Analisis Faktor-Faktor Preferensi Etnis Tionghoa Terhadap Bank Syariah di Indonesia
Article Sidebar
Main Article Content
Abstract
The research aimed to develop and to test the consistency of the relationship between preference factrs of Chinese Ethnic towards Islamic Banks in Indonesia. According to previous research, customer’s internal and external factors as well as marketing strategy of the Islamic Banks are the main reason behind their decisions to become Islamic Banks’ customers. However, some of the previous researches have also shown inconsistent result in which it is stated that the religious factor is the main reason for Chinese Ethnic to choose Islamic Banks, whereas some other research concluded that religion has nothing to do with the decision to become customer in Islamic Banks.
In line with the purpose of the research is to analyze how far the factors mentioned above could influence the preference of people with Chinese Ethnicity towards Islamic Banks. The approach used in this research is survey method. Sumarwan (2011) explains that survey is a design of a research which collects data from some respondents that are selected from a population. The sample of this research is Indonesian Chinese Ethnics, including the Muslim ones and also include those who are already a customer in Islamic Banks as well as those who are not. This study specifically analyzes perception attribute variable such as location, higher return, quality service, Islamic bank’s reputation and image, product features, marketing, and teknology; and also environment variable, personal variable, culture variable, and lastly preference variable of the Chinese ethnics towards Islamic Banks in Indonesia by using AIDA (awareness, interest, desire) model approach. The data is analyzed by using SEM (structural equation model) technique.
An interesting phenomenon of the research is that Islamic Banks use Islamic principles which prohibited the act of Riba’, while the Chinese Ethnic customers and the prospective customers also considering the same thing. Most of Chinese Ethnics are Buddhist, Christian, and Catholic which prohibited interests in banking system.
The result of this study concluded that the level of knowledge of Chinese Ethnics that are not yet a customer towards Islamic Banks is lower than the knowledge level of Muslim Chinese Ethnics who are already a customer in Islamic Banks. With AIDA model, it is found that environment variable which consists of social and culture has significant influence towards atribute perception and also towards other AIDA variables such as Awareness, interest and desire.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Author(s) who published in this journal agree to following terms:
- Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah. The statement to release the copyright to Al-Muzara'ah is stated in form CTA (link doc).
- Copyright encompass exclusive rights to reproduce, to distribute, and to sell any part of the journal articles in all form and media.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA) where Authors and Readers can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, but they must give appropriate credit (cite to the article or content), provide a link to the license, and indicate if changes were made. If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
References
Abdulrasheed A. Influence Of Personality Variables On People’s Attitude Towards Usage Of Banks In Ilorin Metropolis [Research Field:Department Of Accounting And Finance]. Ilorin (ID): UniversityOf Ilorin.
Adawiyah RW. 2010. Pertimbangan, Pengetahuan, dan Sikap Konsumen Individu Terhadap Bank Syariah. Jurnal Ekonomi Pembangunan. Vol. 11 No.2.
Assael, H. 1992. Consumer Behavior & Marketing Action, USA: PWS-KENT Publishing Company.
Amin Muslim, Isa Zaidi. 2008. An Examination Of The Relationship Between Service Quality Perception And Customer Satisfactio. International Journal Of Islamic And Middle Eastern Finance And Management. Vol 1.No. 3, 2008 pp. 191-209.
Arifin Atwal, Khotimah Husnul. 2014. Pengaruh Produk, Pelayanan, Promosi, dan Lokasi terhadap Keputusan Masyarakat memilih Bank Syariah di Surakarta. Seninar Nasional dan Call for Paper. ISBN: 978-602-70429-2-6.
Armstrong J Scott. 1991. Prediction Of Consumer Behavior By Experts And Novices. Journal Of Consumer Research. Vo. 18. 251-256.
Awan Hayat M, Bukhari KS. 2011. Customer’s Criteria for Selecting an Islamic Bank: Evidence From Pakistan. Journal of Islamic Marketing. Vol 2 No. 1, 2011.
Bank Indonesia. 2002. Cetak Biru Pengembangan Perbankan Syariah Indonesia.Jakarta: Bank Indonesia.
Biro Perbankan Syariah Bank Indonesia. 2013. Statistik Perbankan Syariah Maret 2013. Jakarta: Bank Indonesia.
-----. 2013. Statistik Perbankan Syariah Maret 2003. Jakarta: Bank Indonesia.
-----. 2013. Laporan Triwulanan Perbankan Syariah-Triwulan I/2013. Jakarta: Bank Indonesia.
Dusuki AW, Abdullah NI. 2007. Why Do Malaysian Customers Patronise Islamic Banks?. International JournalOf Bank Marketing. Vol. 25 No. 3, 2007.
Dwiastuti R, Sinta A, Isaskar R. 2012. Ilmu Perilaku Konsumen. Cetakan Pertama. Malang (ID): UB Press.
Haron Sudin, Ahmad Norafifah, Planisek Sandra L. 1994. Bank Patronage Factors of Muslim and Non-Muslim Customers. International Journal Of BankMarketing. Vol.12 No.1, 1994, pp. 32-40
Erol C, El-Bdour R. 2007. Attitudes, Behaviour and Petronage Factors Of Bank Customers Towards Islamic Banks [Emerald BackFiles 2007]. Jordan (ID): Yarmouk University.
Engel, J.F.,Blackwell, R.D. dan Miniard, P.W. 1995. Perilaku Konsumen Jilid 2 Edisi Keenam.Jakarta (ID): Binarupa Aksara.
Feist, Jess, and Feist, J., Gregory. 2008. Theories of Personality. Yogyakarta: Pustaka Pelajar.
Hafiduddin D, Tanjung H. 2003. Manajemen Syariah. Cetakan Pertama. Jakarta (ID): Gema Insani
Hidajat. 1984. Masyarakat dan Kebudayaan Cina Indonesia. Bandung: TARSITO.
Hidayat SE, Al-Bawari NK. 2011. Non-Muslims’ Perceptions Toward Islamic Banking Services In Saudi Arabia. [Research Field : Islamic Banking And Finance]. Bahrain (ID): University College Of Bahrain.
Hejase Hussin. 2012. Marketing Mix: An Exploratory Research In Syria From An Islamic Perspective. AmericanJournal Of Scientific Research. pp.33-52.
Haron, S., Ahmad, Norafifah., and Planisek, Sandra, L. 1994.Bank PatronageFactors of Muslim and Non-MuslimCustomers, International Journal of BankMarketing. Volume: 12 Issue: 1 Page: 32– 40.
Husodo, Siswono Yudo. 1985. Warga Baru (Kasus Cina Di Indonesia). Jakarta: Lembaga Penerbitan Yayasan Padamu Negeri.
http://arryrahmawan.net/teknik-pemasaran-dengan-7p-marketing-mix/
http://historyrendhy.blogspot.com/2012/06/dominasi-etnis-cina-dalam-kegiatan.html
http://id.wikipedia.org/wiki/Tionghoa-Indonesia
http://iccsg.wordpress.com/2006/01/23/perilaku-ekonimi-etnis-cina-di-Indonesia-sejak-tahun-1930-an-fr-wulandari/
Iska S. 2012. Sistem Perbankan Syariah di Indonesia Dalam Perspektif Fikih Ekonomi. Cetakan Pertama. Yogyakarta (ID): Fajar Media Press.
Kanuk, Leslie, Lazar, and Schiffman, Leon, G. 2007. Consumer Behavior, New Jersey: Prentice-Hall Inc.
Khan MSN, Hassan MK, Shaid AI. 2007. Banking Behavior Of Islamic Bank Customers In Bangladesh. Journal Of Islamic Economic, Banking and Finance.
K Yulianto F, Yuniarinto A, Surachman. 2010. Analisis Pengaruh Faktor Bauran Pemasaran Terhadap Pertimbangan Nasabah Dalam Memilih Bank Syariah Di Kota Medan. Wacana. Vol. 13 No. 4.
Mackie.1991. Peran Ekonomi dan Identitas Etnis Cina Indonesia dan Muangthai. Jakarta: Pustaka Utama Grafika.
Markhamah, 2000.Etnik Cina: Kajian Linguistik Kultural. Surakarta: Muhammadiyah University Press.
Maski G. 2010. Analisis Keputusan Nasabah Menabung. Journal Of Indonesian Applied Economics. Vol. 4 No. 1.
Naisbitt, J. (1997). Megatrends Asia. New York: Touchstone Rockefeller Center.
Mutasowifin A. 2003. Menggagas Strategi Pengembangan Perbankan Syariah di Pasar Non Muslim. Jurnal Universitas Paramadina. Vol. 3 No.1.
Rangkuti F. 2005. Marketing Analysis Made Easy.Jakarta (ID) : PT Gramedia Pustaka Utama.
R Aritonang LR. 2007. Riset Pemasaran Teori & Praktik. Cetakan Pertama. Jakarta(ID): Ghalia Indonesia.
Sutanto H, Umam K. 2013. Manajemen Pemasaran Bank Syariah.Cetakan Pertama. Bandung(ID): Pustaka Setia.
Sumarwan U. 2013.Pemasaran Strategik: Perspektif Value-Based Marketing & Pengukuran Kinerja. Cetakan ke-3. Bogor (ID): IPB Press.
Sumarwan U. 2011. Perilaku Konsumen: Teori dan Penerapannya dalam Pemasaran. Edisi ke-2.Cetakan ke-3. Bogor (ID): Ghalia Indonesia.
Tarmizi E.2012. Harta Haram Mualamah Kontemporer. Catakan ke-3. Bogor (ID): Berkat Mulia Insani.
Wibowo M. 2010. Perilaku Konsumen Pengaruhnya Terhadap Keputusan Menjadi Nasabah Pada Kopwan Syariah. Jurnal Dinamika Manajemen. Vol. 1 No. 1.
Widyahartono, Bob. 1988. Kongsi dan Spekulasi Jaringan Kerja Bisnis Cina. Jakarta: Pustaka Utama Grafiti.
www.matahaticorp.com/kini-saatnya-etnis-cina-berkuasa-penuh-di-ri/
Zein, Abdul Baqir.2000. Etnis Cina Dalam Potret Pembauran Indonesia. Jakarta: Prestasi Insan Indonesia.