Mustika Sufiati Purwanegara

Exploring implicit and explicit attitude toward saving at Islamic bank

Purpose – The purpose of this paper is to explore the implicit and explicit attitude toward Islamic bank and how it influences desire to saving at an Islamic bank. Although the Islamic bank system has been experiencing rocket growth worldwide, but the development in Indonesia is still unsatisfying. The penetration is very low compared to the conventional bank system. Consumer attitude is one of the most important variables that need to be understood to develop effective intervention. Although extensive research has been carried out on consumer attitude in the Islamic bank context, no single study adequately elaborates on implicit attitude. Design/methodology/approach – A sample of 423 respondents was taken to represent the middle-class employee segment. A set of questionnaires consisting of four sections was administered to respondents. The first section is a paper-based implicit attitude test, which collected data using a face-to-face interview, and the rest was self-reported. Data were analyzed using de...

Measuring Islamic Business Ethics Within Indonesia Islamic Banks

The business characteristic of Islamic banks is the implementation of Islamic business ethics. Parallel with the trend of increasing preference to ethical institution, Islamic banks should put this as its competitive edge toward its competitor conventional competitor banks. However, only few previous studies discussed about the implementation of Islamic business ethics within Islamic banks and none suggested how to measure such implementation. This paper is a study of the literature on ethics and Islamic business ethics as the first step in developing a measurement tool of Islamic business ethics implementation within Islamic banks. This paper synthesizes the dimensions of Islamic business ethics that is excavated from the Quran and Sunna, being proposed by previous studies. There are seven dimensions, namely unity of God, benevolence, justice and equity, sincere, equilibrium, trusteeship and responsibility. Subsequently, this paper outlines these dimensions into 21 items. The opportunity of future empirical study is recommended at the end of this paper.

Purchase decision criteria when choosing a bag in Indonesia

Appearance has become an important factor in life. Not only workers but also university students tend to choose products which reflect their identity. Applying ANOVA, this paper highlights the awareness of signal visibility among young females. There are four variables involved: demographics, signal explicitness, product evaluation, and lifestyle. We sent a questionnaire to 410 student respondents in order to gain insight into this topic. From this study, we find that young Indonesian females tend to choose products which have both visible and subtle signals. There are also differences in product criteria between freshman and senior students, based on four criteria: material, comfort, peer group opinion and fashion. We found that female university students fall into three of the eight different VALS™ types – strivers, experiencers, and makers – which means they are active customers and like to make their own products.

How Eco-oriented Firm Influences Innovators Intention to Purchase Biofuel

Consumer innovativeness is an important concept to new product success and can be measured through purchase intention for certain new product. The purpose of this study is, first, to investigate the relationship of opinion leadership and opinion seeking, represent a viable proxy for innovativeness, with purchase intention for biofuel, a new environmentally friendly fuel alternative in Indonesian market; second, to elaborate the role of eco-oriented firm reputation toward this relationship. This study found that reputation of eco-oriented firm as moderating factor could improve the relationship of consumer innovativeness and purchase intention. Thus, marketers may consider eco-oriented firm reputation as the persuasion cues to generate new interest in biofuel to their innovative consumers.

Does City Brand Equity Have any Impacts in Tourism World? A Case Study of Bandung City - Indonesia as a Tourism Destination

In today’s world of tourism when people can go travelling easily because of many low cost carriers, city branding becomes a crucial point to be considered in the need of elevating city’s position among the other competitors as it can attract more tourists. Bandung is the capital city of West Java – Indonesia, which tourism has become very phenomenal as it has been increasing time to time (bandung.go.id). Bandung city is true to have so many potentials such as in culinary, fashion, beautiful mountains, heritage buildings, etc – which are very good, since anything special in a city might attract tourists (Hospers, cited in Dinnie, 2011). But then, it’s been a huge question if there is any urgency to brand Bandung and differentiate it from others in the purpose of gaining competitive brand value – as the theory of place branding (Ashworth, 2009; cited in Dinnie, 2011) which is more complex than branding products and services (Freire, 2005; cited in Dinnie 2011). Yet, it is a difficult task to do since images associated with a city are intangible and abstract (Dinnie, 2011). Additionally, even though cities have several different target audiences, the core brand stance must be consistent – One city, one brand (Dinnie, 2011). So that this research will measure CBBETD of Bandung city as tourism destination from the tourists’ perspective and whether the results have any significant impacts toward Bandung tourism and also toward future development of Bandung city branding.

The efficacy of the model of goal directed behavior in explaining Islamic bank saving

Purpose The purpose of this paper is to test the efficacy of model of goal-directed behavior (MGB) to explain and predict savings at Islamic bank behavior. The importance of understanding consumer intention to develop good strategy to accelerate consumer saving at Islamic bank is inevitable. One of the most popular theories explaining behavioral intention was the MGB. Although it has been validated and tested in a variety of contexts, this theory has never been applied in behavior related to Islamic banks. Design/methodology/approach The present study used a combination of qualitative and quantitative data. Qualitative data obtained from 31 in-depth interviews were used to develop behavioral beliefs components and a control beliefs component, while quantitative data obtained from a survey of 316 respondents were used to test the model. Structural equation modeling was the main data analysis technique. Findings The result shows that MGB has good indicators of fit, which implies that it can be used to explain and predict intention to save at Islamic bank. This research also reveals several behavioral and control beliefs that positively contribute to intention. Originality/value This paper contributes to behavior prediction literature by exploring the possibility of the application of the MGB in the Islamic bank context. It also gives a deeper understanding of the Indonesian Islamic bank consumer market that has great potential for development in the future.