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All Journal JURNAL ECONOMIA ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING AJAD : Jurnal Pengabdian kepada Masyarakat JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Electronic Journal of Education, Social Economics and Technology
Saputra, Al Mahfud
Universitas Almuslim, Bireuen, Aceh, 24261
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Journal : JURNAL ECONOMIA

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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 Anwar Puteh Ariga, Hijrah Purnama Sari Azka Rizkina Emi Safrina Fakhrurrazi Hakim Muttaqim M Rasyidin MUHAMMAD RIZAL MUKHDASIR Mukhdasir Mukhdasir Nizam, Ahmad Nurhayati Nurhayati Nurhayati Rizkina, Azka Saleh, M Sri Murniyanti Sri Wahyuni Syarifah Maihani Yusrawati Yusrawati Zulfikar