This research is aimed at finding the perception of Moslem society toward syariah bank, the way they manage their financial and the factors that encourage and cause syariah bank is chosen or not, thus, it is expected to give the appropriate recommendation especially for the developer of syariah banking.
This empirical research done by qualitative approach describes the phenomena of 2 Moslem groups that had been the customer of syariah bank and those who had not been the customer of syariah bank. The data investigation and interview are done by indept interview to completely attain the research objective.
The result of research shows that the perception of East Java Moslem society is positive toward the basic principle of syariah bank. On financial management, some customers of Moslem society also use the other financial institution for saving, money borrowing and other services of financial and banking institution. The main reason of Moslem society for choosing syariah bank is due to its appropriateness with Islamic syariah (law), security, and nearness with their livings. While the main factors of syariah bank for not being chosen by the Moslem society are: the unavailability of syariah bank at the area of Moslem society, the more strategic location of other financial institutions, advertisement and prize.
This research recommends syariah bank to do emotional approach toward Moslem society, on condition that syariah bank is able to show the Moslem society that its product is really appropriate with syariah (Islamic law), the placement of Human Resource that views the transaction of muamalah which is appropriate with syariah, the product of syariah bank should be appropriate with the needs of Moslem society. The approach toward Moslem society that used the other syariah financial institution should be done precisely, such as by developing the variation of product, service, and a better marketing as well as cooperating with the existing syariah financial institution.
Ketua: Dr. Jazim Hamidi, SH., MH., Anggota: Siti Hamidah, SM.,
MM, Dr. Sukarmi, SH.MH., Dr. Sihabuddin, SH., MH., Lucky Hendrawati,
SH.Mhum., Adi Kusumaningrum, SH.
