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Swadia Gandhi Mahardika
Universitas Mulawarman
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Journal : INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen

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Perceptions of civil servant towards sharia bank service: evidence from employees on public works and spatial planning department in Samarinda city Mahardika, Swadia Gandhi; Fajri AF, Muh Shadiqul; Bustami, Abiyajid; Ain Fitriah, Rinna Ramadhan; Yuningsih, Isna
INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Vol. 19 No. 2 (2023): Mei
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jinv.v19i2.2936

Abstract

The background of this research was the salary distribution for the civil servants. The salary distribution for employees on the Department of Public Works and Spatial Planning or Dinas Pekerjaan Umum dan Penataan Ruang (PUPR) in Samarinda City was from the conventional bank. However, the civil servants mostly used Sharia Bank for their daily activities. The utilization of the Sharia Bank based on the users’ perception. Knowledge and response were the factors to influence this perception. The research aimed to know 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City toward the use of Sharia Bank services based on knowledge and response, and 2) the main factor that influenced the civil servants to choose the Sharia Bank. This research was field research with a phenomenology approach. The data collection methods for this research were interviews and documentation. The data was collected from civil servants on the Department of Public Works and Spatial Planning Samarinda City as users of the Sharia Bank services. The research results showed that 1) the perception of civil servants on the Department of Public Works and Spatial Planning in Samarinda City based on the employee’s knowledge and response. The civil servants appraised the Sharia Bank as their first choice. The employees understood about the Sharia Bank such as its products, the bank‟s administration, its strategic place, the Sharia Bank promotion, the service qualities, Sharia Bank‟s facilities, and the fast service transaction. The response was influenced by factors such as culture, technology, social, and psychology. 2) The psychological factor that influences employees using the Sharia Bank services was a self-awareness to have freedom usury. For the civil servants, using the Sharia Bank services brought some benefits such as feel peaceful, secured, and blessed.
Co-Authors Abiyajid Bustami Achmad Fikri Ramadhan Adinda Putri Lestari Ady Maulana AF, Rinna Ramadhan Afifa Tanweer Akbar Lufi Zulfikar Aldora Fahira Chermanda Ana Sriekaningsih Andriyan Efhendi Putra Angel Angel, Priskila Anita Purnasari Badrus Syamsi Bernadetta Tjandra Wulandari, Bernadetta Tjandra Bonifasius Julio Haryanto Briliana, Vita Bustami, Abiyajid Edelwais Elsa Yolanda Sihotang Endang Dwi Sulistyowati Faris Dwi Andhika Hafitri Amelia Syam Hajrah Hanif Ilman Maulana Heni Pujiastuti Indra Maulana Indra Maulana, Indra Isna Yuningsih Isna Yuningsih Judijanto, Loso Juliana Lebang Maria Regina Sihombing Maulana, Indra Muh Shadiqul Fajri AF Muhamad Brefanzha Danielo Cahaya Yusup Muhammad Gunawan Yunus Muhammad Rafi Satria Dananjaya Muhammad Rizky Haryadi Muhammad Saleh Muhammad Siddik Munauwaroh, Siti Mursyidah Nursitta Ilmina Nopendi, Us Us Surya Noval Riza Muzaki Novena Angelica Benisa Nur Annisaa Nur Aulia Rahmah Nur Salsabila Sadjiru Nuraeni Munayya Khofifah Nurfiza Widayati Nurhikmah Nurul Hidayah Noviana Pramono, Adi Tri Pudhak Prasetiyorini Raditya Arya Kosasih Ragasukma Mahardika Rahma Tri Bungsu Anugrah Rahmah, Asmadhini Handayani Ramadhani, Muhammad Harits Zidni Khatib Riel Martin Sirait Rinna Ramadhan Ain Fitria Rinna Ramadhan Ain Fitriah Rokhimah, Rokhimah Selly Swandari Siti Sadina Audisha Rizal Soleha Mutmainnah Sri Wahyuni Sugiarto Sugiarto Sugiarto Sugiarto Sukma Bima Fatri Swadia Indra Maulana Syakilla Hasta Oktaviani Tsaura An Nisa Salsabila Wahyuni, Sri Widayati, Nurfiza Widayati, Nurfiza Widya Ayu Andini Widyatmike Gede Mulawarman Yogiyana Sriwahyuningsih Yusuf Ibrahim, Yusniar