The Influence of Demographic Factors and Social Class on Customers' Decisions to Choose Islamic Banks
Article Sidebar
Main Article Content
Abstract
This study discusses the influence of demographic and social class factors on customers' decisions to choose Islamic banks in Palopo City. On the customer's decision to choose an Islamic bank in the city of Palopo and prove the influence of these factors simultaneously. To provide answers to the problems stated above, the authors use a quantitative research approach with the variables used in this study are the independent variables, namely education, income, employment, dependents, and age as well as the dependent variable in the form of a customer's decision to choose an Islamic bank. This study took 100 respondents using the Non-Probability Sampling method as the sample. Data collection in this study used a questionnaire with regression analysis techniques through the F-test and t-test using the Software Statistical Product and Service Solutions (SPSS) 19.0. The results of the study show that education, income, employment, and age have a significant effect on the customer's decision to choose an Islamic bank in Palopo City. This is evidenced by obtaining a significance value of 0.000 or less than 5% (0.05). The results of the partial statistical test also show that the variables of education, income and employment have a significant positive effect, while the age variable has a significant negative effect on the customer's decision to choose an Islamic bank in Palopo City. Based on the beta regression coefficient, the highest coefficient value is the income variable of 7,060 with a significance level of 0.000. These findings indicate that income is the variable that has the most influence on the customer's decision to choose Islamic Banking among the other four variables. Based on the results of the simultaneous test it was concluded that the independent variables simultaneously represented by the variables of education, income, employment, dependents, and age have a significant effect on the dependent variable on customer decisions.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Aksoy, H., & Abdulfatai, O. Y. (2019). Exploring the impact of religiousness and cultureon luxury fashion goodspurchasing intention. Journal of Islamic Marketing, 10(3), 768–789. https://doi.org/10.1108/JIMA-01-2018-0022
Ayob, A. H., & Saiyed, A. A. (2020). Islam, institutions and entrepreneurship: evidence from Muslim populations across nations. International Journal of Islamic and Middle Eastern Finance and Management, 13(4), 635–653. https://doi.org/10.1108/IMEFM-11-2019-0472
Baizan, P. (2021). Welfare regime patterns in the social class-fertility relationship: Second births in Austria, France, Norway, and the United Kingdom. Research in Social Stratification and Mobility, 73, 100611. https://doi.org/https://doi.org/10.1016/j.rssm.2021.100611
Behera, R. K., Gunasekaran, A., Gupta, S., Kamboj, S., & Bala, P. K. (2020). Personalized digital marketing recommender engine. Journal of Retailing and Consumer Services, 53, 101799. https://doi.org/https://doi.org/10.1016/j.jretconser.2019.03.026
Bilgin, M. H., Danisman, G. O., Demir, E., & Tarazi, A. (2021). Economic uncertainty and bank stability: Conventional vs. Islamic banking. Journal of Financial Stability, 56, 100911. https://doi.org/https://doi.org/10.1016/j.jfs.2021.100911
El-Jardali, F., Alameddine, M., Dumit, N., Dimassi, H., Jamal, D., & Maalouf, S. (2011). Nurses’ work environment and intent to leave in Lebanese hospitals: Implications for policy and practice. International Journal of Nursing Studies, 48(2), 204–214. https://doi.org/https://doi.org/10.1016/j.ijnurstu.2010.07.009
Islam, S., Muhamad, N., & Leong, V. S. (2021). Healthcare quality for Muslims: TCCM and TSR frameworks analyses. Journal of Islamic Marketing, ahead-of-p(ahead-of-print). https://doi.org/10.1108/JIMA-11-2020-0352
Kowalczuk, P., Siepmann (née Scheiben), C., & Adler, J. (2021). Cognitive, affective, and behavioral consumer responses to augmented reality in e-commerce: A comparative study. Journal of Business Research, 124, 357–373. https://doi.org/https://doi.org/10.1016/j.jbusres.2020.10.050
Luu, T. T. (2020). Linking authentic leadership to salespeople’s service performance: The roles of job crafting and human resource flexibility. Industrial Marketing Management, 84, 89–104. https://doi.org/https://doi.org/10.1016/j.indmarman.2019.06.002
Meilianti, S., Matuluko, A., Ibrahim, N., Uzman, N., & Bates, I. (2022). A global study on job and career satisfaction of early-career pharmacists and pharmaceutical scientists. Exploratory Research in Clinical and Social Pharmacy, 5, 100110. https://doi.org/https://doi.org/10.1016/j.rcsop.2022.100110
Nilashi, M., Ahmadi, H., Arji, G., Alsalem, K. O., Samad, S., Ghabban, F., Alzahrani, A. O., Ahani, A., & Alarood, A. A. (2021). Big social data and customer decision making in vegetarian restaurants: A combined machine learning method. Journal of Retailing and Consumer Services, 62, 102630. https://doi.org/https://doi.org/10.1016/j.jretconser.2021.102630
Pooya, A., Abed Khorasani, M., & Gholamian Ghouzhdi, S. (2020). Investigating the effect of perceived quality of self-service banking on customer satisfaction. International Journal of Islamic and Middle Eastern Finance and Management, 13(2), 263–280. https://doi.org/10.1108/IMEFM-12-2018-0440
Sahusilawane, W. (2015). The Impact of Effectiveness to Use and Trust of Local Financial and Information System (SIKD) To Individual Performance in Southeast Moluccas. Procedia - Social and Behavioral Sciences, 211, 960–965. https://doi.org/https://doi.org/10.1016/j.sbspro.2015.11.127
Suliman, A., & Al Obaidli, H. (2013). Leadership and organizational citizenship behavior (OCB) in the financial service sector. Asia-Pacific Journal of Business Administration, 5(2), 115–134. https://doi.org/10.1108/17574321311321603