Factors That Influence Muslim Customers in Choosing Products of Islamic Bank

Fidya, Kasih Maulidya (2020) Factors That Influence Muslim Customers in Choosing Products of Islamic Bank. Diploma thesis, Universitas Andalas.

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Abstract

Indonesian with a Muslim majority population as many as 87.2% of the total population of 266.9 million Indonesian citizens, but only 10.5% of total accounts in Indonesia choose to become customers of Islamic banks with Islamic products offered. Customers' decision in choosing products offered by banks is influenced by many factors. This study aims to obtain empirical evidence of the influence of product knowledge, product information dissemination, profit margins, and service quality on Muslim Customers in choosing products offered by Islamic banks. Questionnaires were distributed to collect data from Muslim communities in West Sumatra who were customers of Islamic or conventional banking. Multiple linear regression analysis was used to test the hypothesis with the SPSS 24 program. The results showed that product knowledge, product information dissemination, and profit margin factors had a significant effect on product selection offered by Islamic banks. While the service quality factor does not significantly influence the product selection offered by Islamic banks. Keywords: Product Knowledge, Product Information Dissemination, Profit

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