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Falah : Jurnal Ekonomi Syariah
Published by Universitas Muhammadiyah Malang
ISSN : 25023918     EISSN : 25027824     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
FALAH: Jurnal Ekonomi Syariah is managed by Department of Islamic Economic, Faculty of Islamic Studies, University of Muhammadiyah Malang (p-ISSN 2502-3918, e-ISSN 2502-7824) This journal published two times a year (Pebruary and August) since 2016. The journal presents the results of research in the field of Islamic Economic, Islamic Banking, Islamic Management and so on.
Arjuna Subject : -
Articles 221 Documents
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Rational and Relational: Examining the Effects of Perceived Benefit and Empathy on Saving Intention in Islamic Microfinance Institutions Fauzul Hanif Noor Athief; Afief El Ashfahany; Bayu Arie Fianto; Friska Dwi Damayanti; Elif Pardiansyah
Falah: Jurnal Ekonomi Syariah Vol. 11 No. 2 (2026): AUGUST
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v11i2.44258

Abstract

Islamic Microfinance Institutions face challenges in attracting people’s intention to use their product as commercial banks offer more advanced services and infrastructure that are easily accessible. Nevertheless, the sustainability and growth of Islamic Microfinance Institutions indicate the presence of distinctive characteristics that are not easily replicated by formal banking institutions. This study elaborates two key characteristics that are difficult for conventional banks to imitate which are product contextualization that delivers benefits aligned with the needs of micro communities, referred to as perceived benefit, and the emotional relationship between customers and institutional staff, referred to as empathy. This research examines the determinants of saving intention among 432 respondents from informal workers and low-income groups, who represent the core market of Islamic Microfinance Institutions in Indonesia. Using a quantitative approach and Structural Equation Modeling with PLS, the study tests the relationships among trust, knowledge, religious motivation, attitude, perceived benefit, empathy, and saving intention. The results show that trust, knowledge, and religious motivation significantly influence attitude, with trust as the strongest predictor. Attitude has the largest effect on saving intention. Perceived benefit and empathy also have significant direct effects on intention, although they do not moderate the attitude intention relationship. The findings highlight that practical service value and emotional connection, alongside institutional credibility, are crucial in strengthening saving intention within Islamic microfinance.

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