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All Journal Jurnal Indonesia Sosial Sains Jurnal Global Ilmiah
Ibrahim, Zafran
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Analisis Persepsi Masyarakat Terhadap Bank Syariah (Studi Kasus di Kelurahan Air Tiris Kecamatan Kampar) Ibrahim, Zafran
Jurnal Global Ilmiah Vol. 2 No. 12 (2025): Jurnal Global Ilmiah
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/jgi.v2i12.277

Abstract

Air Tiris Village is located in Kampar District, with a predominantly Muslim population. However, most Muslims in this village still have minimal understanding of Islamic banking. Islamic banks are financial institutions that collect funds from the public and distribute them to the community through commercial operational systems and mechanisms based on Islamic law as stipulated in the Quran and Hadith. This study aims to obtain information about the views of the community in the village regarding Islamic banking. This study applies a qualitative method using a descriptive approach. Data in this study were collected through observation, interviews, and documentation. The results of this study indicate that the community in Air Tiris District is aware of the existence of Islamic banks. However, residents in this village still have minimal knowledge about the products and services offered by Islamic banks, and the lack of education about Islamic banking makes the residents more familiar with conventional banks.
Analysis of Public Perception Toward Islamic Banks (A Case Study in Air Tiris Village, Kampar District) Ibrahim, Zafran
Jurnal Indonesia Sosial Sains Vol. 6 No. 10 (2025): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v6i10.2020

Abstract

Islamic banking has experienced significant growth in Indonesia, yet public awareness and utilization remain suboptimal, particularly in rural areas. Air Tiris Village, located in Kampar District, has a predominantly Muslim population of approximately 6,873 residents. However, most Muslims in this village still have minimal understanding of Islamic banking principles, products, and services. This study aims to analyze public perception, awareness, and behavioral tendencies toward Islamic banks among residents of Air Tiris Village. A qualitative descriptive approach was employed, with data collected through observation, semi-structured interviews with ten purposively selected respondents representing various occupations, and documentation. Thematic analysis was conducted following Miles and Huberman’s framework of data reduction, data presentation, and conclusion drawing. The results indicate that while 70% of respondents are aware of the existence of Islamic banks, only 50% have utilized Islamic banking products, primarily savings and financing services. Limited knowledge about Islamic banking products, perceived operational complexity, and insufficient educational outreach contribute to a continued preference for conventional banks. Furthermore, 60% of respondents expressed uncertainty regarding the riba-free nature of Islamic banking contracts, reflecting persistent misconceptions. These findings underscore the critical need for enhanced financial literacy programs, targeted community education, and strategic marketing initiatives to improve public understanding and adoption of Islamic banking services in rural, Muslim-majority communities. Implications for policymakers, financial institutions, and religious educators are discussed.
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