LOYALITAS NASABAH BANK SYARIAH: PERAN RELIGIUSITAS DAN KEPERCAYAAN

Intan Nurrachmi (Universitas Islam Bandung, Indonesia)
Setiawan Setiawan (Politeknik Negeri Bandung)

Abstract


Abstract

Islamic bank products must attract the interest and loyalty of their customers, by providing a sense of security and instilling customer confidence in the bank. Most Sharia bank customers are Muslims. However, if a Sharia bank is limited to only Muslim customers, it will hamper the development of the bank, then Sharia banks must be able to attract customers, both Muslims and non-Muslims. This study examines the loyalty of Islamic bank customers from the role of religiosity and customer trust. This research was conducted to Sharia bank customers in the city of Bandung with a random sampling method, data were collected through questionnaires and proof of hypothesis using Structural Equation Modeling - Partial Least Square (SEM - PLS) analysis. The test results state that: religiosity has a significant effect on trust; religiosity has a significant effect on loyalty; trust has a significant effect on loyalty; and religiosity has a significant effect on loyalty through trust.


Keywords


loyalty, trust, religiosity, Islamic bank, bank customer

Full Text:

PDF

References


Adil, U. (2017). Bisnis Syariah Di Indonesia. Jakarta : Mitra Wacana Media.

Fahmi, Abu. dkk. (2014). HRD Syariah Teori dan Implementasi. Jakarta : PT Gramedia Pustaka Utama.

Hair, J.F., Hult, G.T.M., Ringle, C.M. and Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM). Sage. Los Angeles.

Muhammad. (2011). Manajemen Bank Syariah. Yogyakarta: STIM YKPN.

Umam, Khotibul. Utomo, Setiawan Budi. (2017). Perbankan Syariah. Jakarta : RajaGrafindo Persada.

Jurnal

Abou-Youssef, M.M.H., Kortam, W., Abou-Aish, E. and El-Bassiouny, N. (2015). Effects of religiosity on consumer attitudes toward Islamic banking in Egypt. International Journal of Bank Marketing, 33(6), 786-807.

Chin, W.W., Peterson, R.A. and Brown, S.P. (2008). Structural equation modeling in marketing: some practicalreminders. Journal of Marketing Theory and Practice, 16(4), 287-298.

Hijriyani, N. Z., & Setiawan. (2017). Analisis Profitabilitas Perbankan Syariah di Indonesia sebagai Dampak dari Efisiensi Operasional. Jurnal Kajian Akuntansi, 1(2), 194-209.

Hoq, M. Z., Sultana, N. and 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), 70-93.

Khan, G.M., Amine, L.S., Uddin, S.J. and Zaman, M. (2011). The internationalization of an Arab bank: the case of Ahli United Bank of Bahrain. Thunderbird International Business Review, 53(5), 581-600.

Muslim, A., Zaidi, I. and Rodrigue, F. (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.

Nizar, S. and Marzouki, R. (2015). Consumer attitudes and purchase intentions toward Islamic banks: the influence of religiosity. International Journal of Bank Marketing, 33(2), 143-161.

Setiawan, S. (2018). Determinan Penentu Pertumbuhan Dana Pihak Ketiga Perbankan Syariah di Indonesia. Jurnal MAPS (Manajemen Perbankan Syariah), 1(2), 1-9.

Setiawan, S., & Mauluddi, H. A. (2019). Perilaku Konsumen Dalam Membeli Produk Halal di Kota Bandung. At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam, 5(2), 232-246.

Setiawan, S., Setyowati, D. H., & Tripuspitorini, F. A. (2020). Dimensi Risiko Bagi Konsumen Dalam Membeli Produk Halal. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 4(1), 32-40.

Setyowati, D. H., Sartika, A., & Setiawan, S. (2019). Faktor-Faktor yang Mempengaruhi Pangsa Pasar Industri Keuangan Syariah Non-Bank. Jurnal Iqtisaduna, 5(2), 169-186.

Suhartanto, D., Farhani, N. H., Muflih, M, Setiawan. (2018). Loyalty Intention towards Islamic Bank: The Role of Religiosity, Image, and Trust. International Journal of Economics & Management, 12(1), 137-151.

Suhartanto, D., Gan, C., Sarah, I. S., & Setiawan, S. (2020). Loyalty towards Islamic banking: service quality, emotional or religious driven?. Journal of Islamic Marketing, 11(1), 66-80.

Syed Shah, A., Rohani, M. and Badrul, H. (2011). Is religiosity an important determinant on Muslim consumer behavior in Malaysia? Journal of Islamic Marketing, 2(1), 83-96.

Tang, G. and Li, D. (2015). Is there a relation between religiosity and customer loyalty in the Chinese context? International Journal of Consumer Studies, 39(6), 639-647.

Internet

Suara Merdeka. (2018). Market Share Bank Syariah di Jawa Barat Baru 11 Persen. [online], tersedia: https://www.suaramerdeka.com/news/baca/111530/market-share-bank-syariah-di-jawa-barat-baru-11-persen. Sabtu, 4 April 2018 | 14:45 WIB. Diakses tanggal 29 Maret 2020.




DOI: https://doi.org/10.24952/tijaroh.v6i2.2357

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Web Analytics Made Easy - Statcounter