Islamic Banking is an increasingly important part of the Indonesian economy and finance. The competition between conventional and Islamic banks and customer demographic factors affect the performance of Islamic Banking. The purpose of this study was to analyze the potential and preferences of the community towards Islamic banking in terms of a demographic perspective consisting of four factors, namely age, income, education, and occupation. The potential and preferences of the community are proxied by the ownership of Islamic banking accounts. The study uses a sample of 620 questionnaires. The methodological approach is binary logistics regression or multinomial logistic linear regression using IBM SPSS statistics 25 software. The dependent variable (Y) is the probability of people who have an account in Islamic banking as a proxy to measure the potential and preference of Islamic banking. The independent variable (X) is several factors that affect account ownership in Islamic Banking like age, education, occupation, and income. The paper’s findings show that respondents in the segment aged less than 40 years old, in middle education, and working as entrepreneurs have a lower and significant probability of having an account in Islamic banking than respondents aged more than 40 years old, highly educated, and working in the company. There is no significant difference in the probability of account ownership in Islamic banking.

Community’s Potential and Preferences for Islamic Banking : the Case of Indonesia

Based on Law No 10 of 1998 which provides direction for conventional banks to
open sharia business units, there are two kinds of banking system in Indonesia: sharia
bank and conventional bank Since its establishment in 1992 until the year 2016 Islamic
banks have always experienced the development of both assets, deposits, and financing
However, since 2012 until 2016 the development of assets in sharia banks has decreased,
this is marked by the imbalance between the number of Muslim population in Indonesia
with the number of Muslim customers who use Islamic banks in Indonesia, the number of
Muslim customers in Indonesia is less than 10% of the total Muslim population in
Indonesia As for several factors causing Muslim customers not to use sharia banks are
knowledge, service, administrative advantages, products, and religiosity
The purpose of this study was to determine the effect of preference, knowledge,
service, administrative provit, product, and religiusitas about preference the muslim
customer not using the Islamic bank The analytical method used is the Logistic Method
with the help of software Microsoft Excel 2013 and SPSS 22 The primary data obtained
from the distributing quesionaire with the respondent university student from UIN Sunan
Kalijaga, UII, and UMY The independent variables consist of preference, knowledge,
service, administrative provit, product, and religiusitas, while the dependent variable is
muslim customer not using the Islamic bank
The results showed the variables preference, knoeledge, service, administrative
profit, product, and religiusitas positive and significans effect about preference muslim
customer not using the Islamic bank Be based on summary model obtained value Cox &
Snell R Square are 0,460 This suggest that at 46% independent variable can explain
dependen variabel and the remaining variables 54% influenced variables outside the
model While the Negelke R Square obtained value 0,707 This suggest that at 70,7%
independent variables can explain dependen variabel and the remaining variables 29,3%
influenced variables outsidethe model ( INDONESIA ) Berdasarkan UU no 10 tahun 1998 yang memberikan arahan bagi bank
konvensional untuk membuka unit usaha syariah, sistem perbankan di Indonesia ada dua
macam yaitu bank syariah dan bank konvensional Sejak awal berdiri pada tahun 1992
hingga tahun 2016 bank syariah selalu mengalami perkembangan baik asset, DPK,
maupun pembiayaan Akan tetapi semenjak tahun 2012 hingga 2016 perkembangan asset
pada bank syariah mengalami penurunan, ini ditandai dengan ketidakseimbangan antara
jumlah penduduk muslim di Indonesia dengan jumlah nasabah muslim yang
menggunakan bank syariah di Indonesia, jumlah nasabah muslim di Indonesia kurang
dari 10% dari total penduduk muslim di Indonesia Adapun beberapa faktor penyebab
nasabah muslim tidak menggunakan bank syariah adalah pengetahuan, pelayanan,
keuntungan administrasi, produk, dan religiusitas
Tujuan dari penelitian ini adalah untuk mengetahui pengaruh pengetahuan,
pelayanan, keuntungan administrasi, produk, dan religiusitas terhadap kecenderungan
nasabah muslim tidak menggunakan bank syariah Metode analisis yang digunakan
dalam penelitian ini adalah metode Logistic dengan bantuan software Microsoft Excel
2013 dan SPSS 22 Data primer diperoleh dari hasil penyebaran kuesioner yang diisi oleh
mahasiswa ekonomi islam dari UIN, UII, dan UMY Variabel independent terdiri dari
pengetahuan, pelayanan, keuntungan administrasi, produk, dan religiusitas, sedangkan
variable dependennya adalah nasabah muslim yang tidak menggunakan bank syariah
Hasil penelitian menunjukkan bahwa variabel preferensi, pengetahuan, pelayanan,
keuntungan administrasi, produk, dan religiusitas berpengaruh positif dan signifikan
terhadap preferensi nasabah muslim tidak menggunakan bank syariah Berdasarkan
model summary diperoleh nilai Cox & Snell R Square adalah 0,460 Hal ini menunjukkan
bahwa 46% variabel independen mampu menjelaskan variabel dependen dan 54%
sisanya dipengaruhi oleh variabel di luar model Sedangkan pada Negelke R Square
diperoleh nilai sebesar 0,707 yang berarti variabel independennya mampu menjelaskan
variasi dari variabel dependen sebesa 70,7%, dan sisanya yaitu 29,3% dijelaskan variabel
diluar model yang diteliti Penelitian ini menyimpulkan bahwa pengetahuan, pelayanan,
keuntungan administrasi, produk serta religiusitas merupakan faktor penyebab naabah
muslim tidak menggunakan bank syariah

Preferensi nasabah muslim tidak menggunakan bank syariah(studi kasus pada mahasiswa uin sunan kalijaga, umy dan uii)

This study aims to find factors that affecting customers’ preference in choosing Islamic bank. The data is collected through questionnaires spread to Islamic banks’ customers in seven cities and district in South Sumatera. The total questionnaires that can be used in the analysis is 509 questionnaires. The data is then analysed using mean ranking to see the factors that prioritized by the customers. The finding shows that staff friendliness, shariah compliance and fast and efficient banking service are found to be the factors that considered important by the customers. The customers also show a little concern on interest loan and saving offered by Islamic banks as they rank very low in the mean score ranking. This study gives insight to policy makers on factors that need attention in increasing the market share of Islamic banks in Indonesia.

Customers’ Preference in Choosing Islamic Banks

Behavior of asset accumulation or wealth accumulation becomes an important issue to study because it has the potential for aggregate and global financial imbalances. Economic theory explains that the accumulation of assets as a function to improve welfare in the context of business processes, has implications for the welfare of stakeholders, if the process of asset accumulation occurs due to sales growth, saving and investment, all three will not interact. To discuss this matter, research has been carried out on the manufacturing sub-sector in Indonesia Stock Exchange with pooling data for 2014-2018 and 342 samples. The results showed that sales growth, debt to equity ratio, and changes in equity had a positive effect on asset accumulation, while saving behavior as measured by marginal propensity to save had no effect on asset accumulation, and interestingly, asset turnover had a negative effect on asset accumulation as an indication that investment growth is not matched by an increase in income, meaning that the level of asset productivity is relatively low. This finding implies that asset growth does not make it more productive in generating sales growth, meaning that the accumulation of assets occurs due to an external funding mechanism and an increase in equity compared to a mechanism of growth, saving and investment.

Marlina Widiyanti

Papers

Customers’ Preference in Choosing Islamic Banks

Behavior of Accumulated Assets and Sources of Funding