DETERMINANTS OF ISLAMIC BANKING ACCEPTANCE AS A SINGLE BANKING SYSTEM IN ACEH
Abstract
Abstrak: Penelitian ini bertujuan untuk melihat faktor-faktor yang mempengaruhi penerimaan terhadap implementasi perbankan syariah sebagai sistem tunggal perbankan di Provinsi Aceh, Indonesia. Penelitian menggunakan data primer yang dikumpulkan dari 169 responden dengan metode penyebaran kuesioner. Data dianalisis menggunakan Partial Least Square Structural Equation Modelling (PLS-SEM). Hasil dari penelitian menunjukkan bahwa sikap konsumen, kesiapan untuk mentaati hukum Islam, Persepsi terhadap Manfaat Perbankan Syariah dan Persepsi terhadap Inovasi Perbankan Syariah merupakan faktor-faktor determinan yang mempengaruhi niat menggunakan bank syariah yang merupakan salah satu indikator penerimaan Perbankan Syariah sebagai sistem tunggal perbankan di Aceh. Sedangkan pengetahuan tentang Perbankan Syariah tidak memiliki pengaruh signifikan. Hasil dari penelitian ini diharapkan bermanfaat kepada pemerintah, stakeholder perbankan syariah dan regulator perbankan syariah dalam menyusun kebijakan perbankan syariah sebagai sistem tunggal perbankan di Aceh, Indonesia. Selanjutnya penelitian ini diharapkan bermanfaat dalam menambah literatur akademik bidang ekonomi dan keuangan Islam.
Abstract: This study investigates the factors affecting Islamic banking acceptance as a single banking system in Aceh, Indonesia. It used primary data collected from 169 respondents using a self-administered structured questionnaire. Empirical data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The study results show that consumer attitude, readiness to comply with Islamic law, perceived benefit of Islamic Banking, and perceived innovativeness of Islamic Banking were critical determinants of intention to use Islamic Banking as the single banking system in Aceh, Indonesia. The least influential factor was knowledge of Islamic Banking. This study's results are expected to help the government, banking and financial stakeholders, and policymakers to plan appropriate policy in implementing Islamic Banking as a single banking system in Aceh, Indonesia. Furthermore, the study will contribute to existing academic literature, especially in Islamic Banking.
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