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Islamic Banking Segmentation in Indonesia: The Relationship between Demographic and Consumer Benefit (Ocktora R.)

Competition and Market Power Islamic Banking

Abstract Islamic banking industry in Indonesia has developed quite rapidly in last decade. Nowadays, the Islamic bank only used differentiation strategy in order to compete with conventional bank, that is free of riba. To be able to compete between Islamic banks, they need to have appropriate segmentation strategy. There are two segmentation strategy that can be use by Islamic bank, benefit segmentation and demographic segmentation.

This research is used Wedel and Kamakura (1998) segmentation based. The demographic segmentation is included in observable product specific based. And the benefit segmentation is included in unobservable product specific based.

The objective of this research is to observe the relationship between demographic and benefit of Islamic bank costumer. Before that, the desire consumer benefit must be found. Factor analysis and cluster analysis are used to make the benefit segmentation. Then chi square test are used to find the relationship between these two variables. This research is conducted in Yogyakarta, Indonesia. The result is only age and occupation that have relation with the benefit segmentation.
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Libref/ Ocktora R. (2008) "Islamic Banking Segmentation in Indonesia: The Relationship between Demographic and Consumer Benefit", Journal of Islamic Business and Economics, Vol. 2, No. 2, 2008, pp. 1 - 21
© Программирование — Александр Красильников, 2008
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