Economic Pragmatism of Yogyakarta Muslim Community in Selecting Banking Institutions

Itsla Yunisva Aviva, Misnen Ardiansyah, Syafiq Mahmadah Hanafi

Abstract


This research discusses the motives of the Muslim community in choosing banking institutions by using the analysis of pragmatism theory. This research is qualitative research using a phenomenology approach. Data collection that is used in this research is the interview, observation, and documentation. The result of the study indicated that the Muslim’s customer of Yogyakarta tend to be pragmatic  due to the character of society which has more accommodating and flexible philosophy of life (tolerance). This pragmatic attitude was influenced by the internal factors (cognitive limitations) and external factors (reputation and service of Conventional Banks). Furthermore, adopting from the theory of  Schutz’s motives that the motives reason (because of motive) of Yogyakarta's Moslem customers in choosing to the bank are their inconsistency in choosing is influenced by economic and service motives that are stronger than religious motives. As for their destination motive (in order to motive) namely fulfilling their needs.

Keywords


Pragmatism, Customer Decission, Because Motive, In Order To Motive

Full Text:

PDF

References


Adawiyah, Wiwiek Rabiatul. 2010. Pertimbangan, Pengetahuan, dan Sikap Konsumen Individu Terhadap Bank Syariah. Jurnal Ekonomi Pembangunan, Volume 11, Nomor 2 : 191-201.

Adler, Mortimer J. 1970. Pragmatism dalam Encyclopedia Britannica Vol. 18.. Chicago : The University of Chicago Press.

Aisyah, Muniaty. 2018. Islamic Bank Service Quality and It’s Impact on Indonesian Customers’ Satisfaction and Loyalty. Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics), Volume 10 (2) : 367-388.

Ali, Muhammad, Syed Ali Raza, Chin-Hong Puah. 2015. FactorsAffecting Intention to Use Islamic Personal Financing in Pakistan: Evidence from the Modified TRA Model. MPRA : Munich Personal RePEc Archive, Paper No. 66023 : 1-25.

Bank Indonesia. 2019. Laporan Perekonomian Provinsi Daerah Istimewa Yogyakarta : Permintaan Domestik Menguat, Pertumbuhan Ekonomi DIY Melesat. Yogyakarta : Tim Advisory Ekonomi dan Keuangan Kantor Perwakilan Bank Indonesia Daerah Istimewa Yogyakarta.

Bodibe, Seipati, Norman Chiliya, Christopher Tarisayi Chikandiwa. 2016. The Factors Affecting Customers’ Decisions to Adopt Islamic Banking. Banks and Bank Systems, Volume 11, Issue 4 : 144-151.

Butt, Irfan, Nisar Ahmad, Amjad Naveed & Zeeshan Ahmed. 2018. Determinants of low adoption of Islamic banking in Pakistan. Journal of Islamic Marketing, Vol. 9 No. 3: 655-672.

Cahyani, Asih Fitri, Saryadi dan Sendhang Nurseto. 2013. Pengaruh Persepsi Bunga Bank dan Kualitas Pelayanan Terhadap Minat Menabung Pada Bank BNI Syariah di Kota Semarang, Diponogoro Journal Of Social Politic : 1-8.

Cahyani, Putri Dwi. 2016. Tingkat Kepuasan Nasabah Terhadap Kualitas Layanan Perbankan Syariah Di Yogyakarta. Esensi :Jurnal Bisnis dan Manajemen. Volume 6 (2) : 151-162.

Darley, William. K. , Blankson, C., Luethge, D. J. 2010. Toward an Integrated Framework for Online Consumer Behavior and Decision Making Process: A Review. Article in Psychology & Marketing. Vol. 27 (2) : 94-116.

Daniar, Agus. 2012. Persepsi dan Motif menjadi nasabah Bank Konvesional bagi nasabah Muslim Fakultas Ilmu Komunikasi Universitas Pajajaran, Bandung: 1-14.

Dawami, Qasdan. 2020. Factors Influencing The Preference Of Customers Towards Islamic Banking: Evidence From Malaysia. Journal of Islamic Economic Laws, Vol. 3, No. 1 : 48-67

Dewey, John. tt. Essay in Experimental Logic. Chicago : The University of Chicago Press.

Drummond, Helga. 2007. Metode Penelitian Bisnis. Edisi kelima Jilid 1. Jakarta : Erlangga.

El-Iswana, Zuraidah. 2016. Bank Syariah Antara Realita Dan Harapan Masyarakat Muslim. Hukum Islam. Vol. XVI No.2 : 170-181.

Faris, Muhammad. 2018. Fenomenologi : Dalam Penelitian Ilmu Sosial. Cet. Ke-1. Jakarta : Prenadamedia Group.

Fasa, Muhammad Iqbal. 2013. Tantangan dan Strategi Perkembangan Perbankan Syariah di Indonesia. Jurnal EKONOMI ISLAM. Vol. 2, No. 1: 19-40.

Gunawan, Ade dan Ahmad Effendi. 2004. Pengaruh Fatwa Majelis Ulama Indonesia Tentang Bunga Bank Terhadap Minat Menabung Masyarakat : Studi Kasus Pada PT. BPRS Puduarta Insani Medan. Jurnal Ilmiah Manajemen dan Bisnis Univeritas Muhammadiyah Medan. Vol. 4 No. 2:

Honderich, Ted. 1995. The Oxford Companion to Philosophy. United Kingdom : Oxford University Press.

Hou, Cheng-i. 2013. Study on Decision-Making For Café Management Alternative. International Journal of Computer Science & Information Technology (IJCSIT). Vol. 5, No. 6: 67-75.

Karim, Adiwarman. 2010. Bank Islam : Analisis Fiqih dan Keuangan. Jakarta : Rajawali Press.

Keraf, Sonny. 1987. Pragmatisme menurut William James. Yogyakarta : Kanisius.

Kotler, Philip. 1997. Marketing Management : Analysis, Planning, Implementation and Control. Ninth Edition. New York : Prentice-Hall.

Kolter, Philip dan Kevin Lane Keller. 2007. Manajemen Pemasaran. Jakarta : Indeks.

Knight, George R. 1982. Issues and Alternatives in Educational Philosophy. Michigan: Andrews University Press.

Lajuni, Nelson, Winnie Wong Poh Ming, Yusman Yacob, Hiram Ting & Alfera Jausin. 2017. Intention to Use Islamic Banking Products and Its Determinants. International Journal of Economics and Financial Issues, Vol. 7 No.1: 329-333.

Livingston, James. 2000. Pragmatism and the Political Economy of Cultural Evolution. Carolina: University of North Carolina.

Mochlasin. 2017. Peran Fatwa Haram Bunga Bank Terhadap Faktor-faktor yang Mempengaruhi Perilaku Nasabah Muslim Bank Syariah. Disertasi. Program Doktoral Pascasarjana Universitas Islam Negeri (UIN) Sunan Kalijaga Yogyakarta.

Mudhofir, Ali. 1988. Kamus Teori dan Aliran Dalam Filsafat. Yogyakarta : Liberty.

Mullin, Richard P. 2007. The Soul of Classical American Philosophy. Albany : State University of New York Press.

Nevita, Ary Permatadeny & Zainal Arifin. 2015. Perilaku, Karakteristik, Persepsi Masyarakat Terhadap Bank Syariah di Eks Karasidenan Kediri. Jurnal Nusantara of Research, Vol. 2, No.2 : 148-156.

Otoritas Jasa Keuangan, Statistik Perbankan Syariah April 2019.

Pepinsky, Thomas B. 2010. The Demand for Islamic Banking: Piety, Class, and Global Identity. For presentation at the International Political Economy Society Cambridge, MA : 1-39.

Rivai, Harif Amali; Niki Lukviarman, Syafrizal, Syukri Lukman, Fery Andrianus, Masrizal. Identifikasi Faktor Penentu Keputusan Konsumen Dalam Memilih Jasa Perbankan : Bank Syariah Vs Bank Konvensional.. Kerjasama Bank Indonesia dan Center for Banking Research Universitas Andalas, Technical Report : 1-18.

Rosyid, Rum. 2010. Pragmatisme Ekonomi Indonesia : Sejarah Mencampur Aduk Ekonomi. Kementerian Pendidikan Nasional.

Sardiman. 2004. Interaksi dan Motivasi belajar-mengajar. Jakarta: Raja Grafindo Persada.

Sobur, Alex. 2003. Psikologi Umum. Bandung: CV Pustaka Setia.

Sufitrayati dan Fanny Nailufar. 2018. Faktor-faktor Yang Mempengaruhi Keputusan Nasabah Dalam Memilih Bank Syariah Di Kota Bb bbanda Aceh. Ihtiyath, Vol. 2 No. 1 : 1-22.

Supraja, Muhammad. 2012. Alfred Schutz: Rekonstruksi Teori Tindakan Max Weber. Jurnal Pemikiran Sosiologi UGM, Volume 1, No. 2 : 81-90.

Trinarso, Agustinus Pratisto dkk. 2015. Meninjau Ulang Dan Menyikapi Pragmatisme Dewasa Ini. Cet. Ke-1. Fakultas Filsafat : Universitas Katolik Widya Mandala Surabaya.

Wardiana, Uswah. 2004. Psikologi Umum. Jakarta: PT. Bina Ilmu.

Witjaksono, Mit. 2016. Analisis Kritis dan Pragmatis Caring Economics sebagai Paradigma baru Kajian Ekonomi. Jurnal Ekonomi dan Studi Pembangunan, Vol. 8, No.2: 214-242.

Yasin, Mohamad Nur. 2017. Pragmatisme Perbankan Syariah dalam Penyelesaian Eksekusi Objek Hak Tanggungan (Studi Putusan No. 116/Pdt.Plw/2015/PN.Kpn). Al-Ihkam, Vol. 12, No. 1 : 41- 66.




DOI: https://doi.org/10.18326/infsl3.v14i2.201-220

Refbacks

  • There are currently no refbacks.


                                                                     

Creative Commons License

INFERENSI by http://inferensi.iainsalatiga.ac.id/ is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

INFERENSI IAIN SALATIGA p-ISSN: 1978-7332, e-ISSN:2502-1427

Indexed by: