BANK SYARIAH DALAM PERSPEKTIF NASABAH MUSLIM

Abstract

Islamic banks that emerge with the concept of interest-free 
banking is less well-received by the public. The development of 
Islamic banking in Indonesia is accompanied by the emergence of 
groups who lack confidence in the ability and credibility of Islamic 
banking. Negative views on Islamic banks can lead to the emergence of 
social prejudice against Islamic banks. This study uses the post-positivist paradigm with exploratory research design. The sample to be used in this study amounted to 10 of the Muslim customers of 
conventional banks in the city of Yogyakarta. The data collection 
techniques used are interviews. The analysis technique uses 
qualitative descriptive analysis. The results of the study concluded 
that in terms of stereotypes the respondents did not know clearly 
related to Islamic banking, respondents considered Islamic banks 
currently running not in accordance with the existing concepts; some 
even argued that the application of Islamic banks was the same as 
conventional banks. Based on the aspects of beliefs and judgments, 
respondents were only able to mention the impact of the existence of 
Islamic banks in terms of religiosity. Still, they could not mention real 
impacts on the community. Based on emotional aspects, respondents 
felt positive emotions related to Islamic banks. They considered Islamic 
banks to be better than conventional banks, but respondents tended to 
prefer to use conventional banking services. Based on the favorability 
and liking aspects, respondents considered Islamic banks to be better 
than conventional banks, and respondents felt interested in knowing.
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