Open Journal Systems


Mahmudatus Sa'diyah, Nur Aziroh


This research intends to know the factors that influence the level of customer confidence Muslims mobile banking users in Bank Muamalat Indonesia Holy Branch Office. The sample in this study amounted to 160, which is a mobile banking users in Bank Muamalat Indonesia Holy KCP. Statistical tool used is Structural Equation Modeling (SEM). Data were analyzed using statistical software AMOS 16.0. The results of this study indicate that shared value is a factor that affects customer confidence in mobile banking users, while the communication has not been able to increase customer confidence in mobile banking users and opportunistic behaviors control has not been able to increase the confidence of users of mobile banking.


Al-Hakim, L. 2002. Information Quality Management: Theory and Applications. Hershey: Idea Group Publishing.

Arikunto, Suharsimi. 2010. Prosedur Penelitian Suatu Pendekatan Praktis. Jakarta: Rineka Cipta.

Ba, S. 2001. Establishing Online Trust Through A community Responsibility System. Decision Support System, 31, 336.∼jano/CSCW2004/onlinetrust.pdf

Benassi, P. 1999. TRUSTe: An Online Privacy Seal Program, Communications of The ACM, 4.http://www. proquest. umi. com/ Pqdweb? did= 38634908 & sid = 2& Fmt= 4& clientId =46969&RQT=309&Vname=PQD.

Cooper, Donald R. dan Schindler, Pamela S. 2008. Business research methods, Tenth Editition. Boston: McGraw-Hill International Edition.

Culnan, M.J. and Armstrong, P.K. 1999. Information Privacy Concerns,Procedural Fairness, and Impersonal Trust: An Empirical Investigations,Organization Science

Departemen Agama. 2005. Al-Quran dan Terjamahnya. Bandung: CV Penerbit Diponegoro.

English, L.P. 1999. Improving Data Warehouse and Business Information Quality. New York: John Wiley & Sons.

Gefen, D and Straub, D. 2001. Managing User trust in B2C E-Service.∼ghubona/info790/info790Trust41305Eva ndro.pdf

Hair, Jr., J.F., Anderson, R. E., Tatham, R.L. dan Black, W.C. 1998. Multivariate Data Analysis. Fifth Edition. Prentice-Hall. Inc., New Jersey 07458.

John, G. An Emperical Investigation of Some Antecedent of Opportunism in a Marketing Channel, Journal of marketing research, (21) Agustus, pp. 278

Jones, J.M. & Vijayasarathy, L.R. 1998. Internet consumer catalog shopping: findings from an exploratory study and directions for future research. Internet Research.

pqdWeb?did=117541716&sid=1&Fmt=3&clientId=46969&RQT=309 Vname=PQD.

Lau, G.T and Lee, S.H. 1999. “Customer Trust in Brand Loyalty”, Journal of Market Focused management. No. 4.

Malaga, R.A. 2001. Web-Based Reputation Management Systems: Problems And Suggested Solutions. Electronic Commerce Research, 1, http:// pqdweb?did=528782111&sid=1&Fmt=2&

clientld=46969&RQT=309& Vname= PQD database

Morgan, Robert M. dan Shelby D. Hunt. 1994. The Commitment Trust Theory of Relationship Marketing. Journal of Marketing. Vol. 58. No. 3.

Mukherjee, A. dan Nath, P. 2003. A Model of Trust in Online Relationship Banking, International Journal of Banking.

Novak, T.P., Hoffman, D.L. and Peralta, M. 1999. Building Consumer Trust in Online Environments: The Case for Information Privac, Trust.

Rahardjo, Budi. 2012. Prinsip Keamanan –Security Principles-, (, diakses tanggal 10 Mei 2013.

Shergill, G.S. and Li, B. 2005. Mobile Banking-An Empirical Investigation Of Customer’s Behaviour for online Banking in New Zealand, diunduh di

Swaminathan, V., Lepkowska-White, E. and Rao, B.P. 1999. Browsers or Buyers in Cyberspace? An Investigation of Factors Influencing Electronic Exchange,

Full Text: PDF (Bahasa Indonesia)

DOI: 10.21043/equilibrium.v1i1.202

How To Cite This :

Copyright (c) 2014 Equilibrium: Jurnal Ekonomi Syariah

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.