Determinant of consumer decision on Islamic banking

Sari, Dian Novita Sari, Siswanto, Siswanto ORCID: https://orcid.org/0000-0003-0190-627X, Maksum, Ikhsan, Abdani, Fadlil, Khan, Ryan Basith Fasih ORCID: https://orcid.org/0000-0001-7840-0010, Retnasih, Nora Ria ORCID: https://orcid.org/0000-0001-5915-8871, Setiani, Setiani ORCID: https://orcid.org/0000-0002-7566-7358 and Masyhuri, Masyhuri (2023) Determinant of consumer decision on Islamic banking. El Dinar: Jurnal Keuangan dan Perbankan Syariah, 11 (1). pp. 115-135. ISSN 2622-0083

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Abstract

This study investigates the determinant of customer decisions in Islamic banks' savings: motivation, promotion, and religiosity. Trust variable as a form of research novelty as a mediation. This study uses a quantitative approach with explanatory research. Using purposive sampling, the sample is 95 Islamic bank customers in Nganjuk City, East Java. Data are analyzed using structural equation modeling with Smartpls software. This research generally describes the factors that can improve customer decisions in opening savings at Islamic banks, such as motivation, promotion, and religiosity. These three factors in this study proved that only direct motivation could improve customer decisions. The result means that the other two factors need a mediating variable in the form of customer trust in Islamic banks regarding the safety of money stored and guarantees free from usury. These findings can be a suggestion for the management of Islamic banks to do promotions more often, meaning that what has been done now is still inferior to conventional banks in promotion.

Item Type:	Journal Article
Keywords:	customer decision; motivation; promotion; religiosity; trust
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Siswanto Siswanto
Date Deposited:	04 May 2023 23:42

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