Why are customers interested in using Islamic credit cards ? Purnama Putra(a*), Mutiara Rahhayu(a),Rafika Rahmawati(a), Isfandayani(a), Rizal Fahlevi(a), Mas Deden Tirtajaya(a), Arief Widyananto(a)
(a) Islamic Banking Study Program of The Faculty of Islamic Studies, Universitas Islam 45
*purnama.p41[at]gmail.com
Abstract
Sharia banking in Indonesia exists because of the public^s need for alternative transactions that are usury-free, where the Muslim religion is around 80%. Sharia banking as an alternative to commercial banks must follow the progress of the community^s economy by providing services and innovations in order to provide satisfaction to its customers. One of the innovative products of Islamic banking is issuing credit cards as a tool of payment. Currently, only 3 Islamic banks have issued Islamic credit cards, namely the Dirham Card issued by Bank Danamon Syariah, the Hasanah Card issued by Bank BNI Syariah, CIMB Niaga launched the Gold Card Islamic financing card. The development of Islamic credit card users in 2018, BNI Syariah successfully acquired 20,115 new cards with a total number of BNI iB Hasanah Card cards at the end of 2018 of 282,095 cards. This study seeks to explore what factors influence people^s interest in choosing to use a Sharia Credit Card using the concept of Planned Behavior Theory. Data obtained based on purposive sampling of 270 people with the distribution of Jakarta, Bogor, Depok, Tangerang and Bekasi. The analysis technique used is multiple linear regression which was processed using SPSS 20. Based on the results of the study, the results of the t-test for variables that influence the interest in using Islamic credit cards partially are attitude variables that have a positive and significant effect, subjective norm variables have a positive but insignificant effect. and perceived behavior control variables also have a positive and significant effect. The results of the F-test show that the variables of attitude, subjective norms and perceived behavior control have a simultaneous and significant effect on customer interest in using Islamic credit cards. The hopes for further research are to expand the scope of research and add variables related to the application of Islamic credit cards for optimizing sharia banking services and market share.
Keywords: Islamic Credit Card- attitude- subjective norm- perceived behavioral control
