FINANCIAL OPTIONS TRENDS: DIGGING THE REASONS BEHIND THE GROWTH OF CUSTOMER INTEREST IN SHARIA BANK INDONESIA
DOI:
https://doi.org/10.32332/finansia.v7i1.8530Keywords:
Knowledge, Merger, Service, ITAbstract
BSI is a Sharia Commercial Bank as a result of the merger of three banks, BRIS, BNIS, and Mandiri Syariah. After the merger, BSI's assets became larger, but it is necessary to examine the things that affect customers to save at BSI, because of the merger, knowledge, services, and IT used by BSI. This study aims to determine the influence of knowledge, mergers, services, and IT on the interest of becoming a BSI customer. This study is a quantitative research using primary data. The population in this study is the entire academic community of UIN Raden Mas Said Surakarta with a sample of 113 respondents. The data collection technique uses questionnaires. The results of this study show that knowledge has no effect on interest in becoming a BSI customer. However, mergers, services, and IT have a significant impact on interest in becoming a BSI customer.
Downloads
Download data is not yet available.
References
Aisyah, Muniaty. “Islamic Bank Service Quality And Its Impact On Indonesian Customers’ Satisfaction And Loyalty.” Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah (Journal Of Islamic Economics), Vol. 10, No. 2, 2018.
Ajzen, Icek. “The Theory of Planned Behavior.” Organizational Behavior And Human Decision Processes, Vol. 50, No. 2, 1991. https://doi.org/10.1016/0749-5978(91)90020-T.
———. “TPB Questionnaire Construction Constructing: A Theory Of Planned Behaviour Questionnaire.” University Of Massachusetts Amherst, 2006.
Alhusain, Achmad Sani. “Bank Syariah Indonesia: Tantangan Dan Strategi Dalam Mendorong Perekonomian Nasional.” Jurnal Ekonomi Dan Kebijakan Publik, Vol. 8, No. 3, 2021.
Al-Fakir, Anisyah. “Merger Tiga Bank Syariah BUMN Tingkatkan Daya Saing Industri.”
Asnawi, Nur., Sukoco, Badri Munir., And Fanani, Muhammad Asnan. “The Role Of Service Quality Within Indonesian Customers Satisfaction And Loyalty And Its Impact On Islamic Banks.” Journal Of Islamic Marketing, Vol. 11, No. 1, 2020. https://doi.org/10.1108/JIMA-03-2017-0033.
Basthomi, Ahmad Yasid., Afrianti, Nur Lailah., Dan Khairiah, Yaumil Fikri. “Asumsi Masyarakat Tentang Merger Bank Syariah Yang Dimiliki Negara Menjadi Bank Syariah Indonesia (BSI).” Prosiding Pekan Ilmiah Mahasiswa 2021, Vol. 1, No. 2, 2021.
Fauzi, Abu Amar., And Suryani, Tatik. “Measuring The Effects Of Service Quality By Using CARTER Model Towards Customer Satisfaction, Trust And Loyalty In Indonesian Islamic Banking.” Journal Of Islamic Marketing, Vol. 10, No. 1, 2019. https://doi.org/10.1108/JIMA-04-2017-0048.
Fitriyani, Fitriyani. Pengaruh Teknologi Dan Kepercayaan Terhadap Minat Bertransaksi Menggunakan Mobile Banking Pada Nasabah Bank Syariah Indonesia KCP Muara Bulian. Jambi: Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi, 2021.
Hakim, Ali Usmanul., Dan Supriyadi, Supriyadi. “Pengaruh Pengetahuan Guru Tentang Perbankan Syariah Terhadap Minat Memilih Produk Tabungan BSI Sumenep.” Jurnal Ilmu Manajemen, Vol. 1, No. 2, 2021. https://doi.org/10.56393/equilibrium.v1i2.183.
Hidayat, Rachmad., Akhmad, Sabarudin., And Machmud, Machmud. “Effects Of Service Quality, Customer Trust And Customer Religious Commitment On Customer Satisfaction And Loyalty Of Islamic Banks In East Java.” Al-Iqtishad: Journal Of Islamic Economics, Vol. 7, No. 2, 2015.
Kazak, Hasan., Uluyol, Burhan., Akcan, Ahmet Tayfur.,, And Iyibildiren, Mustafa. “The Impacts of Conventional and Islamic Banking Sectors on Real Sector Growth: Evidence from Time-Varying Causality Analysis for Turkiye.” Borsa Istanbul Review, Vol. 23, No. 1, 2023. https://www.sciencedirect.com/science/article/pii/S2214845023001023.
Lestari, Ranti Dwi. Pengaruh Persepsi Kemudahan, Persepsi Kemanfaatan, Dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Pada Mobile Banking BSI (Bank Syariah Indonesia) Studi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam UIN Walisongo Semarang. Jawa Tengah: Universitas Islam Negeri Walisongo Semarang, 2021.
Liu, Zhuling., Yang, Janet Z., Clark, Sisan S., And Shelly, Michael A. “Recycling As A Planned Behavior: The Moderating Role Of Perceived Behavioral Control.” Environment Development Sustainability, Vol. 24, 2021. doi: 10.1007/s10668-021-01894-z.
Luqman, Santoso. Persepsi Masyarakat Umum Terhadap Perbankan Syariah (Study Kasus Di Kabupaten Semarang). Jawa Tengah: Institut Agama Islam Negeri Salatiga, 2016.
Maharani, Renita., Supriyanto, Trisiladi., Dan Rahmi, Mira. “Faktor-Faktor Yang Mempengaruhi Minat Menabung Di Bank Syariah (Studi Sasus Pada BSI Ex BSM).” Jurnal Syarikah, Vol. 7, No. 2, 2021. https://doi.org/10.30997/jsei.v7i2.4483.
Miftah, Kindy., And Wibowo, Hendro. “Merger And Industrial Acceleration: Study At Indonesian Islamic Banking Industry.” Jurnal Ilmu Ekonomi, Vol. 6, No. 1, 2017.
Monica, Wareza. “Merger Bank Syariah BUMN, Sedahsyat Ini Dampak Ekonominya.” CNB Indonesia.
Siddique, Muhammad Abubakar., Rashid, Abdul., And Tahir, Usama. “Factors Affecting The Credibility Of Islamic Banking Sharī’ah Approvals: Perception-Based Empirical Study.” Borsa Istanbul Review, Vol. 23, No. 2, 2023. https://www.sciencedirect.com/science/article/pii/S2214845022001077.
Ningsih, Sinta Widia., Madaniah, Lulu., And Gunardi, Gunardi. “Strategi Bauran Pemasaran Produk Kredit Usaha Rakyat Terhadap Minat Nasabah Pada Bank Syariah Indonesia KC Suniaraja.” Ekonomis: Journal Of Economics And Business, Vol. 6, No. 1, 2022. http://dx.doi.org/10.33087/ekonomis.v6i1.476.
Romadhon, Bagus., Dan Sutantri, Sutantri. “Korelasi Merger Tiga Bank Syariah Dan Kesadaran Masyarakat Terhadap Produk Perbankan Syariah.” Jurnal At-Tamwil: Kajian Ekonomi Syariah, Vol. 3, No. 1, 2021. https://doi.org/10.33367/at.v2i3.1455.
Rusydiana, Aam Slamet. “Prediksi Pertumbuhan Perbankan Syariah Di Indonesia Tahun 2020 Dengan Quantitative Methods.” Jurnal Ekonomi Syariah, Vol. 4, No. 2, 2019. https://doi.org/10.37058/jes.v4i2.1154.
Sari, Yeni Aprilia., Dan Musdholifah, Musdholifah. “Analisis Kinerja Perusawhaan Sebelum Dan Sesudah Merger.” Jurnal Ilmu Manajemen, Vol. 5, No. 3, 2017.
Salman, Asma., And Nawaz, Huma. “Islamic Financial System And Conventional Banking: A Comparison.” Arab Economic And Business Journal, Vol. 13, No. 2, 2018. https://www.sciencedirect.com/science/article/pii/S2214462518300410.
Syukron, Ali. “Dinamika Perkembangan Perbankan Syariah Di Indonesia.” Jurnal Ekonomi Dan Hukum Islam, Vol. 3, No. 2, 2013.
Utari, Kuta Karmila., Septiyana, Yeni., Asnaini, Asnaini., and Elwardah, Khairiah. “Efisiensi Keputusan Merger Tiga Bank Syariah Di Indonesia Pada Masa Pandemi Covid-19 (Studi Di BSI Kc Bengkulu Panorama).” EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, Vol. 10, No. 1, 2022. https://doi.org/10.37676/ekombis.v10iS1.1922.
Wahyuningsih, Hikmah. Pengaruh Merger Tiga Bank Syariah (BUMN), Kualitas Layanan, Dan Brand Image Produk Syariah Terhadap Loyalitas Nasabah Bank Syariah Indonesia (BSI) Di Yogyakarta. Yogyakarta: Universitas Islam Indonesia Yogyakarta, 2021.
Wulandari, Deasy., And Subagio, Ari. “Consumer Decision Making In Conventional Banks And Islamic Bank Based On Quality Of Service Perception.” Procedia - Social And Behavioral Sciences, Vol. 211, September, 2015. DOI:10.1016/j.sbspro.2015.11.062.
Ajzen, Icek. “The Theory of Planned Behavior.” Organizational Behavior And Human Decision Processes, Vol. 50, No. 2, 1991. https://doi.org/10.1016/0749-5978(91)90020-T.
———. “TPB Questionnaire Construction Constructing: A Theory Of Planned Behaviour Questionnaire.” University Of Massachusetts Amherst, 2006.
Alhusain, Achmad Sani. “Bank Syariah Indonesia: Tantangan Dan Strategi Dalam Mendorong Perekonomian Nasional.” Jurnal Ekonomi Dan Kebijakan Publik, Vol. 8, No. 3, 2021.
Al-Fakir, Anisyah. “Merger Tiga Bank Syariah BUMN Tingkatkan Daya Saing Industri.”
Asnawi, Nur., Sukoco, Badri Munir., And Fanani, Muhammad Asnan. “The Role Of Service Quality Within Indonesian Customers Satisfaction And Loyalty And Its Impact On Islamic Banks.” Journal Of Islamic Marketing, Vol. 11, No. 1, 2020. https://doi.org/10.1108/JIMA-03-2017-0033.
Basthomi, Ahmad Yasid., Afrianti, Nur Lailah., Dan Khairiah, Yaumil Fikri. “Asumsi Masyarakat Tentang Merger Bank Syariah Yang Dimiliki Negara Menjadi Bank Syariah Indonesia (BSI).” Prosiding Pekan Ilmiah Mahasiswa 2021, Vol. 1, No. 2, 2021.
Fauzi, Abu Amar., And Suryani, Tatik. “Measuring The Effects Of Service Quality By Using CARTER Model Towards Customer Satisfaction, Trust And Loyalty In Indonesian Islamic Banking.” Journal Of Islamic Marketing, Vol. 10, No. 1, 2019. https://doi.org/10.1108/JIMA-04-2017-0048.
Fitriyani, Fitriyani. Pengaruh Teknologi Dan Kepercayaan Terhadap Minat Bertransaksi Menggunakan Mobile Banking Pada Nasabah Bank Syariah Indonesia KCP Muara Bulian. Jambi: Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi, 2021.
Hakim, Ali Usmanul., Dan Supriyadi, Supriyadi. “Pengaruh Pengetahuan Guru Tentang Perbankan Syariah Terhadap Minat Memilih Produk Tabungan BSI Sumenep.” Jurnal Ilmu Manajemen, Vol. 1, No. 2, 2021. https://doi.org/10.56393/equilibrium.v1i2.183.
Hidayat, Rachmad., Akhmad, Sabarudin., And Machmud, Machmud. “Effects Of Service Quality, Customer Trust And Customer Religious Commitment On Customer Satisfaction And Loyalty Of Islamic Banks In East Java.” Al-Iqtishad: Journal Of Islamic Economics, Vol. 7, No. 2, 2015.
Kazak, Hasan., Uluyol, Burhan., Akcan, Ahmet Tayfur.,, And Iyibildiren, Mustafa. “The Impacts of Conventional and Islamic Banking Sectors on Real Sector Growth: Evidence from Time-Varying Causality Analysis for Turkiye.” Borsa Istanbul Review, Vol. 23, No. 1, 2023. https://www.sciencedirect.com/science/article/pii/S2214845023001023.
Lestari, Ranti Dwi. Pengaruh Persepsi Kemudahan, Persepsi Kemanfaatan, Dan Kualitas Pelayanan Terhadap Loyalitas Nasabah Pada Mobile Banking BSI (Bank Syariah Indonesia) Studi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam UIN Walisongo Semarang. Jawa Tengah: Universitas Islam Negeri Walisongo Semarang, 2021.
Liu, Zhuling., Yang, Janet Z., Clark, Sisan S., And Shelly, Michael A. “Recycling As A Planned Behavior: The Moderating Role Of Perceived Behavioral Control.” Environment Development Sustainability, Vol. 24, 2021. doi: 10.1007/s10668-021-01894-z.
Luqman, Santoso. Persepsi Masyarakat Umum Terhadap Perbankan Syariah (Study Kasus Di Kabupaten Semarang). Jawa Tengah: Institut Agama Islam Negeri Salatiga, 2016.
Maharani, Renita., Supriyanto, Trisiladi., Dan Rahmi, Mira. “Faktor-Faktor Yang Mempengaruhi Minat Menabung Di Bank Syariah (Studi Sasus Pada BSI Ex BSM).” Jurnal Syarikah, Vol. 7, No. 2, 2021. https://doi.org/10.30997/jsei.v7i2.4483.
Miftah, Kindy., And Wibowo, Hendro. “Merger And Industrial Acceleration: Study At Indonesian Islamic Banking Industry.” Jurnal Ilmu Ekonomi, Vol. 6, No. 1, 2017.
Monica, Wareza. “Merger Bank Syariah BUMN, Sedahsyat Ini Dampak Ekonominya.” CNB Indonesia.
Siddique, Muhammad Abubakar., Rashid, Abdul., And Tahir, Usama. “Factors Affecting The Credibility Of Islamic Banking Sharī’ah Approvals: Perception-Based Empirical Study.” Borsa Istanbul Review, Vol. 23, No. 2, 2023. https://www.sciencedirect.com/science/article/pii/S2214845022001077.
Ningsih, Sinta Widia., Madaniah, Lulu., And Gunardi, Gunardi. “Strategi Bauran Pemasaran Produk Kredit Usaha Rakyat Terhadap Minat Nasabah Pada Bank Syariah Indonesia KC Suniaraja.” Ekonomis: Journal Of Economics And Business, Vol. 6, No. 1, 2022. http://dx.doi.org/10.33087/ekonomis.v6i1.476.
Romadhon, Bagus., Dan Sutantri, Sutantri. “Korelasi Merger Tiga Bank Syariah Dan Kesadaran Masyarakat Terhadap Produk Perbankan Syariah.” Jurnal At-Tamwil: Kajian Ekonomi Syariah, Vol. 3, No. 1, 2021. https://doi.org/10.33367/at.v2i3.1455.
Rusydiana, Aam Slamet. “Prediksi Pertumbuhan Perbankan Syariah Di Indonesia Tahun 2020 Dengan Quantitative Methods.” Jurnal Ekonomi Syariah, Vol. 4, No. 2, 2019. https://doi.org/10.37058/jes.v4i2.1154.
Sari, Yeni Aprilia., Dan Musdholifah, Musdholifah. “Analisis Kinerja Perusawhaan Sebelum Dan Sesudah Merger.” Jurnal Ilmu Manajemen, Vol. 5, No. 3, 2017.
Salman, Asma., And Nawaz, Huma. “Islamic Financial System And Conventional Banking: A Comparison.” Arab Economic And Business Journal, Vol. 13, No. 2, 2018. https://www.sciencedirect.com/science/article/pii/S2214462518300410.
Syukron, Ali. “Dinamika Perkembangan Perbankan Syariah Di Indonesia.” Jurnal Ekonomi Dan Hukum Islam, Vol. 3, No. 2, 2013.
Utari, Kuta Karmila., Septiyana, Yeni., Asnaini, Asnaini., and Elwardah, Khairiah. “Efisiensi Keputusan Merger Tiga Bank Syariah Di Indonesia Pada Masa Pandemi Covid-19 (Studi Di BSI Kc Bengkulu Panorama).” EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, Vol. 10, No. 1, 2022. https://doi.org/10.37676/ekombis.v10iS1.1922.
Wahyuningsih, Hikmah. Pengaruh Merger Tiga Bank Syariah (BUMN), Kualitas Layanan, Dan Brand Image Produk Syariah Terhadap Loyalitas Nasabah Bank Syariah Indonesia (BSI) Di Yogyakarta. Yogyakarta: Universitas Islam Indonesia Yogyakarta, 2021.
Wulandari, Deasy., And Subagio, Ari. “Consumer Decision Making In Conventional Banks And Islamic Bank Based On Quality Of Service Perception.” Procedia - Social And Behavioral Sciences, Vol. 211, September, 2015. DOI:10.1016/j.sbspro.2015.11.062.
Downloads
Published
2024-05-16
Issue
Section
Articles
License
Copyright (c) 2024 Asiah Wati, Rahmawati Rahmawati, Malahayatie Malahayatie, Arum Fitri Lestari, Muhammad RehanAuthors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
How to Cite
FINANCIAL OPTIONS TRENDS: DIGGING THE REASONS BEHIND THE GROWTH OF CUSTOMER INTEREST IN SHARIA BANK INDONESIA. (2024). FINANSIA : Jurnal Akuntansi Dan Perbankan Syariah, 7(1), 87-102. https://doi.org/10.32332/finansia.v7i1.8530
