RELASI ETIKA ISLAM DAN CUSTOMER RETENTION BAGI PERBANKAN SYARIAH

  • Rafiuddin Ibrahim Universitas Islam Negeri Datokarama Palu
Keywords: Customer Retention, Islamic Banking, Islamic Ethics

Abstract

This study discusses the extent to which Islamic business ethics affect customer retention in Islamic banking so that it can compete with conventional banking. The research method uses descriptive quantitative research, with 72 respondents from students, private employees, civil servants, and entrepreneurs. Data collection techniques in the form of observations, literature studies, and questionnaires The independent variable is the business ethics variable, with indicators of unity, justice, free will, responsibility, and virtue. As for customer retention with indicators of customer loyalty and the intensity of the implementation of transactions in Islamic banking, this survey uses simple regression analysis using IBM SPSS Statistics 20 software. The results of the study found that Islamic ethics have an influence on customer retention. This is evidenced by the percentage of Islamic ethics influence of 36.1% on customer retention, and the rest is influenced by other factors. The majority of the reasons customers choose Islamic banking are because of the application of Islamic business ethics in the operations of Islamic banks, especially on the divine side. Customers assume that Islamic banks are banks that offer a solution to avoid the practice of usury. Inclusion and literacy stimulation are needed so as to increase public preference for Islamic banks..

Abstrak

Penelitian ini membahas sejauh apa etika bisnis Islam berpengaruh terhadap customer retention pada perbankan syariah, sehingga dapat bersaing dengan perbankan konvensional. Metode penelitian menggunakan jenis penelitian deskriptif kuantitatif, dengan jumlah responden 72 orang yang berasal dari kalangan mahasiswa, pegawai swasta, pegawai negeri, serta wiraswasta. Teknik pengumpulan data berupa observasi, studi pustaka, dan angket. Adapun variabel independen adalah variabel etika bisnis dengan indikator kesatuan, keadilan, kehendak bebas, tanggung jawab, dan kebajikan. Adapun customer retention dengan indikator loyalitas nasabah dan intensitas pelaksanaan transaksi pada perbankan syariah. Survey ini menggunakan analisis regresi sederhana dengan menggunaan software IBM SPSS Statistics 20. Hasil penelitian ditemukan bahwa etika Islam memiliki pengaruh terhadap customer retention, hal ini dibuktikan dengan persentase pengaruh etika Islam sebesar 36,1% terhadap customer retention, dan selebihnya dipengaruhi oleh faktor lain. mayoritas alasan nasabah memilih perbankan syariah adalah karena diterapkannya etika bisnis Islam dalam operasional bank syariah utamanya pada sisi ketuhanan. Nasabah beranggapan bahwa bank syariah adalah bank yang merupakan solusi untuk menghindari praktik riba Diperlukan stimulus inklusi dan literasi sehingga meningkatkan preferensi masyarakat terhadap bank syariah

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Published
2022-09-04
How to Cite
Ibrahim, R. (2022). RELASI ETIKA ISLAM DAN CUSTOMER RETENTION BAGI PERBANKAN SYARIAH . Tadayun: Jurnal Hukum Ekonomi Syariah, 3(1), 81-100. https://doi.org/10.24239/tadayun.v3i1.74
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Articles
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