Determinant of Conventional Customer-s Bank Behavior Switch to Sharia Bank : A Case Study of Special Region of Yogyakarta
Sitti Hamidah Mujahidah, Annafsun Nadzifah, Ismiyati
Universitas Airlangga
Abstract
Along with the development of Islamic banking increasingly rapidly with a variety of products and services offered, many customers decide to move from conventional banks to Islamic banks. This is due to the many factors that influence the customers decision to switch banks. The purpose of this study was to determine the extent to which the determinants of customer behavior shifted from conventional banks to Islamic banks in the Yogyakarta Special Region. This research is a quantitative research, data collection techniques by distributing questionnaires and literature studies. The sampling technique uses purposive sampling method. Analysis tool using Logistic Regression. The results of this study note that the results of the t test (partial) indicate that the Cost variable has a positive and significant effect on the behavior of conventional bank customers to switch to Islamic banks with a probability value of 0.008 (0.008 <0.05), Discomfort variables have a positive and significant effect on the behavior of conventional bank customers to switch to Islamic banks with a probability value of 0.007 (0.007 <0.05, Failure variable of core service delivery has a positive and significant effect on the behavior of conventional bank customers to switch to Islamic banks with a probability value of 0.009 (0.009 <0.05), competitors attractiveness variables have a positive and significant effect on the behavior of conventional bank customers to switch to Islamic banks with a probability value amounting to 0.020 (0.020 <0.05, Ethical Problem variables have a positive and significant effect on the behavior of conventional bank customers switching to Islamic banks with a proobability value of 0.014 (0.014 <0.05), and the Unintentional variable Switching has a positive and significant effect on the behavior of conventional bank customers turning to Islamic banks with a probability value amounting to 0.044 (0.044 <0.05). The results of the f test (Simultaneous) show that independently together have a positive and significant influence on the behavior of switching conventional banks to Islamic banks. This is evident from the results of the t test and the f test produces a significance value of 0.000 (0.000 <0.05). The R Square value of 0.891 states that the independent variable is able to influence the dependent variable by 89.1%. While the remaining 10.9% is explained by other variables outsidethisresearch.
Keywords: Determinants, Customer Behavior, Banks
Topic: Social and Economic Issues