Persepsi Inovasi Produk Pembiayaan Syariah dan Minat Mengakses Bank Syariah: Studi Survei Pendahuluan di Desa Meureubo, Aceh Barat
DOI:
https://doi.org/10.29408/jpek.v9i3.33803Keywords:
Aceh Islamic financing, product innovation, contract literacy, outreach, intention, pilot survey.Abstract
This pilot survey examines perceptions of Islamic financing product innovation and intention to access Islamic banking among residents of Meureubo Village, West Aceh, Indonesia. A cross-sectional descriptive-exploratory design was used. A five-point Likert questionnaire was administered to 20 respondents (10-24 June 2025) who were users or prospective users of Islamic financing. Constructs covered perceived process ease, variety of contracts/schemes, need-fit, value-fit, self-reported contract understanding, socialization/information exposure, and intention. Results indicate positive perceptions: all respondents agreed that the products are easy to understand and fit needs and Islamic values. Intention was high; 90% reported that innovation increases their interest in using Islamic banking. However, 70% identified limited outreach/socialization as a barrier, and 30% were neutral about simpler application procedures. The findings suggest that product innovation should be accompanied by communication innovation—contract literacy, community-based outreach, and simulations—to translate interest into actual access. As a pilot, results map priority indicators for larger studies.
References
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Al Umar, A. U. A., & Setyono, J. (2023). Hijrah intention and customer decisions to use Islamic banks: Development of TPB. Iqtishoduna, 12(1). https://doi.org/10.54471/iqtishoduna.v12i1.2243.
Albaity, M., & Rahman, M. (2019). The intention to use Islamic banking: An exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets, 14(5), 988–1012. https://doi.org/10.1108/IJOEM-05-2018-0218.
Apriyanti, H. W. (2018). Model inovasi produk perbankan syariah di Indonesia. Economica: Jurnal Ekonomi Islam, 9(1), 83–104. https://doi.org/10.21580/economica.2018.9.1.2053
Aziz, S., & Afaq, Z. (2018). Adoption of Islamic banking in Pakistan: an empirical investigation. Cogent Business & Management, 5, 1548050. https://doi.org/10.1080/23311975.2018.1548050
Bosnjak, M., Ajzen, I., & Schmidt, P. (2020). The Theory of Planned Behavior: Selected Recent Advances and Applications. Europe’s Journal of Psychology, 16(3), 352–356. https://doi.org/10.5964/ejop.v16i3.3107
Buchanan, E. A., & Hvizdak, E. E. (2009). Online survey tools: Ethical and methodological concerns of human research ethics committees. Journal of Empirical Research on Human Research Ethics, 4(2), 37–48. https://doi.org/10.1525/jer.2009.4.2.37
Carifio, J., & Perla, R. (2008). Resolving the 50-year debate around using and misusing Likert scales. Medical Education, 42(12), 1150–1152. https://doi.org/10.1111/j.1365-2923.2008.03172.x
Cronbach, L. J. (1951). Coefficient alpha and the internal structure of tests. Psychometrika, 16, 297–334. https://doi.org/10.1007/BF02310555
Echchabi, A., & Azouzi, D. (2015). The determinants affecting the preference of Islamic banking services in Tunisia: A qualitative analysis. Tazkia Islamic Finance and Business Review, 9(1). https://doi.org/10.30993/tifbr.v9i1.76
Hafidz, A. M. M. (2015). Keterlekatan sosial inovasi produk bank syariah di Indonesia. Jurnal Hukum Islam, 13(2), 70–78. https://doi.org/10.28918/jhi.v13i2.486
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203.
Hauke, J., & Kossowski, T. (2011). Comparison of values of Pearson’s and Spearman’s correlation coefficients on the same sets of data. Quaestiones Geographicae, 30(2), 87–93. https://doi.org/10.2478/v10117-011-0021-1
Imam, P., & Kpodar, K. (2016). Islamic banking: Good for growth? Economic Modelling, 59, 387–401. https://doi.org/10.1016/j.econmod.2016.08.004
Khan, L., & Arif, I. (2022). Islamic financial literacy and intention to use Islamic banking: A role of financial considerations. Journal of Finance & Economics Research, 7(1), 47–59. https://doi.org/10.20547/jfer2207104
Kistin, C., & Silverstein, M. (2015). Pilot studies: A critical but potentially misused component of interventional research. JAMA, 314(15), 1561–1562. https://doi.org/10.1001/jama.2015.10962
Latip, M., Yahya, M. H., & Junaina, M. (2017). Factors influencing customer’s acceptance of Islamic banking products and services. IKONOMIKA, 2(1). https://doi.org/10.24042/febi.v2i1.681
Lubna Khan, Imtiaz Arif, Islamic Financial Literacy and Intention to Use Islamic Banking: A Role of Financial Considerations, Journal of Finance & Economics Research - Volume 7, Issue 1 2022, https://journals.iqra.edu.pk/archives/view/jfer/7/JFER2207104.
Nachar, N. (2008). The Mann–Whitney U: A test for assessing whether two independent samples come from the same distribution. Tutorials in Quantitative Methods for Psychology, 4(1), 13–20. https://doi.org/10.20982/tqmp.04.1.p013
Norman, G. (2010). Likert scales, levels of measurement and the “laws” of statistics. Advances in Health Sciences Education, 15(5), 625–632. https://doi.org/10.1007/s10459-010-9222-y
Purwanto, P., Abdullah, I., Ghofur, A., Abdullah, S., & Elizabeth, M. Z. (2022). Adoption of Islamic microfinance in Indonesia: An empirical investigation: An extension of the theory of planned behaviour. Cogent Business & Management, 9(1), 2087466. https://doi.org/10.1080/23311975.2022.2087466
Setia, M. S. (2016). Methodology series module 3: Cross-sectional studies. Indian Journal of Dermatology, 61(3), 261–264. https://doi.org/10.4103/0019-5154.182410.
Souiden, N., & Rani, M. (2015). Consumer attitudes and purchase intention towards Islamic bank: The influence of religiosity. International Journal of Bank Marketing, 33(2), 143–161. https://doi.org/10.1108/IJBM-10-2013-0115
Stratton, S. J. (2021). Population research: Convenience sampling strategies. Prehospital and Disaster Medicine, 36(4), 373–374. https://doi.org/10.1017/S1049023X21000649
Sudarsono, H., Kholid, M. N., Trisanty, A., & Maisaroh. (2022). The intention of Muslim customers to adopt mobile banking. Cogent Business & Management, 9(1), 2154102. https://doi.org/10.1080/23311975.2022.2154102
Sulistiyo, A. B., Wardayati, S. M., Hidayatullah, A., & Riesky, S. S. N. (2020). Effect of Islamic corporate governance on customer trust: Empirical study on Islamic bank. Asian Journal of Islamic Management, 2(1), 12–24. https://doi.org/10.20885/ajim.vol2.iss1.art2
Sullivan, G. M., & Artino, A. R. (2013). Analyzing and interpreting data from Likert-type scales. Journal of Graduate Medical Education, 5(4), 541–542. https://doi.org/10.4300/JGME-5-4-18
Thabane, L., Ma, J., Chu, R., Cheng, J., Ismaila, A., Rios, L. P., Robson, R., Thabane, M., Giangregorio, L., & Goldsmith, C. H. (2010). A tutorial on pilot studies: The what, why and how. BMC Medical Research Methodology, 10, 1. https://doi.org/10.1186/1471-2288-10-1.
Yusoff, S. S. B. M., & Oseni, U. A. (2025). Customers’ legal awareness and legal understanding on the contract of adhesion for Islamic home financing in Malaysia. Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/JIABR-02-2025-0072
Zulfaka, A., & Kassim, S. (2025). A behavioral analysis behind the intention to adopt Islamic financial products and services in Malaysia: Underpinning Social Cognitive Theory. International Journal of Islamic Finance, 3(1), 42–62. https://doi.org/10.14421/ijif.v3i1.2335
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Nurul Fajriatul Muqhni A, Muliza Muliza, Mikhral Rinaldi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
semua jurnal ini menjadi tanggung jawab penuh penulis, JPEK memberikan akses terbuka kepada siapapun agar informasi dan temuan pada artikel bermanfaat bagi semua orang, JPEK dapat diakses dan diunduh oleh siapapun tanpa dipungut biaya sesuai dengan lisensi creative common yang digunakan.
