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All Journal Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Haslindah
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Other

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Analysis of the Factors Influencing Public Decision to Use Conventional Banks from the Perspective of Islamic Banking Marlina; Haslindah; Hartas Hasbi
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2491

Abstract

This study aims to conduct an in-depth analysis of the factors influencing the community’s decision to use conventional banks from the perspective of Islamic banking in Kawerang Village, Cina District, Bone Regency. The main issues addressed in this research are: what factors influence the decision of the people in Cina District, to continue using conventional banks instead of Islamic banks, and what obstacles they face in using conventional banks. This research is categorized as field research employing a qualitative approach, where field data is used to verify theories that emerge during the research process and are continuously refined as the study progresses. Data collection techniques include in-depth interviews, observation, and documentation. The research informants consist of residents of Kawerang Village who continue to use conventional banks rather than Islamic banks. Findings of this study reveal that the residents of Kawerang Village prefer conventional banks over Islamic banks primarily due to their greater familiarity with conventional banking institutions and the easier access to their services. As a result, conventional banks remain the preferred choice for banking transactions in the area
EXPLORING NAZAHAH’S MEDIATION IN REINFORCING CONSUMER TRUST AMONG MICRO SCALE NASI KUNING ENTERPRISES Sri Wahyuni; Syaparuddin Razak; Haslindah
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v8i1.4794

Abstract

This study investigates the mediating role of nazāhah conceptualized as integrity, honesty, and purity of intention in strengthening consumer trust among micro-scale nasi kuning enterprises in Bone Regency, Indonesia. Grounded in Islamic Business Ethics Theory and Consumer Trust Theory, the research examines how ethical selling behavior, compliance with Islamic values, and business social responsibility influence consumer trust through the internalization of nazāhah. Using a quantitative explanatory design, data were collected from 150 respondents and analyzed using PLS-SEM. The results demonstrate that nazāhah has a strong and significant direct effect on consumer trust, while also fully mediating the relationships between social responsibility and trust, as well as indirectly linking ethical and religious values to trust formation. These findings indicate that ethical awareness and Sharia compliance alone are insufficient to generate trust unless they are transformed into consistent moral conduct through nazāhah. The study contributes to the literature by empirically positioning nazāhah as a strategic ethical mechanism that bridges spiritual values and market behavior. Practically, the findings highlight the importance of integrity-based education and socially responsible practices in fostering sustainable trust within Islamic micro-enterprises.
Co-Authors Hartas Hasbi Marlina Sri Wahyuni Syaparuddin Razak