Religiosity of Muslim Customers as a Motivation to Save at Bank Syariah Indonesia

Misbahul Munir Makka, Chairul Fahmi, Jefry Tarantang — Sun, 30 Jun 2024 13:33:50 +0000

This research explores the perception and motivation of saving from customers of the Branch Office (KC) Bank Syariah Indonesia (BSI) in Manado. This study uses a qualitative approach to understand how customers view Islamic banking services and the factors motivating them to use them. The research method includes in-depth interviews with BSI customers. Interviews are used to explore customers' views on Islamic banking services, the factors influencing their savings decisions, and their experiences and expectations regarding these services. The findings show that religiosity, income, and understanding of Sharia principles are essential in the motivation to save in Islamic banks. Customers choose Islamic banks not only because of their religious aspects but also because they believe in transparency and fairness in financial services based on Islamic teachings. The implications of this research are important for Islamic banks in designing more effective marketing strategies and products that suit the needs of customers with a solid religious background.

The Impact of Impulse Buying Behavior and Hedonistic Lifestyle of IAIN Manado Students on Sharia Investment: An Islamic Economic Perspective

Mardatilla Kartika Gafur, Rosdalina Bukido, Ridwan Jamal — Thu, 04 Jul 2024 05:22:43 +0000

This study aims to analyze the impact of IAIN Manado students' impulse buying behavior and hedonistic lifestyles on Shariah investment from an Islamic economics perspective. Impulse buying behavior, characterized by spontaneous purchases without rational consideration and a hedonistic lifestyle focused on material satisfaction and pleasure, is increasingly prevalent among students. This phenomenon can affect the allocation of funds that should be invested in Shariah-compliant instruments by Islamic economic principles. This study employs a qualitative approach using case study methods and in-depth interviews with students from the Faculty of Islamic Economics and Business at IAIN Manado. The results indicate that impulsive behavior and a hedonistic lifestyle tend to reduce students' awareness and interest in Sharia-compliant investments. This is due to priorities shifting from productive long-term investments to unplanned short-term consumption. From an Islamic economics perspective, such behavior contradicts the principles of prudent and responsible financial management. The study recommends enhancing Shariah's financial literacy and promoting awareness about the importance of Shariah-compliant investments to foster sustainable well-being.

Kunuz: Journal of Islamic Banking and Finance

Religiosity of Muslim Customers as a Motivation to Save at Bank Syariah Indonesia

The Impact of Impulse Buying Behavior and Hedonistic Lifestyle of IAIN Manado Students on Sharia Investment: An Islamic Economic Perspective