Empirical Determinants of Saving in Islamic Banks at Tasikmalaya City
DOI:
https://doi.org/10.22219/jes.v5i2.13303Keywords:
Islamic bank, Public interest, Knowledge, Location, Facilities, PromotionAbstract
This study aims to analyze several factors that influence public interest in saving in Islamic banks in the City of Tasikmalaya. These factors are location, knowledge, facilities, and promotions. This study uses primary data by giving questionnaires to the people of Tasikmalaya City, with a total sample 100 respondents. The method used was Multiple Linear Regression. Based on the analysis that has been done. The results found that the variable of location, knowledge, and promotion have a significant and positive effect on the community’s interest of saving in Islamic banks at Tasikmalaya, but the facility variable have not significant effect on the community’s interest in saving.
Downloads
References
Abdullah, W. A. W., Percy, M., & Stewart, J. (2015). Determinants of voluntary corporate governance disclosure: Evidence from Islamic banks in the Southeast Asian and the Gulf Cooperation Council regions. Journal of Contemporary Accounting & Economics, 11(3), 262-279. https://doi.org/10.1016/j.jcae.2015.10.001
Abdallah, M., & Lubis, I. (2013). Analisis minat menabung pada bank syariah di kalangan siswa SMA di Kota Medan (Studi Kasus Siswa Madrasah Aliyah Negeri). Journal of Chemical Information and Modeling, 53(9). https://doi.org/10.1017/CBO9781107415324.004
Abhimantra, A., Maulina, A. R., & Agustianingsih, E. (2013). Analisis Faktor-Faktor yang Mempengaruhi Nasabah (Mahasiswa) Dalam Memilih Menabung Pada Bank Syariah. Stomatologiia, 46(3), 27–39. Retrieved from http://www.ncbi.nlm.nih.gov/pubmed/5229465
Abdullayeva, M., Rasulev, A., Yakhshieva, M., Yusupov, R., & Otabouev, F. (2019). The role of islamic banking in the transformation of international corporations as a reflection of modern globalization and migration. Архив научных исследований. Retrieved from https://journal.tsue.uz/index.php/archive/article/view/369
Abedifar, P., Ebrahim, S. M., Molyneux, P., & Tarazi, A. (2015). Islamic banking and finance: Recent empirical literature and directions for future research. Journal of Economic Surveys, 29(4), 637-670. https://doi.org/10.1111/joes.12113
Ahmad, A. U. F., & Hassan, M. K. (2007). Regulation and performance of Islamic banking in Bangladesh. Thunderbird International Business Review, 49(2), 251-277. https://doi.org/10.1002/tie.20142
Ahmad, W., & Luo, R. H. (2010). Comparison of banking efficiency in Europe: Islamic versus conventional banks. In International Banking in the New Era: Post-Crisis Challenges and Opportunities. Emerald Group Publishing Limited. 11(1),361-389. https://doi.org/10.1108/S1569-3767(2010)0000011016
Alam, N., Zainuddin, S. S. B., & Rizvi, S. A. R. (2019). Ramifications of varying banking regulations on performance of Islamic Banks. Borsa Istanbul Review, 19(1), 49-64. https://doi.org/10.1016/j.bir.2018.05.005
Amin, M., Isa, Z., & Fontaine, R. (2013). Islamic banks: Contrasting the drivers of customer satisfaction on image, trust, and loyalty of Muslim and non‐Muslim customers in Malaysia. International Journal of Bank Marketing. 31(2), 79-97. https://doi.org/10.1108/02652321311298627
Albaity, M., & Rahman, M. (2019). The intention to use Islamic banking: an exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets, 14(5), 988-1012. https://doi.org/10.1108/IJOEM-05-2018-0218
Andespa, R. (2017). Faktor-Faktor yang Mempengaruhi Minat Nasabah dalam Menabung di Bank Syariah. Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan, 2(1), 43-57. https://dx.doi.org/10.15548/al-masraf.v2i1.90
Aprilianto, F. (2020). An Analysis of Financing Scheme Effect on Non-Performing Financing Asset at Islamic Banks In Indonesia. Falah: Jurnal Ekonomi Syariah, 5(1), 25-32. https://doi.org/10.22219/jes.v5i1.11400
Aris, N. A., Othman, R., & Azli, R. M. (2013). Pyramid of Maslahah for social and economic welfare: the case of Bank Islam Malaysia Berhad. Journal of Energy Technologies and Policy, 3(11), 457-470. Retrieved from https://d1wqtxts1xzle7.cloudfront.net/32447494/Pyramid_of_Maslahah_for_Social_and_Economic_Welfare.pdf?1385825611=&response-content-disposition=inline%3B+filename%3DIISTE_Journals_November_Edition_Publicat.pdf
Awan, H. M., & Bukhari, K. S. (2011). Customer's criteria for selecting an Islamic bank: evidence from Pakistan. Journal of Islamic marketing. 2(1), 14-27. https://doi.org/10.1108/17590831111115213
Banowati, M. M., & Sholeh, M. (2018). Faktor-Faktor Yang Mempengaruhi Niat Menabung Di Bank Syariah. Jurnal Ekonomi Dan Pendidikan, 15(1), 20–26. https://doi.org/10.21831/jep.v15i1.20299
Ceha, R., Dzikron, M., Muhamad, C. R., Farash, M., & Riyanto, S. (2020). The model for determining location of export coffee’s warehouse distribution in West Java. JPhCS, 1469(1), 012135. Retrieved from https://iopscience.iop.org/article/10.1088/1742-6596/1469/1/012135/meta
Dewa, N., & Zakaria, S. (2012). Training and development of human capital in Islamic banking industry. Journal of Islamic Economics, Banking and Finance, 8(1), 95-108. Retrieved from https://platform.almanhal.com/Files/2/22310
Damayanti, S. (2017). Pengaruh Pandangan Islam, Pelayanan Dan Keamanan Terhadap Minat Nasabah Untuk Menabung Di Bank Syariah Mandiri Cabang X. Jurnal Manajemen dan Pemasaran Jasa, 9(1), 17-34. Retrieved from https://trijurnal.temlit.trisakti.ac.id
Darmawan, A., Indahsari, N. D., Rejeki, S., Aris, M. R., & Yasin, R. (2019). Analisis Faktor-Faktor yang Mempengaruhi Minat Nasabah Menabung di Bank Jateng Syariah. Fokus Bisnis: Media Pengkajian Manajemen dan Akuntansi, 18(1), 43-52. https://doi.org/10.32639/fokusbisnis.v18i1.296
Diawati, P., & Loupias, H. H. (2019, July). The Role Of Low-End Disruptive Innovation In The Face Of Small Medium Industries Market Competition. A Case Study Of Tasikmalaya Embroidery Product. In 1st International Conference on Life, Innovation, Change and Knowledge (ICLICK 2018). Atlantis Press. https://doi.org/10.2991/iclick-18.2019.30
Erwin, K., Abubakar, E., & Muda, I. (2018). The Relationship of Lending, Funding, Capital, Human Resource, Asset Liability Management to Non-Financial Sustainability of Rural Banks (BPRs) in Indonesia. Journal of Applied Economic Sciences, 13(2), 520-542. Retrieved from https://web.b.ebscohost.com/abstract?direct=true&profile=ehost&scope=site&authtype=crawler
Farook, S., Hassan, M. K., & Lanis, R. (2011). Determinants of corporate social responsibility disclosure: the case of Islamic banks. Journal of Islamic Accounting and Business Research, 2(2), 114-141. https://doi.org/10.1108/17590811111170539
Fathurrahman, A., & Azizah, U. (2018). Analisis Fakor-Faktor Preferensi Mahasiswa terhadap Perbankan Syariah. Journal of Islamic Economis, Finance and Banking, 1(2), 99-122. https://doi.org/10.12928/ijiefb.v1i1.273
Firmansyah, E. A., & Gunardi, A. (2018). A New Paradigm in Islamic Housing: Non-Bank Islamic Mortgage. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(2), 313-324. Retrieved from http://journal.uinjkt.ac.id/index.php/iqtishad/article/view/7274
Ghozali, I. (2006). Aplikasi Analisis Multivariate Dengan Spss. Semarang: Universitas Diponegoro.
Hanif, M. (2014). Differences and similarities in Islamic and conventional banking. International Journal of Business and Social Sciences, 2(2), 1-25. Retrieved from https://ssrn.com/abstract=1712184
Hassan, K., & Cebeci, I. (2012). Integrating the social maslaha into Islamic finance. Accounting Research Journal, 25(3), 166-184. https://doi.org/10.1108/10309611211290158
Hassan, M. K., & Aliyu, S. (2018). A contemporary survey of Islamic banking literature. Journal of Financial Stability, 34, 12-43. https://doi.org/10.1016/j.jfs.2017.11.006
Imam, P., & Kpodar, K. (2016). Islamic banking: Good for growth?. Economic Modelling, 59, 387-401. https://doi.org/10.1016/j.econmod.2016.08.004
Imran, I., & Hendrawan, B. (2017). Pengaruh Persepsi Masyarakat Batam Tentang Bank Syariah Terhadap Minat Menggunakan Produk Bank Syariah. Journal of Applied Business Administration, 1(2), 209-218. https://doi.org/10.30871/jaba.v1i2.621
Inayah., N., & Sri Sudiarti, (2017). Analisis Keputusan Nasabah Menabung Di Bank Syariah (Studi Kasus di PT. BPRS Puduarta Insani), At-Tawassuth, 2(1), 191-214. http://dx.doi.org/10.30821/ajei.v2i1.780
Iqbal, M., & Molyneux, P. (2016). Thirty years of Islamic banking: History, performance and prospects. Springer.
Iqbal, Z., & Mirakhor, A. (2011). An introduction to Islamic finance: Theory and practice. John Wiley & Sons.
Jaiyeoba, H. B., Adewale, A. A., & Quadry, M. O. (2018). Are Malaysian Islamic banks’ corporate social responsibilities effective? A stakeholders’ view. International Journal of Bank Marketing. 36(1), 111-125. https://doi.org/10.1108/IJBM-10-2016-0146
Kammer, M. A., Norat, M. M., Pinon, M. M., Prasad, A., Towe, M. C. M., & Zeidane, M. Z. (2015). Islamic finance: Opportunities, challenges, and policy options (No. 15). International Monetary Fund.
Kasri, R., & Kassim, S. H. (2009). Empirical determinants of saving in the Islamic banks: Evidence from Indonesia. Journal of King Abdulaziz University: Islamic Economics, 22(2), 181-201. Retrieved from https://ssrn.com/abstract=3070122
Khan, M., Choi, S. B., Han, N. H., & Bae, J. H. (2019). Good faith principle of contract law for the islamic banking system. Utopia y Praxis Latinoamericana, 24(5), 239-251. Retrieved from https://d1wqtxts1xzle7.cloudfront.net/61594154/Good_Faith_Principle_in_Islamic_Contract_Law_for_the_Islamic_Banking_System20191223-11019-1rr9vw3.pdf?1577162222=&response-content-disposition=inline%3B+filename%3DGood_faith_principle_of_contract_law_for.pdf
Mahdi, F. M. (2019). Pengaruh Instabilitas Makroekonomi Terhadap Non-Performing Financing Perbankan Syariah di Indonesia. Falah: Jurnal Ekonomi Syariah, 4(2), 214-226. https://doi.org/10.22219/jes.v4i2.11190
Mariadas, P.A., & Murthy, U. (2017). Factors Influencing the Adoption of Islamic Banking in Malaysia. International Journal of Business and Management, 12(11), 187-197. https://doi.org/10.5539/ijbm.v12n11p187
Marlina, L., Nasrullah, A. A., & Ginanjar, A. W. (2020). The Effect of Marketing Mix Toward Decisions Become to A Customer BSM Gold Installment Financing Product at Bank Syariah Mandiri Branch Office of Singaparna Tasikmalaya. Review of Islamic Economics and Finance (RIEF), 3(1), 29-37. https://doi.org/10.17509/rief.v3i1.25691
Mawardi, I., Widiastuti, T., Al Mustofa, M. U., & Prasetyo, A. (2020). Do Indonesian Islamic Microfinance Institutions Need Lender of the Last Resort?. al-Uqud: Journal of Islamic Economics, 4(2), 235-249. https://dx.doi.org/10.26740/al-uqud.v4n2.p235-249
Mergaliyev, A., Asutay, M., Avdukic, A., & Karbhari, Y. (2019). Higher ethical objective (Maqasid al-Shari’ah) augmented framework for Islamic banks: Assessing ethical performance and exploring its determinants. Journal of Business Ethics, 1-38, https://doi.org/10.1007/s10551-019-04331-4. Retrieved from https://link.springer.com/content/pdf/10.1007/s10551-019-04331-4.pdf
Muklis, M., Reni, D., & Nurmaolidah, S. (2015). Factors Affecting Islamic Village Resident in PT BPRS Berkah Ramadhan Saving Tangerang, Banten Indonesia. Journal of Islamic Banking and Finance, 3(2), 67–74. https://doi.org/10.15640/jibf.v3n2a7
Nicholls, A. (2010). Institutionalizing social entrepreneurship in regulatory space: Reporting and disclosure by community interest companies. Accounting, Organizations and Society, 35(4), 394-415. https://doi.org/10.1016/j.aos.2009.08.001
Nugraheni, P., & Widyani, F. N. (2020). A study of intention to save in Islamic banks: the perspective of Muslim students. Journal of Islamic Marketing, 1(1), 20-27. https://doi.org/10.1108/JIMA-11-2019-0233
Nugroho, L., Utami, W., Sukmadilaga, C., & Fitrijanti, T. (2017). The Urgency of Allignment Islamic Bank to Increasing the Outreach (Indonesia Evidence). International Journal of Economics and Financial Issues, 7(4), 283-291. Retrieved from https://d1wqtxts1xzle7.cloudfront.net/54026340/4493-13273-1-PB.pdf?1501558959=&response-content-
Putri, Y., Solihat, A., Rahmayani, R., Iskandar, I., & Trijumansyah, A. (2019). Strategi meningkatkan Minat Menabung di Bank Syariah melalui Penerapan Religiusitas. Jurnal Manajemen dan Bisnis (Performa), 16(1), 77-88. https://doi.org/10.29313/performa.v16i1.4532
Rahmi, M., Azma, N., Obad, F. M., Zaim, M., & Rahman, M. (2020). Perceptions of Islamic banking products: Evidence from Malaysia. The Journal of Business Economics and Environmental Studies, 10(3), 35-42. https://doi.org/10.13106/jbees.2020.vol10.no3.35
Rammal, H. G., & Zurbruegg, R. (2016). Awareness of Islamic banking products among Muslims: The case of Australia. In Islamic Finance (pp. 141-156). Palgrave Macmillan, Cham. Retrieved from https://link.springer.com/chapter/10.1007/978-3-319-30918-7_9
Syafrina, N., & Manik, S. (2018). Faktor-Faktor Yang Mempengaruhi Masyarakat Non Muslim Menabung Di PT. Bank Syariah Mandiri Nova Syafrina Sudarmin Manik. JEBI (Jurnal Ekonomi Dan Bisnis Islam), 3(1), 59–70. http://dx.doi.org/10.15548/jebi.v3i1.145
Utami, P., & De Guzman, M. J. J. (2020). Innovation of Technology-Based Strategies Based on Environmental Examination Organizations in Islamic Banking and Finance. Asian Journal of Multidisciplinary Studies, 3(1), 117-126. Retrieved from https://asianjournal.org/online/index.php/ajms/article/view/264
Venardos, A. M. (2012). Islamic banking & finance in South-East Asia: Its development & future. World Scientific.
Wijayani, D. R. (2017). Kepercayaan Masyarakat Menabung pada Bank Umum Syariah. Muqtasid: Jurnal Ekonomi dan Perbankan Syariah, 8(1), 1-12. https://doi.org/10.18326/muqtasid.v8i1.1-12
Wahab, W. (2016). Pengaruh tingkat bagi hasil terhadap minat menabung di bank syariah. JEBI (Jurnal Ekonomi dan Bisnis Islam), 1(2), 167-184. Retrieved from http://journal.febi.uinib.ac.id/index.php/jebi/article/view/33
Yupitri, E., & Sari, R. (2012). Analisis Faktor-Faktor Yang Mempengaruhi Non Muslim Menjadi Nasabah Bank Syariah Mandiri Di Medan. Ekonomi Dan Keuangan, 1(1), 46-60. Retrieved from https://media.neliti.com/media/publications/14867-ID-analisis-faktor-faktor-yang-mempengaruhi-non-muslim-menjadi-nasabah-bank-syariah.pdf
Zainurahman, A., & Mardani, D. A. (2020, June). Analysis of Community Preferences of Sharia Banks. In 1st Annual Conference of Ihtifaz: Islamic Economics, Finance, and Banking (pp. 57-70). Retrieved from http://seminar.uad.ac.id/index.php/ihtifaz/article/view/3620
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish with this journal agree to the following terms:- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
