Preferensi Masyarakat Desa dan Kota Terhadap Perbankan Syariah di Kabupaten Jember
Abstract views: 212
,
PDF downloads: 329
Abstract
Introduction: This study aims to determine the preferences of rural and urban communities in Jember Regency for Islamic banking. Several factors influence these preferences, including knowledge of Islamic banking and the location of Islamic banking. Research Methods: This research method used a quantitative approach with multiple linear regression analysis. The object of his research includes rural and urban communities in Jember Regency. The sample selection in this study used random sampling of 200 respondents and was carried out randomly. Results: The variable knowledge of Islamic banking in urban and rural communities positively and significantly influences Islamic banking in Jember Regency. Furthermore, the variable location of Islamic banking in rural and urban communities positively influences Islamic banking in Jember Regency. Conclusion: Thus, it is necessary to expand access to Islamic banks to continue increasing the number of offices so that the general public can find information about Islamic banking. This is an excellent opportunity for financial institutions such as Islamic banks to exist and be sustainable.
References
Afif, M., & Mulyawisdawati, R. A. (2016). Celah Riba Pada Perbankan Syariah Serta Konsekwensinya Terhadap Individu, Masyarakat Dan Ekonomi. Cakrawala: Jurnal Studi Islam, 11(1), 1–21. https://doi.org/10.31603/cakrawala.v11i1.90
Ascarya. (2009). Pemetaan Potensi Perbankan Syariah di Indonesia. September.
Chatterjee, B. B. J. R. R. P. (2018). Retail Management: A strategic Approach. In Pearson (Vol. 3). https://doi.org/10.1177/0256090920050213.
Diartho, H. C., Kurniawan, R., & Zaenuri, Z. (2019). Preferensi Petani terhadap Pembiayaan Syariah di Kabupaten Jember. Journal of Regional and Rural Development Planning, 3(2), 131–141. https://doi.org/10.29244/jp2wd.2019.3.2.131-141.
Fathurrahman, A., & Azizah, U. (2018). Analisis Faktor-Faktor Preferensi Mahasiswa terhadap Perbankan Syariah (Studi Kasus pada Mahasiswa Ilmu Ekonomi Universitas Muhammadiyah Yogyakarta). Ihtifaz: Journal of Islamic Economics, Finance, and Banking, Vol.1, No(0274), 99–121.
Kasmiah, St. Fitri, Fitri Kumalasari, & Andi Muttaqin Mufti. (2019). Persepsi Masyarakat Perkotaan dan Pedesaan Terhadap Perbankan Syariah. Jurnal Ekonomi Bisnis Syariah, 2(1), 22–38. https://doi.org/10.5281/zenodo.2649805.
Munawaroh. (2017). Analisis Perilaku Nasabah Dalam Pengambilan Keputusan Terhadap Produk Pembiayaan. Universitas Islam Negeri Raden Intan Lampung.
Mursyid. (2011). Preferensi Masyarakat Kota Samarinda Terhadap Bank Syariah. NALAR FIQH Jurnal Kajian Ekonomi Islam Dan Kemasyarakatan, 3(1).
Nurhayati, I., Endri, E., Riani, D., & Bimo, W. A. (2022). Community’s Potential and Preferences for Islamic Banking: The Case of Indonesia. WSEAS Transactions on Environment and Development, 18, 1094–1105. https://doi.org/10.37394/232015.2022.18.104.
Nursakina, & Junaidi. (2022). Determinant Muslim People to Adopt Islamic Bank in Indonesia. Fokus Bisnis: Media Pengkajian Manajemen Dan Akuntansi, 21(2). https://doi.org/10.32639/fokbis.v21i2.214.
Otoritas Jasa Keuangan. (2019). Statistik Perbankan Syariah - Desember. In Journal of Chemical Information and Modeling.
Pitri, T. L. (2017). Pengaruh Lokasi, Produk, dan Pelayanan Terhadap Keputusan Mahasiswa Iain Salatiga Dalam Menjadi Nasabah Bank Syariah. Institute Agama Islam Negeri Salatiga.
Ratnasari Manggu, S., & Dahlia, D. (2019, September 17). The Influence of Perceptions Towards Preference Communities on Islamic Banks in Polewali Mandar District, West Sulawesi. ICEASD. https://doi.org/10.4108/eai.1-4-2019.2287181.
Siregar, O. M., Selwendri, S., & Abdillah, M. B. (2020). Analysis of Community Perception Towards Sharia Banking in North Sumatra. JUPIIS: Jurnal Pendidikan Ilmu-Ilmu Sosial, 12(1), 1. https://doi.org/10.24114/jupiis.v12i1.14395.
Sofyan, A. S., Yunus, A. R., Muslihati, M., Anwar, N., & Saidy, E. N. (2021). Local Economic Practices in Developing Islamic Financial Products in Indonesia. Al-Tijary, 141–163. https://doi.org/10.21093/at.v6i2.2946.
Sunaryo. (2017). Etika Berbasis Kebebasan Amartya Sen Integrasi Kebebasan Dalam Pilihan Sosial, Demokrasi, Dan Pembangunan. Gramedia Pustaka.
Syaima, N. N. (2017). Pengaruh Merek, Reputasi, Kualitas Pelayanan, dan Lokasi Terhadap Proses Keputusan Nasabah Menggunakan Produk Tabungan di BJB Syariah KPC. Ciputat. Universitas Islam Negeri Syarif Hidayatullah Jakarta.
Copyright (c) 2023 Lilis Yuliati, Fifi Nur Rohmah, Septarina Prita Dania Sofianti
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Etihad: Journal of Islamic Banking and Finance allow the author(s) to hold the copyright without restrictions and allow the author(s) to retain publishing rights without restrictions, also the owner of the commercial rights to the article is the author.
