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All Journal Tadbir: Journal of Islamic Economics and Management
M. Aldi Ainul Rohim
Universitas Pangeran Diponegoro Nganjuk, Indonesia
Religion Humanities Economics, Econometrics & Finance Education

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Motivations of Non-Muslim Customers Using Islamic Banking Services in Indonesia with Phenomenological Study Moh. Kusnimad Sofi Ari; M. Aldi Ainul Rohim
Jurnal Ekonomi islam and Manajemen Vol 1 No 1 (2025): TADBIR: Journal of Islamic Economics and Management
Publisher : Prodi Ekonomi Syariah Universitas Pangeran Diponegoro Nganjuk

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Abstract

This phenomenological study explores the motivations of non-Muslim customers using Islamic banking services in Indonesia. Despite Islamic banks traditionally serving Muslim communities, the growing number of non-Muslim customers reflects a significant shift in market dynamics. Through in-depth interviews and qualitative analysis, this research uncovers key factors that drive non-Muslims to engage with Islamic banks. These motivations include perceptions of ethical and transparent financial practices, trust in product quality, competitive service offerings, and favorable banking costs. Additionally, the emphasis on risk-sharing principles and avoidance of interest resonates with broader ethical financial preferences, even beyond religious affiliations. Accessibility and location convenience also influence customer choices, alongside positive reputations supported by effective promotions. Importantly, psychological factors such as satisfaction and perceived benefits reinforce continued patronage among non-Muslims. Socio-cultural acceptance, especially in Muslim minority regions, facilitates openness toward Islamic banking. This study highlights that non-Muslim customers are motivated not solely by religious considerations but also by practical, economic, and ethical reasons. The findings suggest that Islamic banks in Indonesia can expand their market by addressing diverse customer needs while maintaining Shariah-compliant services. Understanding these motivations helps stakeholders design inclusive strategies that foster wider acceptance and trust. Overall, the study contributes valuable insights into the cross-cultural appeal of Islamic banking in Indonesia’s pluralistic society and underscores the importance of customer-centric approaches for sustainable growth.
Assessing the Feasibility of Rural MSMEs in the Context of Industrial Growth in Nganjuk Regency M. Aldi Ainul Rohim
TADBIR: Journal of Islamic Economics and Management Vol. 1 No. 3 (2025): TADBIR: Journal of Islamic Economics and Management
Publisher : Prodi Ekonomi Syariah Universitas Pangeran Diponegoro Nganjuk

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Abstract

This study aims to analyze the business feasibility of rural Micro, Small, and Medium Enterprises (MSMEs) in Nganjuk Regency amidst the pressure of increasingly rapid industrial growth. The growth of the industrial sector provides economic opportunities, but also poses challenges for rural MSMEs, such as business competition, limited capital, and changes in market patterns. This study uses a qualitative method with a case study approach to several rural MSMEs in Nganjuk Regency. Data collection techniques were carried out through in-depth interviews, observation, and documentation. Data analysis was carried out descriptively and analytically by assessing aspects of business feasibility including market, technical, management, and financial aspects in a non-numerical manner. The results of the study indicate that rural MSMEs in Nganjuk Regency are generally still feasible to operate, but require strengthening marketing strategies, increasing human resource capacity, and government policy support to be able to survive and compete with large-scale industries.
Co-Authors Moh. Kusnimad Sofi Ari