Open Journal Systems

POTRET HUBUNGAN NASABAH BANK SYARIAH: STUDI DEMOGRAFI WILAYAH PEKALONGAN

Muhammad Nasrullah, Kuat Ismanto, Nalim Nalim

Abstract

This purposes of study is to explore the demography characteristic and relationship of Islamic bank’s customers at Pekalongan residence, by collecting data from a sample of six customers’ Islamic bank. A comprehensive descriptive analysis is used to explain the findings of this study. The result show that: first, most of the customers are moeslem. Second, there is no significant difference amount between men and women customers. Third, most of Islamic banking’s customers are highly educated and have various occupations such as enterpreneurs, employees, and civil government employees. Fourth, most of customers have durable relationship with the banks in less five years and most of them only have maximum Rp 20 millions in their accounts. And they also have relationship with conventional banks. Considering this condition, Islamic banking must improve their corporal efficiency and core banking to increase their competitive advantages.

Keywords

Islamic Banking; Customers’ Demography; Customers Relationship

References

Abdel-Magid, M. F. 1981. The theory of Islamic Banking: Accounting Implications. International Journal of Accounting, 17(1), 79-102.

Abduh, M., Kassim, S., & Dahari, Z. 2012. Customer Satisfaction and Switching Behavior in Islamic Banking: Evidence from Indonesia. School of Doctoral Studies (European Union) Journal, (4), 209-215.

Ahmad, K., Rustam, G. A., & Dent, M. M. 2011. Brand Preference in Islamic Banking. Journal of Islamic Marketing, 2(1), 74-82.

Alfansi, L., & Sargeant, A. 2000. Market Segmentation in the Indonesian Banking Sector: The Relationship Between Demographics and Desired Customer Benefits. International Journal of Bank Marketing, 18(2), 64-74.

Altwijry, O. I., & Abduh, M. 2013. Customer Satisfaction and Switching Behavior in Saudi Islamic Banks: An Exploratory Study. Journal of Islamic Finance, 2(2).

Amin, H., Rahim Abdul Rahman, A., Laison Sondoh Jr, S., & Magdalene Chooi Hwa, A. 2011. Determinants of Customers' Intention to Use Islamic Personal Financing: The Case of Malaysian Islamic Banks. Journal of Islamic Accounting and Business Research, 2(1), 22-42.

Amin, M., & Isa, Z. 2008. An Examination of The Relationship Between Service Quality Perception and Customer Satisfaction: A SEM Approach towards Malaysian Islamic banking. International Journal of Islamic and Middle Eastern Finance and Management, 1(3), 191-209.

Bashir, M. S. 2013. Analysis of Customer Satisfaction with the Islamic Banking Sector: Case of Brunei Darussalam. Asian Journal of Business and Management Sciences, 2(10), 38-50.

Cohen, D., Gan, C., Hwa, A., & Chong, E. 2006. Customer Satisfaction: a Study of Bank Customer Retention in New Zealand.

Colgate, M., & Hedge, R. 2001. An Investigation into The Switching Process in Retail Banking Services. International Journal of Bank Marketing, 19(5), 201-212.

Erol, C., & El-Bdour, R. 1989. Attitudes, Behaviour, and Patronage Factors of Bank Customers towards Islamic Banks. International Journal of Bank Marketing, 7(6), 31-37.

Gerrard, P., & Barton Cunningham, J. 1997. Islamic Banking: A Study in Singapore. International Journal of Bank Marketing, 15(6), 204-216.

Hamid, M. A., & Othman, M. S. 2009. A study on the level of knowledge and understanding among Muslims towards the concepts, Arabic and Shariah terms in Islamic Insurance (takaful). European Journal of social sciences, 10(3), 468-478.

Haque, A. K. M., Osman, J., & Ismail, A. Z. 2009. Factor Influences Selection of Islamic Banking: A Study on Malaysian Customer preferences. American Journal of Applied Sciences, 6(5), 922-928.

Haron, S., Ahmad, N., & Planisek, S. L. 1994. Bank Patronage Factors of Muslim and non-Muslim Customers. International Journal of Bank Marketing, 12(1), 32-40.

Hoq, M. Z., Sultana, N., & Amin, M. 2010. The Effect of Trust, Customer Satisfaction and Image on Customers' Loyalty in Islamic Banking Sector. South Asian Journal of Management, 17(1), 70.

Kang, G. D., & James, J. 2004. Service Quality Dimensions: An Examination of Grönroos’s Service Quality Model. Managing Service Quality: An International Journal, 14(4), 266-277.

Kaynak, E., Küçükemiroglu, O., & Odabasi, Y. 1991. Commercial Bank Selection in Turkey. International Journal of Bank Marketing, 9(4), 30-39.

Khan, M. S. N., Hassan, M. K., & Shahid, A. I. 2008. Banking Behavior of Islamic Bank Customers in Bangladesh. Journal of Islamic Economics, Banking and Finance, 3(2), 159-194.

Lazer, A. C., & McKenna, P. J. 1994. Asymptotic Behavior of Solutions of Boundary Blowup Problems. Differential and Integral Equations, 7(3-4), 1001-1019.

Machauer, A., & Morgner, S. 2001. Segmentation of Bank Customers by Expected Benefits and Attitudes. International Journal of Bank Marketing, 19(1), 6-18.

McDougall, G. H., & Levesqu, T. J. 1994. Benefit Segmentation Using Service Quality Dimensions: An Investigation in Retail Banking. International Journal of Bank Marketing, 12(2), 15-23.

Metawa, S. A., & Almossawi, M. 1998. Banking Behavior of Islamic Bank Customers: Perspectives and Implications. International Journal of Bank Marketing, 16(7), 299-313.

Mittal, B., & Lassar, W. M. 1998. Why Do Customers Switch? The Dynamics of Satisfaction versus Loyalty. Journal of services marketing, 12(3), 177-194.

Owusu-Frimpong, N. 1999. Patronage Behaviour of Ghanaian Bank Customers. International Journal of Bank Marketing, 17(7), 335-342.

Rammal, H. G., & Zurbruegg, R. 2007. Awareness of Islamic Banking Products among Muslims: The case of Australia. Journal of Financial Services Marketing, 12(1), 65-74.

Rashid, M., & Hassan, M. K. 2009. Customer Demographics Affecting Bank Selection Criteria, Preference, and Market Segmentation: Study on Domestic Islamic Banks in Bangladesh. International journal of Business and Management, 4(6), 131.

Rashid, M., Hassan, M. K., & Ahmad, A. U. F. 2009. Quality Perception of The Customers towards Domestic Islamic Banks in Bangladesh. Journal of Islamic Economics, Banking and Finance, 5(1), 109-131.

Rose, M. 2006. Money and Capital Markets: Financial Institutionand Instrument in Global Marketplace (9 ed), NY: McGraw-Hill Irwin

Royne Stafford, M. 1996. Demographic Discriminators of Service Quality in The Banking Industry. Journal of services marketing, 10(4), 6-22.

Siddiqui, M. N. 1985. “Partnership and Profit-Sharing in Islamic Law" The Islamic Foundation. Islamic Economic Series-9.

Umar, H. 2005. Studi Kelayakan Bisnis. Jakarta: Gramedia.

Wajdi Dusuki, A., & Irwani Abdullah, N. 2007. Why do Malaysian Customers Patronise Islamic Banks? International Journal of Bank Marketing, 25(3), 142-160.

Full Text: PDF (Bahasa Indonesia)

DOI: 10.21043/equilibrium.v5i1.2179