Factors Affecting Customer’s Adoption Sharia Banking : Case In South Sulawesi Province, Indonesia
Journal Title: International Journal of Management Sciences - Year 2013, Vol 1, Issue 11
Abstract
This study uses quatitative reasearch methode trough survey designs that aim to examine the factors that affecting motivation of the non-customers willing to adopt and motivation of the customers willing to continue adopting sharia banking. Sample and respondent were 100 customers of Sharia Banking, 300 customers of conventional banking 160 customer of both sharia and conventional banking, and 160 noncustomers sharia banking selected systematically sampling from eight districts and two cities in South Sulawesi Provence, Indonesia. The hypotheses are tested with binary logistic regression analysis. The results of this study showed that the factors or variables of education, sex, income, ccessibility, community leader positition, acceptance of conventional banking considerations-services, considerations popularity, considerations-sharia religion law, opinion sharia banking as sharia religious law, and sharia banking-type services of fund raising have significanly effect on motivation of the non customers willing to adopt sharia banking. On the otherhand, the variables of main Job, scale enterprises, considerations of cash vending machine facilities, opinion-sharia banking easily services, sharia banking-type services fund raising, attitude-sharing system, and sharing system applicable have significantly effect on motivation of the customers willing to continue adopting sharia banking. This study provides new evidence on consumer banking behaviour and adoption inovation theories. For practically, this research as important information in developing sharia banking.
Authors and Affiliations
Ir. Palmarudi Mappigau, Haris Maupa
Keywords
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