Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah

Dea Tri Pangestuti ; Abdillah ; Dhafin Salman ; Muzagi ; Intan Nuraini ; Zulkarnain ; Muhammad Iskandar ; Chairani ; Rachma Tatsmita ; Cahyani ; Ririn Dwi ; Sulasih ; Sulasih
Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 📅 2025 Vol 5, No 1 🔗 DOI: 10.58192/ebismen.v5i1.3902
Abstract
This study aims to analyze traders’ perceptions and behaviors toward the implementation of sharia principles in Islamic banking products and services. A descriptive qualitative approach was employed, involving traders at Parung Market selected through purposive sampling. Data were obtained through in depth interviews, observations, and documentation, then analyzed using thematic analysis through coding, categorization, and pattern identification. The findings reveal that most traders hold positive perceptions of core Islamic banking values such as fairness, transparency, and the prohibition of usury. However, their understanding of sharia contracts varies and is not fully comprehensive. Despite these positive perceptions, actual behavior does not always align, as traders often prefer conventional banks for business transactions requiring speed, efficiency, and more reliable digital services. This indicates a clear gap between religious intentions and economic practices, commonly referred to as the intention behavior gap. The study concludes that improving Islamic financial literacy, strengthening digital service innovation, and enhancing service quality are essential to promoting wider adoption of Islamic banking products.
Keywords
perception; customer behavior; sharia principles; Islamic banking; market traders
How to Cite

Dea Tri Pangestuti, et al. (2025). Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah. Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN), 5(1). https://doi.org/10.58192/ebismen.v5i1.3902

Dea Tri Pangestuti; Abdillah, Dhafin Salman; Muzagi, Intan Nuraini; Zulkarnain, Muhammad Iskandar; Chairani, Rachma Tatsmita; Cahyani, Ririn Dwi; Sulasih, Sulasih, "Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah," Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN), vol. 5, no. 1, 2025.

Dea Tri Pangestuti; Abdillah, Dhafin Salman; Muzagi, Intan Nuraini; Zulkarnain, Muhammad Iskandar; Chairani, Rachma Tatsmita; Cahyani, Ririn Dwi; Sulasih, Sulasih. "Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah." Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN), vol. 5, no. 1, 2025.

Dea Tri Pangestuti; Abdillah, Dhafin Salman; Muzagi, Intan Nuraini; Zulkarnain, Muhammad Iskandar; Chairani, Rachma Tatsmita; Cahyani, Ririn Dwi; Sulasih, Sulasih. "Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah." Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 5, no. 1 (2025).

Dea Tri Pangestuti, et al. (2025) 'Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah', Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN), 5(1). doi: 10.58192/ebismen.v5i1.3902.

Dea Tri Pangestuti; Abdillah, Dhafin Salman; Muzagi, Intan Nuraini; Zulkarnain, Muhammad Iskandar; Chairani, Rachma Tatsmita; Cahyani, Ririn Dwi; Sulasih, Sulasih. Persepsi dan Perilaku Nasabah Terhadap Prinsip Syariah Dalam Produk dan Layanan Bank Syariah. Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN). 2025;5(1).

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