Persepsi Pelanggan Bukan Islam Terhadap Perbankan Islam: Satu Kajian Rintis

Abstract

The aim of this pilot study is to analyze the perceptions of non-Muslim customers towards Islamic banking. The data was collected utilizing questionnaires that were distributed through random sampling to non-Muslim customers and was analyzed using the descriptive method. The findings of the study conducted in the area of Kuala Terengganu revealed that most customers still had low level of knowledge about Islamic banking with their main source of knowledge being newspapers and television. A large category of respondents were not confident that Islamic Banking could compete with conventional banking and most of the respondents who had yet to use Islamic banking were equally disinterested in using Islamic Banking. This pilot study also found that amongst the important factors influencing non-Muslim customers in their selection of banks were high interest rates, safety of deposits, fast and efficient services, fast transactions and service quality. Islamic banking products that have appealed to non-Muslim customers include savings account, share investment and credit cards. 

Kajian rintis ini bertujuan mengkaji persepsi pelanggan bukan Islam terhadap perbankan Islam. Data dikumpul melalui kaedah soalselidik yang diedarkan secara persampelan rawak kepada pelanggan-pelanggan bukan Islam dan dianalisis menggunakan kaedah deskriptif. Hasil kajian rintis yang telah dilakukan di sekitar Kuala Terengganu mendapati kebanyakan pelanggan masih lagi mempunyai tahap pengetahuan yang rendah mengenai perbankan Islam dengan sumber pengetahuan mereka yang utama adalah akhbar dan televisyen. Sebahagian besar responden tidak yakin perbankan Islam dapat menyaingi perbankan konvensional dan ramai juga responden yang belum menggunakan perbankan Islam turut menyatakan tidak berminat untuk menggunakan perbankan Islam. Kajian rintis ini juga mendapati faktor-faktor penting yang mempengaruhi pelanggan-pelanggan bukan Islam dalam pemilihan bank ialah faedah yang tinggi, tabungan yang selamat, perkhidmatan yang cepat dan efisyen, transakasi yang cepat, dan kualiti perkhidmatan. Produk perbankan Islam yang mendapat sambutan pelanggan bukan Islam ialah akaun simpanan, pelaburan dalam saham dan kad kredit.