Perceptions of Non-Muslim Chinese Ethnic Communities towards Islamic Banking (Study of the Chinese Village Community in Bengkulu City)
Abstract
Abstract. This study aims to determine the perception of non-Muslim Chinese ethnic communities towards Islamic banking, especially the community in Kampung Cina, Bengkulu City. The method used is a descriptive qualitative approach with in-depth interview techniques with ten informants. The results of the study indicate that the majority of the community is aware of the existence of Islamic banking and understand that the service is open to all groups. However, their level of understanding of the principles and systems of Islamic banking is still low. This low level of understanding is caused by minimal socialization and limited facilities and services. In addition, most people feel that their financial needs have been met by conventional banks. This study recommends increasing socialization and expanding services to increase the inclusiveness of Islamic banking
References
Fabiana Meijon Fadul, Manajemen Pperbankan Syariah, Uir Press, 2019
Kasmir, Bank Dan Lembaga Keuangan Lainnya (Jakarta: PT.Raja Grafindo Perseda, 2011)
Kbbi, ‘Pancaindra’, Kamus Besar Bahasa Indonesia (Pancaindra), 2024
Prasetyo, Ristiyanti, and Jhon Lhalauw, Perilaku Konsumen (Jakarta: Kencana, 2014)
Rahma, Tri Inda Fhadila, ‘Perbankan Syariah I’, Buku Diktat, 2019, 100–117
Sholihin, Ahmad Ifham, Buku Pintar Ekonomi Syariah (Jakarta: PT. Gramedia, 2010)
Ardianti, Lena Tevi, ‘PERSEPSI MASYARAKAT TERHADAP BANK SYARIAH DI DESA PALOPAT PIJORKOLING PADANGSIDIMPUAN’, Fakultas Ekonomi Dan Bisnis Islam , Etd.Uinsyahada.Ac.Id, 112, 2020
Arifin, Hadi Suprapto, Ikhsan Fuady, and Engkus Kuswarno, ‘Analisis Faktor Yang Mempengaruhi Persepsi Mahasiswa Terhadap Keberadaan Perda Syariah Di Kota Serang’, Jurnal Penelitian Komonikasi Dan Opini Publik, 21.1 (2017), 88–101
Ashari, Denny Rakhmad Widi, Mohammad Basid Al Haris, Akhmad Rifa’i, and Atina Hidayati, ‘Persepsi Masyarakat Terhadap Mitos Dan Fakta Perbankan Syariah’, SINDA: Comprehensive Journal of Islamic Social Studies, 3.2 (2023), 125–33
Asrulla, Risnita, M. S Jailani, and Firdaus Jeka, ‘Populasi Dan Sampling (Kuantitatif), Serta Pemilihan Informan Kunci (Kualitatif) Dalam Pendekatan Praktis’, Jurnal Pendidikan Tambusai, 7.3 (2023), 26320–32
Baiq Kalsum Sulastri, ‘Persepsi Masyarakat Muslim Desa Pengembur Terhadap Keberadaan Bank Syariah Kab. Lombok Tengah’, Uinmataram.Ac.Id, 2021
Cahyono, Andi, ‘Analisis Pembiayaan Kpr Menggunakan Akad Musyarakah MUTANAQISAH DI BANK SYARIAH INDONESIA KC. BENGKULU S. PARMAN 2’, SNPPM (Seminar Nasional Penelitian Dan Pengabdian Kepada Masyarakat), 2022, 192–97
Cahyono, Andi, Erwin Saputra Siregar, and Asiah Wati, ‘Peran Bank Syariah Pada Masa Pandemi Covid-19’, Al-Intaj : Jurnal Ekonomi Dan Perbankan Syariah, 7.2 (2021), 198
Fauziah, Salma, Jalaludin Jalaludin, and Ahmad Ali Sopian, ‘Analisis Persepsi Masyarakat Terhadap Perbankan Syariah Di Desa Maracang Kabupaten Purwakarta’, EKSISBANK: Ekonomi Syariah Dan Bisnis Perbankan, 6.1 (2022), 58–68
Jamil, S. Hikmah, Eva Yuliyana, Eva Yuliyana, and Sulistyawati, ‘Persepsi Masyarakat Terhadap Bank Syariah’, Al-Musthofa: Journal of Sharia Economics, 5.2 (2022), 155–71
Khusna, Natiqotul, and Versiandika Yudha Pratama, ‘Persepsi Masyarakat Mengenai Kesyariahan Perbankan Syariah Terhadap Preferensi Menjadi Nasabah Bank Syariah’, Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen Dan Kewirausahaan, 1.2 (2021), 310–22
Mohammad ’Azam Izzuddin, and Ikaputra, ‘Karakter Pecinan Pada Kawasan Bekas Pusat Pusat Perdagangan Kampung Malabero Kota Bengkulu’, SARGA: Journal of Architecture and Urbanism, 18.1 (2024), 61–72
Rhomadoni, Siti, and Khairan, ‘Persepsi Masyarakat Terhadap Produk Perbankan Syariah Di Bandar Lor Kota Kediri’, Jurnal At-Tamwil: Kajian Ekonomi Syariah, 4.2 (2022), 185–201
Sari, masita putri, ‘Persepsi Masyarakat Terhadap Perbankan Syariah (Studi Komparatif Masyarakat Urban Dan Masyarakat Rural Di Kelurahan Pelabuhan Baru Dan Desa Kayu Manis)’, 49–51 (2019), 1–3
Setiawan, Romi Adetio, ‘Avoidance of Riba-Based Loans and Enhancement of Quality of Life: An Indonesian Context Analysis’, Religions, 14.11 (2023)
Bengkulu, Tribun, ‘Kampung Cina Bengkulu, Sejarah Dan Asal Usul Etnis Cina Di Bumi Rafflesia’, TribunBengkulu.Com
Feraro, Alwin, ‘Kampung Cina Bengkulu. Wisata Sejarah Tak Terlupakan’, Bengkulu News, 2021
Tribun, Bengkulu, ‘Kampung Cina Kota Bengkulu, Sejarah Dan Asal Usul Etnis Cina Di Bumi Raflesia’, TribunBengkulu.Com, 2023
Anton, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Haikel, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Herlina, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Herman, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Nursil, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Raysha Namira Anjani, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Rizal, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Rudy, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Sanjaya, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Sion, ‘Wawancara Tentang Persepsi Masyarkat Etnis-Cina Non Muslim Terhadap Perbankan Syariah’ (Kampung Cina Kota Bengkulu, 2025)
Copyright (c) 2025 Faishal Rifqi Maycelino

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
The authors who publish in the journal agree to the following terms:
- The authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- The authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- The authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
- The authors warrant that the article is original, written by stated author(s), has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third-party rights, and that any necessary written permissions to quote from other sources have been obtained by the author(s).
Jurnal Ekonomi dan Bisnis Manajemen Syariah (SEMB-J), Yayasan Darussalam Bengkulu is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License. Based on a work at https://siducat.org/index.php/sembj/.