Persepsi Masyarakat Terhadap Produk Pembiayaan Bank Syariah: Studi Kasus pada Masyarakat Kelurahan Jawa Kecamatan Samarinda Ulu

Putry Aurellia Az-zahra Hermawan (Universitas Mulawarman)
Rinna Ramadhan Ain Fitriah (Universitas Mulawarman)

OBOR: Oikonomia Borneo
Vol. 8 No. 2 (2026): Oktober

This study aims to analyzes public perception in Jawa Village, Samarinda Ulu District, toward Islamic banking financing products using Walgito's cognitive, affective, and conative dimensions and the perspective of Islamic Consumption Behavior. A descriptive qualitative approach was applied to 10 informants selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, then analyzed using data condensation, data display, and conclusion drawing/verification. Data validity was supported by source triangulation, technique triangulation, and member checking. The findings show that the public generally recognizes the prohibition of riba, but understanding of murabahah, mudharabah, and musyarakah mechanisms remains limited. Positive affective perceptions are associated with Sharia compliance, trust, and service quality, while interest in using Islamic financing is constrained by administrative and practical barriers. From an Islamic consumption perspective, these perceptions reflect the interaction between functional considerations and Sharia values. The study contributes an integrated explanation of how knowledge, attitudes, and behavioral tendencies shape perceptions of Islamic financing products.