p-Index From 2021 - 2026
12.651
P-Index
This Author published in this journals
All Journal ELEMENTARY SCHOOL JOURNAL PGSD FIP UNIMED Jurnal Sosioteknologi Jurnal Al-Bayan: Media Kajian dan Pengembangan Ilmu Dakwah ANDHARUPA Naturalistic : Jurnal Kajian dan Penelitian Pendidikan dan Pembelajaran Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini Gondang: Jurnal Seni dan Budaya Jurnal PAJAR (Pendidikan dan Pengajaran) Pendas : Jurnah Ilmiah Pendidikan Dasar Indonesian Journal of Primary Education JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) JSiI (Jurnal Sistem Informasi) Visualita : Jurnal Online Desain Komunikasi Visual Jurnal Basicedu AT-TA`DIB Demandia : Jurnal Desain Komunikasi Visual, Manajemen Desain, dan Periklanan Jurnal Rupa JURNAL REFORMASI ADMINISTRASI Jurnal Ilmiah untuk Mewujudkan Masyarakat Madani COLLASE (Creative of Learning Students Elementary Education) Jurnal Ilmiah Profesi Pendidikan Gestalt : Jurnal Desain Komunikasi Visual Abdimasku : Jurnal Pengabdian Masyarakat PAKAR Pendidikan EduBasic Journal: Jurnal Pendidikan Dasar Kalatanda : Jurnal Desain Grafis dan Media Kreatif Jurnal Titik Imaji BEMAS: Jurnal Bermasyarakat Edu Cendikia: Jurnal Ilmiah Kependidikan DIVAGATRA - Jurnal Penelitian Mahasiswa Desain Prosiding Konferensi Nasional PKM-CSR The Journal of English Language Teaching, Literature, and Applied Linguistics (JELA) Journal of Innovation Research and Knowledge JEER (Journal of Elementary Educational Research) Jurnal Basicedu Journal of Innovation and Research in Primary Education Tadris: Jurnal Pendidikan Islam eProceedings of Art & Design PEDADIDAKTIKA: Jurnal Ilmiah Pendidikan Guru Sekolah Dasar IndoMath: Indonesia Mathematics Education Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Jurnal Abdimas Jurnal Arsitektur ARCADE
Claim Missing Document
Check
Articles

Persepsi Nasabah Kota Bandung terhadap Implementasi Akad dan Prinsip Bank Syariah Indonesia (BSI) Sri Andini; Intan; Dika Pratama; Aqiila Nurunnisa Arifin; Desi Mulyani; Fairuz Nasywadhiya Aji; Syarip Hidayat
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 1 (2026): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of Islamic banking in Indonesia, particularly following the merger of Bank Syariah Indonesia (BSI) in 2021, underscores the importance of evaluating customer perceptions regarding the real implementation of Islamic contracts (akad) and sharia principles. This study aims to analyze the perceptions of active BSI customers in Bandung City toward the implementation of akad and sharia principles, as well as to identify the factors influencing their satisfaction, trust, and loyalty. This study employed a qualitative descriptive method with data collected through open-ended questionnaires distributed to 5 active BSI customers in Bandung City, selected using purposive sampling technique. Primary data were analyzed narratively and supported by secondary data in the form of relevant scientific journal literature. The results indicate that religiosity is the primary motivation for customers in choosing BSI; however, a significant gap exists between this religious enthusiasm and the customers' relatively low level of Islamic contract literacy. Some customers also perceive that Islamic banking practices are not substantially different from conventional banking, triggered by insufficient technical education received. Nevertheless, service quality, ease of digital technology access, and transparency in the profit-sharing system were proven to be key supporting factors for customer satisfaction and loyalty. This study concludes that BSI needs to strengthen its education and socialization programs on Islamic akad through various accessible media to improve Islamic financial literacy and public trust.
Co-Authors Abdurrahman Hakim Adetia, Adetia Adrian Permana Zen Afiffah, Siti Harumatus Agnestasia Ramadhani Putri Ahmad Mulyadiprana Ahzam, Muhammad Akmal Aisyi Syafikarani Akhmad Nugraha Alfianda, Muhammad Isa Alghaniy Sya’id Alma Luthfiah Raudlah Azzahra Alya Hendrahmi Alya Salsabila, Salma Alya Salsabila, Shafira Amalia Rahmatika anwar, naufal Apriliya, Seni Aqiila Nurunnisa Arifin Arimbawa, I Gede Arum Wulandari Asep Kadarisman Asep Nuryadin Asep Yudi Permana Asphar, Fahmi Qodrul Astri Dinda Sripuspita Aulia Ramadhania aulia, rizky putri Aziz, Asep Saepul Azizah, Iftia Azzam Hafidzulhaq, Muhammad Babu M, Shameer Bambang Melga Suprayogi Bijaksana Prabawa Cucu Retno Yuningsih Dede Iskandar, Dede Desi Mulyani Dewi Jullyaningsih Sarasmukti, Dewi Jullyaningsih Dewi, Vivi Fitria Dian Indihadi Dika Pratama Dimas Krisna Aditya DWI ALIA, DWI Dzaaki, Muhammad Ilyas Adz Effendi, Muhammad Farhan Hanif Elan Elan, Elan Elsa Eka Ayuningtyas Elsa Nur Hidayat Fadilah, Hinda Aulia Fadillah Ahmad Dhany Fairuz Nasywadhiya Aji Farah Salsabila, Farah Fatiha, Qinthara Mumtaz Faturrachman, Miftah Fitri Yanni Ganjar Gumilar Ghullam Hamdu Hamidayati Hamidayati Handayani, Wini Hanif, Rohma Lia Haniya, Naila Hendrahmi, Alya Heroza, Maisie Heru Wibowo I Gede Mugi Raharja I Nyoman Larry Julianto Idhar Resmadi Iman Sumargono intan Intan Ayu Kusuma Ira Wirasari Iryana, Rina Jaelani, Rusani Jasmin Alfitri Putri Satria Julya Fauziah Karlimah Karlimah Karto Wijaya, Karto Khairunisa Baby Setiawan Kumala, Wulan Diah Laila Puspitasari, Sarah Lubis, Nurhamidah Lutfi Nur Madasseri, Sameer Babu Maha Fadillah Rachman maharani, sarah putri Maulana Muhamad, Agus Ma’arif, Robi Syamsul Meurcury, Aprianti Moch. Khalif Haiqal Mochamad Rosidin Muhammad Firaz Amaris Hidayat Muhammad Rahe, Abdurrahman Muhammad Rayhan Muhammad Rijal Wahid Muharram Mukhlisin, Ois Mukhtar, Ridwan Faizan Nanda, Levina Mai Nashwa Ramadhani Nasyaikha Maura Naufal Halim Nazwirman Nazwirman, Nazwirman Nida Atqiya, Hanun Nisa Eka Nastiti Novel Bajri, Dalilah Salma Novian Denny Ngraha Novian Denny Nugraha Nugraha, Mia Uswa NURAENI, RANI Nurfauzan, Alditia Nurul Fitriana Bahri Olivine Alifaprilina Supriadi Pavel Safnat Mandak Pidi Mohamad Setiadi Prahara, Gema Ari Pranana, Ahmad Mulyadi Prawira, Nezatama Akbar putri, Vina Preissilia Suryana qolbun, elwi zakia Radhitya, Naufal Ali Rahadian, A.H. Raharjo, Alya Putri Ramadhan, Zidane Luigi Ranti Rachmawanti Respati, Resa Ridwan Faizan Mukhtar Riksa Belasunda Rizqi, Anggi Maulana Saepudin Saepudin Salim, Chintya Monica Salsabiila, Banafsaj Santi Salayanti Sari, Desri Puja Shahira, Rafa Shelarani Sembiring Sima Mulyadi, Sima Siti Desintha Siti Maryam Siti Uswatun Hasanah Solihat, Ai SR Danial, Daniaty Sri Andini Sri Nurbani Suciati Nur Sulistijono Sulistijono Sumartini, Tingtin Susi Susanti Sutisna, Aang Taufiq Wahab Tia Salsabila Tiawan, Alifa Rohali Titing Sulastri Tsabita Rajwa Ramadina Usulu, Reyhan Qatrunada Vany Octaviany Vera Dewi, Agustin Vrij, Lanina Astrid Chrysant Wiguna, I Gusti Ngurah Made Aditya Priyatna Praktyaksa Wirda Nur Aulia Yanti Jennifer Yelly A. Barlian Yudi Anugerah, Reyhan Yusuf Suryana Zahra, Cattelya Sofisti Az Zakiyah, Zenzen Zulfikar, Mohammad Ayman