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All Journal Governors JIEFIS: Journal of Islamic Economics and Finance Studies
Helmalia Helmalia
Universitas Islam Negeri Imam Bonjol Padang, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Patterns of Switching Behaviour of Ethnic Chinese Customers in Choosing Sharia Banking in Padang City Hafnil Saputra; Helmalia Helmalia; Afrikal Candra; Lili Suarni; Nurlaila Nurlaila
Journal of Islamic Economics and Finance Studies Vol. 1 No. 1 (2025): June
Publisher : Journal of Islamic Economics and Finance Studies

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Abstract

Understanding customer switching behaviour patterns from conventional to Islamic banks forms the basis for analysing various motives or reasons. Essentially, the switching principle, whether in terms of savings, transactions, or investments, contributes to the emergence of the code of using Islamic banks as either a choice or in totality. This research is a phenomenological study with a descriptive qualitative analysis, which provides information on the direct pattern of customer switching behaviour. The study focuses on minority groups in the city of Padang, namely the Muslim and non-Muslim Chinese ethnic groups, who are predominantly entrepreneurs. The study results indicate that the switching behaviour of Chinese ethnic customers in Padang, who choose Islamic banks, is driven by various motives. Religious motives influence Muslim Chinese ethnicity due to fears about transactions prohibited by Islamic law, such as those containing ribawi elements. Other explanations include the need for Islamic banks, development and concern for Islamic banks, and commercial reasons like using cash flow transactions or inflows and outflows through interbank transfers using Islamic bank services, salary receipts, security, and service comfort. The final motive is the perception that Islamic bank products are more attractive and diverse. Non-Muslim Chinese ethnicity is influenced by security, especially from certain burdens, particularly on Wadi’ah Amanah savings products, which allow saving without incurring fees.
Islamic Financial Literacy, Trust, and Customer Decisions Gilang Juanda; Helmalia Helmalia; Romi Iskandar
GOVERNORS Vol. 5 No. 2 (2026): August-November 2026 Issue
Publisher : Yayasan Cita Cendekiawan Al Khwarizmi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/governors.v5i2.9521

Abstract

This study examines the effect of Islamic financial literacy and the level of trust on customers' decisions to choose Islamic banks in Padang City. Using a quantitative field-research approach, primary data were collected through structured questionnaires from 100 respondents selected by purposive sampling, a non-probability technique adopted because no sampling frame of individual Islamic bank customers in Padang City is available; the Slovin formula (10% margin of error) was used solely as a benchmark for establishing the minimum adequate sample size and not as a respondent-selection procedure. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that Islamic financial literacy has a positive and significant effect on customers' decisions, and the level of trust also has a positive and significant effect. Jointly, the two variables account for 67.2% of the variance in customers' decisions, which falls within the moderate category; the joint effect is inferred from the significance of both individual path coefficients, while R-Square is reported as a measure of explanatory power rather than as a significance test. These findings imply that strengthening Islamic financial literacy education and reinforcing customer trust are key strategies for Islamic banks to increase customer decisions in markets with high Muslim population share but comparatively slow market-share growth, such as Padang City.
Co-Authors Afrikal Candra Gilang Juanda Hafnil Saputra Lili Suarni Nurlaila Nurlaila Romi Iskandar