PENGEMBANGAN PERBANKAN SYARIAH (ANALISIS BEHAVIORAL INTENTION NASABAH PADA KASUS KONVERSI BANK ACEH)

Harjoni, NIM.: 1430316004 (2019) PENGEMBANGAN PERBANKAN SYARIAH (ANALISIS BEHAVIORAL INTENTION NASABAH PADA KASUS KONVERSI BANK ACEH). Doctoral thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The Regional Development Bank of Aceh has converted to Bank Aceh Syariah (BAS) or Aceh Sharia or Islamic bank. The conversion is expected to give birth to certain behaviors, whether or not the customers will remain its customers. To elaborate on this problem, this study applies the theory of planned behavior (TPB) which aims: first, to determine the influence of the perceived behavior control (PBC) proxied by Aceh's privilege in the field of religion and customs towards behavioral intention of customers at BAS; second, the influence of subjective norms on customers' behavioral intention; and third, the effect of attitude toward behavior (ATB) towards customers' behavioral intention at BAS. The samples in this study are 160 respondents. This quantitative research method uses Structural Equation Model (SEM) with AMOS program version 24. The results show that Aceh's privilege in the field of religion and custom has a significant positive effect on behavioral intention with a critical ratio (CR) value of 2.451 which is above the requirements of CR>1.96 with a significance level of 0.014 (smaller than 0.05). Subjective norm does not have a significant effect and is negative on behavioral intention with a CR value of -1,600 which is below the requirements of CR>1.96 with a significance level of 0.110 (greater than 0.05). ATB has a significant effect on behavioral intention with a CR value of 2.928 which is above the requirements of CR>1.96 with a significance level of 0.003 (smaller than 0.05). Based on the analysis, this study produces important findings, namely: Subjective norm does not have a positive and significant relationship with the Privileges of Aceh as evidenced by the CR value of (-1,600) <(1.96), with a significance value (0.110)> (0.05), and does not have a positive and significant effect on behavioral intention to become a customer, as evidenced by the CR value of 0.280 which is below the requirements of CR>1.96, with a significance level of 0.779 (greater than 0.05). It can be explained that social influences around customers (referrants), such as parents, friends, spouses, siblings, neighbors, and clerics do not have an influence on the Privileges of Aceh and behavioral intentions of customers. This happens because customers are more likely to follow the influence (behavioral control) which is stronger in deciding a behavior. The Privileges of Aceh are more likely to be positively and significantly related to the intention, and actual behavior of BAS customers. These results also strengthen the theoretical model built in this dissertation regarding the role of Aceh Privileges as a proxy of PBC variables. Besides, ATB is positively and significantly related to behavioral intention to remain a customer. Therefore, attitudes can be considered as an important part in predicting and describing the behavior of BAS customers.

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