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Attitude and Behaviour Intention of Muslim Z Generation to Save in Islamic Banks: The Role of Knowledge and Religiosity Purwanto, Purwanto; Dasuki, Ali Ibrahim; Ghofur, Abdul; Abdullah, Shodiq
Economica: Jurnal Ekonomi Islam Vol. 13 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2022.13.2.11519

Abstract

This study aims to investigate the impact of knowledge and religiosity on attitudes toward Islamic banks and the saving intentions of Generation Z Muslims. Data were collected using a convenience sampling method from students at Islamic higher education institutions in Central Java, Indonesia. A total of 210 respondents aged 17-27 participated in the study. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings reveal that both knowledge and religiosity significantly shape attitudes toward Islamic banks among Generation Z Muslims. Knowledge emerged as the most influential factor shaping attitudes. Attitudes, in turn, significantly influence the saving intentions of Generation Z Muslims at Islamic banks. This study further demonstrates that attitudes are the strongest determinant of the saving intentions of Generation Z Muslims at Islamic banks. Practically, this research provides valuable insights for Islamic bank marketers in formulating strategies to attract Generation Z Muslims to save in Islamic banks. Theoretically, this study affirms the importance of integrating cognitive, affective, and spiritual dimensions in consumer behavior analysis to better understand and predict behavior.
Assessing the Impact of Qonun Aceh No. 11 of 2018 Concerning Sharia Financial Institutions: Dynamics of Sharia Banking Financial Performance in Aceh Province Purwanto, Purwanto; Dasuki, Ali Ibrahim; Rokhmadi, Rokhmadi; Sam’ani, Sam’ani
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 10 No. 1 (2025): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v10i1.11037

Abstract

Qanun Aceh No. 11 of 2018 mandates that all financial institutions transition to Sharia financial systems. The enactment of this Qanun has led to shifts in market dynamics and increased public trust in Sharia financial institutions. Consequently, this study aims to examine the impact of Qanun Aceh No. 11 of 2018 on the financial performance of Sharia banking in Aceh Province. The research employs a quantitative approach, utilizing secondary data published by the Financial Services Authority. The data pertains to key financial performance indicators of Sharia banking, including assets, financing, and third-party funds, both before and after the implementation of Qanun Aceh No. 11 of 2018. The data is analysed using paired sample t-tests. This research shows that the enactment of Qanun Aceh no. 11 of 2018 is the expected consequence of the existence of a Sharia banking monopoly in the region. This research shows that the enactment of Qanun Aceh no. 11 of 2018 is the expected consequence of the existence of a Sharia banking monopoly in the region. This policy forces all customers, whether individuals, businesses, corporations, or local government funds, to move their accounts from conventional banks to Sharia banks. Thus, the increase in Sharia banking assets and funds is more the result of the relocation of funds previously in conventional banks, not solely due to an increase in public preference for the Sharia financial systems. This finding highlights that the Qanun has enhanced public participation and trust in Sharia banking. The study provides crucial insights into the role of regulations in fostering the development of Sharia banking.