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Journal : JURNAL ECONOMIA

The Behavioral Intentions of Muslim and Non-Muslim Customers Toward Bank Syariah Indonesia Products Post-Merger Nizam, Ahmad; Saputra, Al Mahfud
Jurnal Economia Vol. 21 No. 1 (2025): February 2025
Publisher : Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/economia.v21i1.71025

Abstract

AbstractThis study aims to evaluate the impact of the conversion and merger of Bank Syariah Indonesia (BSI) after the implementation of the Qanun that requires all financial institutions in Aceh to switch to sharia. The sample consisted of 300 Muslim and non-Muslim customers. Using the Theory of Reasoned Action (TRA) and Theory of Planned Behavior (TPB), the study analyzed changes in customer behavior in response to the regulation. The findings show that the conversion initially decreased customers' attitudes and subjective norms towards using BSI products, but increased post-merger. There is a difference between Muslim and non-Muslim customers' attitudes; non-Muslim customers support BSI products despite unfavorable subjective norms, while Muslim customers only show subjective norms without significant attitudes towards usage intention. These findings provide insights for IB service providers to design innovative services that accommodate different consumer attitudes and ensure comprehensive application of Islamic principles.
Co-Authors A. Sakir, A. Abd Karim, Mohd Rahimie bin Ade Irma Suryani Adnan, Muhd Alifah, Nisrina Nur Amanatillah, Dara Amir, Fakhrurrazi Amri Amri Amri Aqil, Atallah Aurman, Aurman Azuddin Yakob, Noor Bambang Bambang Budin, Dg Safrina Ag BZ, Fazli Syam Chan, Syafruddin Chenny Seftarita Cut Aprilia Cut Elfida Dahlan, Haris Bin Darwanis Darwanis Dedi Suryadi Dewi, Nurfitria Evi Mutia Faisal Faisal Farid Farid, Farid Farid Mulana Fatahillah, Habib Halim, Hendra Halimatussadiah, Halimatussadiah Halimatussakdiah Halimatussakdiah Hamdi Harmen Haris Riyaldi, Muhammad Hawa, Aqlima Putri Hermawan, Yudi Idris, Sofyan Ikhsan In-In Hanidah Iskandarsyah Madjid, Iskandarsyah Ismail, Adawiyah Jalaluddin Jalaluddin Jannah, Rauzatul Jhon Andra Asmara Kanchawongpaisan, Sipnarong Kesuma, T. Meldi Khairat, Ummil Lada, Suddin Long, Ahmad Sunawari bin M. Shabri Abd. Majid Mahdani, Mahdani Mauliani, Mela Muhammad Adam, Muhammad Muhammad Haris Riyaldi, Muhammad Haris Muhammad Syahrizal, Teuku Mukhlis Yunus Nabilah Nabilah Nainggolan, Elisabeth Nainggolan, Susan Grace V Nasution, Lisa Elianti Nisva, Raisa Ullya novindra . Nufus, Zakiatun Nurma Sari, Nurma Nuryadi, Rio Arian Syaputra Othman, Razali Bin Qashmal, Muhammad Rakhmawati, Lenny Rashid, Muhammad Hafiz Abd Ratna Mulyany, Ratna Ridwan Nurdin Riha Dedi Priantana Riskyandana, Haykal Rivani, Rivani Rizqi, Muhammad Fauzil Runaika, Nafisya Said Musnadi Sakir, A Saputra, Al Mahfud Sari, Meutia Dwi Novita Sartiyah Siregar, M. Ridha Siregar, Muhammad Ridha Sri Rezeki Syahriyal Taufiq Carnegie Dawood Teuku Meldi Kesuma, Teuku Meldi Tiarni, Risa Umuri, Khairil Umuri, khairil Umuri Widalicin Januarty Yaacob, Salmy Edawati Zahrani, Nazila Zahri Hamat