Islamic Bank Customers’ Categorization of Cognitive Process Regarding Usury: A Case Study in Bank Syariah Indonesia Manado

Samad, Telsy Fratama Dewi; Saifulloh, Ahmad

doi:10.20885/millah.vol21.iss2.art2

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Islamic Bank Customers’ Categorization of Cognitive Process Regarding Usury: A Case Study in Bank Syariah Indonesia Manado

Millah: Journal of Religious Studies · Vol. 21 No. 2 (2022) · hlm. 335–360

DOI: 10.20885/millah.vol21.iss2.art2
ISSN: 2527-922X, 1412-0992
Terbit: 2022-05-22
Penerbit: Universitas Islam Indonesia
Bahasa: eng
Lisensi: creativecommons.org/licenses/by-sa/4.0

Abstrak

Although previous studies on usury have been conducted, the focus on customers’ knowledge of usury was limited. This study aimed to analyze Islamic bank customers’ cognitive process regarding usury and to analyze the differences between Muslim and non-Muslim customers’ perspectives regarding usury practice in the bank. The study could be categorized as qualitative because it used qualitative data in the form of interview results. Furthermore, it used a case study approach with Bank Syariah Indonesia Manado as the location. Twenty customers of the bank, ten of them Muslims and ten other non-Muslims, were selected as participants using a convenience sampling method. They were interviewed using the Zoom application to collect data on their knowledge regarding usury and Islamic banks. Anderson and Krathwohl’s categories of the cognitive process were used to categorize participants’ responses. The results showed that all customers attained level 1 (remember) and level 2 (understand) usury and only four of them attained level 3 (apply) based on Anderson and Krathwohl’s categorization. It implied that only four of ten Muslim participants become customers of the Islamic bank because of their belief in the bank’s status as a usury-free financial institution. Other findings suggested that all customers were in the same opinion that money lending practiced by the loan sharks should be categorized as usury, while not all customers viewed money lending by the current banking industry as usury.

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10 penulis · 21 tautan kepenulisan bersama · 5 lintas organisasi

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University of Darussalam Gontor
Institut Agama Islam Negeri Manado
Institut Agama Islam Negeri Kerinci

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Rekan penulis	Organisasi	Artikel bersama
Nurul Salis Alamin	Institut Agama Islam Negeri Kerinci	1
Syarifah Syarifah	University of Darussalam Gontor	1
Riza Ashari	University of Darussalam Gontor	1
Idam Mustofa	University of Darussalam Gontor	1
Ihwan Mahmudi	University of Darussalam Gontor	1
Siti Anne Barkah Nur Fauziah	University of Darussalam Gontor	1
Moh. Ismail	University of Darussalam Gontor	1
Taufik Rizki Sista	University of Darussalam Gontor	1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) http://journal.uii.ac.id/Millah/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.

Metadata asli (oai_dc)

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	<dc:title xml:lang="en-US">Islamic Bank Customers’ Categorization of Cognitive Process Regarding Usury: A Case Study in Bank Syariah Indonesia Manado </dc:title>
	<dc:creator>Samad, Telsy Fratama Dewi</dc:creator>
	<dc:creator>Saifulloh, Ahmad</dc:creator>
	<dc:subject xml:lang="en-US">Bank Syariah Indonesia</dc:subject>
	<dc:subject xml:lang="en-US">Muslim Customer</dc:subject>
	<dc:subject xml:lang="en-US">Non-Muslim Customer</dc:subject>
	<dc:subject xml:lang="en-US">Usury</dc:subject>
	<dc:description xml:lang="en-US">Although previous studies on usury have been conducted, the focus on customers’ knowledge of usury was limited. This study aimed to analyze Islamic bank customers’ cognitive process regarding usury and to analyze the differences between Muslim and non-Muslim customers’ perspectives regarding usury practice in the bank. The study could be categorized as qualitative because it used qualitative data in the form of interview results. Furthermore, it used a case study approach with Bank Syariah Indonesia Manado as the location. Twenty customers of the bank, ten of them Muslims and ten other non-Muslims, were selected as participants using a convenience sampling method. They were interviewed using the Zoom application to collect data on their knowledge regarding usury and Islamic banks. Anderson and Krathwohl’s categories of the cognitive process were used to categorize participants’ responses. The results showed that all customers attained level 1 (remember) and level 2 (understand) usury and only four of them attained level 3 (apply) based on Anderson and Krathwohl’s categorization. It implied that only four of ten Muslim participants become customers of the Islamic bank because of their belief in the bank’s status as a usury-free financial institution. Other findings suggested that all customers were in the same opinion that money lending practiced by the loan sharks should be categorized as usury, while not all customers viewed money lending by the current banking industry as usury.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Islam Indonesia</dc:publisher>
	<dc:date>2022-05-22</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
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	<dc:identifier>https://journal.uii.ac.id/Millah/article/view/22410</dc:identifier>
	<dc:identifier>10.20885/millah.vol21.iss2.art2</dc:identifier>
	<dc:source xml:lang="en-US">Millah: Journal of Religious Studies; Vol. 21, No. 2, February 2022; 335-360</dc:source>
	<dc:source>2527-922X</dc:source>
	<dc:source>1412-0992</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uii.ac.id/Millah/article/view/22410/13638</dc:relation>
	<dc:relation>https://journal.uii.ac.id/Millah/article/view/22410/15231</dc:relation>
	<dc:relation>https://journal.uii.ac.id/Millah/article/view/22410/21140</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Telsy Fratama Dewi Samad, Ahmad Saifulloh</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
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