Persepsi Masyarakat Terhadap Produk Pembiayaan Bank Syariah: Studi Kasus pada Masyarakat Kelurahan Jawa Kecamatan Samarinda Ulu
DOI:
https://doi.org/10.24903/obor.v8i2.4105Keywords:
Public Perception, Islamic Consumption Behavior, Islamic Bank Financing, Cognitive Dimension, Affective Dimension, Conative DimensionAbstract
This study aims to analyzes public perception in Jawa Village, Samarinda Ulu District, toward Islamic banking financing products using Walgito's cognitive, affective, and conative dimensions and the perspective of Islamic Consumption Behavior. A descriptive qualitative approach was applied to 10 informants selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, then analyzed using data condensation, data display, and conclusion drawing/verification. Data validity was supported by source triangulation, technique triangulation, and member checking. The findings show that the public generally recognizes the prohibition of riba, but understanding of murabahah, mudharabah, and musyarakah mechanisms remains limited. Positive affective perceptions are associated with Sharia compliance, trust, and service quality, while interest in using Islamic financing is constrained by administrative and practical barriers. From an Islamic consumption perspective, these perceptions reflect the interaction between functional considerations and Sharia values. The study contributes an integrated explanation of how knowledge, attitudes, and behavioral tendencies shape perceptions of Islamic financing products.
References
Antonio, M. S. (2001). Bank syariah: Dari teori ke praktik. Jakarta: Gema Insani.
Aprilya, N. W., Parakkasi, I., & Sudirman. (2024). Perilaku konsumsi dalam ekonomi Islam: Studi kepustakaan komprehensif. Adilla: Jurnal Ekonomi Syariah, 7(2), 151–169. https://doi.org/10.52166/adilla.v7i2.6556
Ascarya. (2011). Akad dan produk bank syariah. Jakarta: Rajawali Pers.
Ashari, D. R. W., Al Haris, M. B., Rifa’i, A., & Hidayati, A. (2023). Persepsi masyarakat terhadap mitos dan fakta perbankan syariah. SINDA: Comprehensive Journal of Islamic Social Studies, 3(2), 125–133. https://doi.org/10.28926/sinda.v3i2.1178
Budiono, A. (2017). Penerapan prinsip syariah pada lembaga keuangan syariah. Law and Justice, 2(1), 54–65. https://doi.org/10.23917/laj.v2i1.4337
Dewan Syariah Nasional–Majelis Ulama Indonesia. (n.d.). Fatwa Dewan Syariah Nasional–Majelis Ulama Indonesia. https://dsnmui.or.id/
Dusuki, A. W. (2008). Understanding the objectives of Islamic banking: A survey of stakeholders’ perspectives. International Journal of Islamic and Middle Eastern Finance and Management, 1(2), 132–148. https://doi.org/10.1108/17538390810880982
Faizul, F., Nurwahida, N., Wulandari, S., & Damayanti, D. (2021). Persepsi pengetahuan dan sikap masyarakat terhadap perbankan syariah. Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam, 3(2), 140–146. https://doi.org/10.47435/asy-syarikah.v3i2.688
Fauziah, S., Jalaludin, J., & Sopian, A. A. (2022). Analisis persepsi masyarakat terhadap perbankan syariah di Desa Maracang Kabupaten Purwakarta. EKSISBANK: Ekonomi Syariah dan Bisnis Perbankan, 6(1), 58–68. https://doi.org/10.37726/ee.v6i1.349
Fitriah, R. R. A., Mahardhika, S. G., Zulfikar, A. L., & Widayati, N. (2025). Perception as a moderating variable of the influence of Sharia financial literacy on the decision to become a BSI customer. Jurnal Teknologi dan Manajemen Industri Terapan (JTMIT), 4(1), 111–117. https://doi.org/10.55826/jtmit.v4iI.834
Fitriah, R. R. A., Setyadi, D., Mintarti, S., Paminto, A., & Yudaruddin, R. (2026). Behavioral biases and Islamic ethical values: Determinants of investment decisions among treasury dealers in Islamic banks. Risk Governance and Control: Financial Markets & Institutions, 16(2), 91–101. https://doi.org/10.22495/rgcv16i2p8
Hermanto, B., & Syahril, S. (2020). Persepsi masyarakat terhadap perbankan syariah di Kabupaten Sumenep. Performance: Jurnal Bisnis & Akuntansi, 10(1), 77–92. https://doi.org/10.24929/feb.v10i1.973
Hidayatullah, M. S. (2022). Strategi mengoptimalkan peran DPS dalam penegakan prinsip syariah di lembaga keuangan syariah: Upaya menjaga sharia compliance. Bilancia: Jurnal Studi Ilmu Syariah dan Hukum, 16(1), 101–116. https://doi.org/10.24239/blc.v16i1.907
Ilyas, R. (2019). Analisis risiko pembiayaan bank syariah. BISNIS: Jurnal Bisnis dan Manajemen Islam, 7(2), 189–202. https://doi.org/10.21043/bisnis.v7i2.6019
Marusnia, F. J., Nursyahadah, F., & Hendra, J. (2024). Teori perilaku konsumsi Islam sebagai alternatif paradigma di era modern. Al-Sharf: Jurnal Ekonomi Islam, 5(3), 302–313. https://doi.org/10.56114/al-sharf.v5i3.11886
Miles, M. B., Huberman, A. M., & Saldaña, J. (2014). Qualitative data analysis: A methods sourcebook (3rd ed.). Thousand Oaks, CA: SAGE Publications.
Moleong, L. J. (2018). Metodologi penelitian kualitatif (Edisi revisi, Cet. ke-38). Bandung: PT Remaja Rosdakarya.
Mustofa, M. A., Jannah, M. F., & Zaman, M. I. (2022). Persepsi masyarakat dalam kebijakan merger Bank Syariah Indonesia: Studi kasus Kabupaten Tegal. Jurnal Ekonomika dan Bisnis Islam, 5(1), 207–216. https://doi.org/10.26740/jekobi.v5n2.p207-216
Nafisah, F. D. (2024). Persepsi masyarakat terhadap perbankan syariah: Studi kasus nasabah Bank Syariah Indonesia. Hasina: Jurnal Akuntansi dan Bisnis Syariah, 1(1), 64–70. https://doi.org/10.35897/hasina.v1i1.1490
Nurmahadi, N., & Setyorini, C. T. (2018). Maqasid syariah dalam pengukuran kinerja lembaga keuangan syariah di Indonesia. JAS: Jurnal Akuntansi Syariah, 2(1), 29–55. https://ejournal.stiesyariahbengkalis.ac.id/index.php/jas/article/view/130
Otoritas Jasa Keuangan. (2026, August 11). Siaran pers bersama: Indeks literasi dan inklusi keuangan masyarakat meningkat, OJK, LPS, dan BPS umumkan hasil Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) tahun 2026. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Hasil-SNLIK-Tahun-2026.aspx
Rhomadoni, S., & Khairan. (2022). Persepsi masyarakat terhadap produk perbankan syariah di Bandar Lor Kota Kediri. At-Tamwil: Kajian Ekonomi Syariah, 4(2), 185–201. https://doi.org/10.33367/at-tamwil.v4i2.2980
Riyanto, A., & Andrianie, R. (2024). JUAL BELI ONLINE PERSPEKTIF HUKUM ISLAM. Jurnal Ekonomika: Manajemen, Akuntansi, Dan Perbankan Syari’ah, 13(1), 176–185. Retrieved from https://journal.uwgm.ac.id/ekonomika/article/view/2313
Rosiana, T. F. (2021). Persepsi masyarakat terhadap pembiayaan pada bank dan lembaga keuangan syariah (Studi kasus pedagang di Pekalongan) [Undergraduate thesis, IAIN Metro]. Repository IAIN Metro. https://repository.metrouniv.ac.id/id/eprint/5659/
Rusdianto, H., & Ibrahim, C. (2016). Pengaruh produk bank syariah terhadap minat menabung dengan persepsi masyarakat sebagai variabel moderating di Pati. Equilibrium: Jurnal Ekonomi Syariah, 4(1), 43–61. https://doi.org/10.21043/equilibrium.v4i1.1837
Sa’diyah, M., Gumilar, A. G., & Susilo, E. (2021). Uji maqashid syariah perbankan syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 7(1), 373–385. https://doi.org/10.29040/jiei.v7i1.1725
Sirat, A. H. (2010). Persepsi masyarakat terhadap perbankan syariah di Kota Makassar. Al-Qalam, 16(2), 153–160. https://doi.org/10.31969/alq.v16i2.481
Siregar, O. M. (2020). Persepsi masyarakat terhadap bank syariah. Medan: Pustaka Ekonomi Islam.
Srisusilawati, P., Hardianti, P. D., Erlianti, N., Pitsyahara, I. R., & Nuraeni, S. K. (2022). Implementasi maqashid syariah terhadap produk perbankan syariah. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah, 7(1), 1–11. https://doi.org/10.24235/jm.v7i1.8409
Sugiyono. (2019). Metode penelitian kuantitatif, kualitatif, dan R&D (Cet. ke-27). Bandung: Alfabeta.
Walgito, B. (2010). Pengantar psikologi umum (Ed. ke-5). Yogyakarta: Andi Offset
