariah Kota Pekanbaru. Jurnal Tabarru’: Islamic Banking and Finance, 4(2), 512–520. https://doi.org/10.25299/jtb.2021.vol4(2).8309
Miah, M. D., & Suzuki, Y. (2020). Murabaha syndrome of Islamic banks: a paradox or product of the system? Journal of Islamic Accounting and Business Research, 11(7), 1363–1378. https://doi.org/10.1108/JIABR-05-2018-0067
Muslichah, I., & Sanusi, S. (2019). The effect of religiosity and financial literacy on intention to use Islamic banking products. Asian Journal of Islamic Management (AJIM), 1(2), 85–92. https://doi.org/10.20885/ajim.vol1.iss2.art2
Nugraheni, P., & Widyani, F. N. (2021). A study of intention to save in Islamic banks: the perspective of Muslim students. Journal of Islamic Marketing, 12(8), 1446–1460. https://doi.org/10.1108/JIMA-11-2019-0233
Purnomo, S. D., Cahyo, H., & Mukharomah, S. A. (2021). Analisis Faktor-Faktor yang Mempengaruhi Minat Menabung di Bank Syariah pada Masyarakat Kabupaten Banyumas. J-MAS (Jurnal Manajemen Dan Sains), 6(2), 343. https://doi.org/10.33087/jmas.v6i2.273
Rusydiana, A. S., & Hasib, F. F. (2019). Islamic Banking Selection Criteria: Case in Indonesia Using Analytic Network Process. Economica: Jurnal Ekonomi Islam, 10(1), 165–188. https://doi.org/10.21580/economica.2019.10.1.2846
Sodik, F., Hidayat, A., Farda, R. A. Al, & Syahita, R. N. (2022). Analisis Pengaruh Pengetahuan Produk dan Religiusitas Terhadap Minat Menabung di Bank Syariah. Jurnal Ilmu Perbankan Dan Keuangan Syariah, 4(2), 123–143. https://doi.org/10.24239/jipsya.v4i2.132.123-143
Sujianto, A., Triramdhani, D. A., Giovanni, A., & Muyasaroh, L. L. U. (2023). Pengaruh Pengetahuan, Perspektif, dan Religuitas Masyarakat terhadap Minat Menabung di Bank Syariah. Wawasan?: Jurnal Ilmu Manajemen, Ekonomi Dan Kewirausahaan, 1(3), 96–106. https://doi.org/10.58192/wawasan.v1i3.868
Sulistyawati, A. I., Dini, Y. L. E., Triyani, D., Prapti, Rr. N. L., & Santoso, A. (2022). Deteksi Minat Menabung di Bank Syariah: Suatu Kajian Empiris. Jurnal Ilmiah Ekonomi Islam, 8(03), 3737–3747. https://doi.org/10.29040/jiei.v8i3.6837
Wahyuni, U. D. N., & Rohayati, S. (2022). Pengaruh Pembelajaran Perbankan Syariah, Kualitas Pelayanan dan Literasi Keuangan terhadap Minat Menabung Mahasiswa Pendidikan Akuntansi di Bank Syariah. Edukatif?: Jurnal Ilmu Pendidikan, 4(3), 3458–3469. https://doi.org/10.31004/edukatif.v4i3.2759
Zamakhsyari, L., Winarni, D., & Wage, W. (2022). Pengaruh Pengetahuan Mahasiswa tentang Riba terhadap Minat Menabung di Bank Syariah. JSSH (Jurnal Sains Sosial Dan Humaniora), 6(2), 113. https://doi.org/10.30595/jssh.v6i2.14953
Downloads
Published
Issue
Section
License
Copyright (c) 2023 Nur Hidayati, Hafid Aditya Pradesa, Iin Agustina
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
