Dani, Ibrahim
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Journal : Hasanuddin Economics and Business Review

Customers' Switching Barrier on Switching Behavior from Conventional Banks to Sharia Banks Karim, Kasnaeny; Dani, Ibrahim
Hasanuddin Economics and Business Review VOLUME 4 NUMBER 2, 2020
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v4i2.2397

Abstract

This study aims to explore the reasons why conventional bank customers have not yet shifted to Islamic (sharia) banking in South Sulawesi, as well as identify the obstacles that have caused customers to remain conventional banks. The research subjects numbered 110 people. The research method uses Mixed Methods with sequential exploratory design. The first stage is a qualitative method to obtain data that is variable because the community has not yet switched to sharia banking. The second stage of the quantitative method is using Factor Analysis, to deepen the data and test the data so that the findings can be generalized. Data were collected by open and closed questionnaires and interviews, validity and reliability tests were carried out based on the analysis model used. The results of the analysis show that the factors that constrain people to move to Sharia banking are Fee Interest Factor, Information Factor, Location Factor, Relationship and Reputation Factor, Religiosity Factors, Product Factor, and Financial Risk Cost Factor. There are four findings of new factors as novelty of this study, namely Fee Interest Factors, Location Factors, Religiousity Factors, and Product Factors, as barriers to switch for the service industry, especially Sharia banking.
Can Bugis-Makassar Local Culture Reduce Compulsive Buying Behavior? Karim, Kasnaeny; Dani, Ibrahim
Hasanuddin Economics and Business Review VOLUME 5 NUMBER 3, 2022
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v5i3.3433

Abstract

This study aims to determine whether the local wisdom of Bugis culture is able to minimize consumer behavior in purchasing products, considering the negative impact caused by excessive shopping behavior with the use of credit cards that exceed the limit of funds or without the use of credit cards. Research informants amounted to 100 people obtained through snowball sampling. Research data were collected through open and closed questionnaires and interviews, then the research instrument was tested through validity and reliability tests using triangulation and peer review methods. The research method uses a narrative qualitative approach to obtain an explanation of whether the local wisdom of Bugis culture, namely "Siri'", is able to prevent compulsive buying behavior (consumerism). The results of the analysis show that siri' is believed to be able to prevent someone from spending excessively, because (1) there is a sense of shame to Self and Family, (2) There is shame to God Almighty, because God does not like people to do excessive behavior, and (3) there is a sense of shame about social sanctions when unable to pay arrears due to excessive use of credit cards.The implications of the results of this study can be used as reference material in preventing compulsive buying behavior and consumerism