Analisis Determinan Intensi Nasabah dalam Memilih Perbankan Syariah di Kota Balikpapan: Dampak Pembangunan Ibu Kota Nusantara (IKN) sebagai Variabel Moderasi: Determinant Analysis of Customer Intention in Choosing Islamic Banking in Balikpapan City: The Impact of Nusantara Capital City (IKN) Development as a Moderating Variable

Mahsun Mahsun; Bambang Jati Kusuma; Ferdy Novri; Husnul Muamilah; Febby Rio Pratama Syarif

doi:10.24260/jkubs.v5i2.6212

Authors

Mahsun Politeknik Negeri Balikpapan
Bambang Jati Kusuma Politeknik Negeri Balikpapan
Ferdy Novri Politeknik Negeri Balikpapan
Husnul Muamilah Politeknik Negeri Balikpapan
Febby Rio Pratama Syarif Politeknik Negeri Balikpapan

DOI:

https://doi.org/10.24260/jkubs.v5i2.6212

Keywords:

Islamic Banking, Trust, Perceived Ease of Use, Economic Accessibility New Capital City (IKN)

Abstract

Purpose: This study aims to analyze the determinants of customer intention to choose Islamic banking in Balikpapan. Specifically, it examines the influence of perceived ease of use, trust, and economic accessibility on customer intention, while investigating the role of the New Capital City (IKN) development as a moderating variable that strengthens these relationships.

Design/methodology/approach: This research employs a quantitative approach with a causal-explanatory design. Data were collected from 150 respondents in Balikpapan using a purposive sampling technique. The primary instrument is a structured questionnaire measured on a 5-point Likert scale. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.1.1.8 software to test both direct effects and the interaction effects of the moderating variable.

Research Findings: The results of the study indicate that perceived ease of use, trust, and economic accessibility do not have a significant influence on customer intentions to choose Islamic banking. Crucially, the findings also reveal that the impact of the Nusantara Capital City (IKN) development is not proven to be a significant moderating variable within this model. The momentum of the IKN development fails to act as an accelerator in strengthening the effects of ease of use, trust, or economic accessibility on public interest. This phenomenon implies that amidst the regional economic transformation, customer decisions in the hub city tend to be independent and stable, whereby their intention to choose Islamic banking is dominated by personal considerations that are not easily intervened by the macro-dynamics of the current physical development of IKN.

Contribution/Originality/Novelty: This study contributes to the literature on Islamic banking by integrating macro-environmental changes (capital city relocation) as a moderating factor in consumer behavior models. The novelty lies in the contextualization of the research in Balikpapan as a supporting city for IKN, providing strategic insights for Islamic financial institutions to capitalize on the IKN momentum through digitalization and Sharia-compliant branding to increase market share in the new economic era.

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