Perilaku konsumen muslim: studi atas nasabah Nahdliyin pada Bank Syariah di Ternate

This item is published by Universitas Islam Negeri Sunan Ampel Surabaya

Syaifuddin, Syaifuddin (2018) Perilaku konsumen muslim: studi atas nasabah Nahdliyin pada Bank Syariah di Ternate. PhD thesis, UIN Sunan Ampel Surabaya.

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Official URL: http://digilib.uinsby.ac.id/id/eprint/25123

Abstract

The fast growth of islamic banking in Indonesia has not yet been followed by the increase number of consumers from traditional muslim community. The Nahdhatul Ulama (NU) as the biggest muslim organization in Indonesia has not yet utilized islamic banking as financial institution to improve the economy of its member. Understanding consumers behavior of nahdiyin is very important to increase the utilization of islamic Banking to traditional muslim. Focus of this research is to address the following three issues: how are the typical behaviors of consumers from nahdiyin in selecting islamic banking services in Ternate, how are the typical behaviors of bank customer from nahdiyin towards Islamic bank in Ternate, and how are the typical behaviors of consumers from nahdiyin after accessing islamic banking service in Ternate. The aims of this research are to identity and analyze the consumers typical behaviors before, during and after accessing islamic banking service in Ternate. This is an empirical consumers behaviors research applying qualitative approach. Using the theory of consumers behaviors the researcher describes the customer behaviors of nahdiyin towards islamic banking in Ternate basing on the data collected from observation, interview, and documentation, validated using triangulation method. The results of the research conclude three important facts: at pre consumption period customers show positive response to islamic banking and religiosity seen as important factor, during consumption period the customers combine the motive of utilitarianism and hedonism, at post consumption period customers show high level of loyalty. Conclusion of the research is resumed in a typical consumer behaviors which show religiosity as important factor strengthening the consumers behaviors in every level of pre, in progress and post consumption.