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研究生: 杜達儒
Azmi, Teuku Dahrul
論文名稱: Factors Affecting Customer’s Switching Behavior:A Segmentation Study of Islamic Bank Customers in Aceh, Indonesia
Factors Affecting Customer’s Switching Behavior:A Segmentation Study of Islamic Bank Customers in Aceh, Indonesia
指導教授: 高如妃
Kao, Ju-Fei
學位類別: 碩士
Master
系所名稱: 管理學院 - 國際經營管理研究所
Institute of International Management
論文出版年: 2015
畢業學年度: 102
語文別: 英文
論文頁數: 104
外文關鍵詞: Satisfaction, Loyalty, Segmentation study, Bank service
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  • Several factors may affect switching behavior from conventional to Islamic banks in Aceh, Indonesia. Analysis to 318 respondents from 6 Islamic banks explained the phenomenon. Using determinant attribute theory with eight factors as independent variable in research methodology, this research aimed to segment the customers based on the reasons and the most important attribute or factor that affect their decision on switching process.
    Using three steps analysis, all customers could divide into 4 clusters. Transaction oriented segment was single female with high school level. They most affected by pricing and select Islamic greeting in Muslim identity nostalgia. General interested segment was affected by all factors from married male with undergraduate level. All 113 peoples prefer to Islamic marketing programs with more Muslim identity in cosmopolitanism construct. Service opposed segment was affected by external factor, 45 single female customers from undergraduate level. Finally, religion oriented cluster most focuses on knowledge factor. They were single male with undergraduate level. They were 101 peoples that gave most appreciate to profit and loss sharing form with Muslim identity in cosmopolitanism construct.
    This segmentation methodology use benefits as the primary basic to segment market. It provides actionable recommendations to the managers, although the data in this study is based on survey. The segmentation methodology can be applied to customer database marketing.

    TABLE OF CONTENTS ABSTRACT I ACKNOLEDGEMENTS II TABLE OF CONTENTS III LIST OF TABLES VI LIST OF FIGURES VII CHAPTER ONE INTRODUCTION 1 1.1 Research Background. 1 1.1.1 Banking in Indonesia. 3 1.1.2 Islamic Banking. 5 1.1.4 Conventional and Islamic Bank during Crisis Period. 8 1.2 Research Motivation. 8 1.3 Research Objective. 9 1.4 Research Contribution. 10 1.5 Research Structure. 10 CHAPTER TWO LITERATURE REVIEW 13 2.1 Switching Intention. 13 2.2 Switching Cost. 14 2.3 Customer Switching. 14 2.4 Switching Behavior. 15 2.4.1 Core Service Failure. 17 2.4.2 Service Encounter Failure. 17 2.4.3 Pricing. 18 2.4.4 Competition. 18 2.4.5 Inconvenience. 19 2.4.6 Involuntary Switching. 19 2.4.7 Religion. 20 2.4.8 Knowledge. 21 2.5 Research Model. 24 2.6 Theory of Study. 24 CHAPTER THREE RESEARCH DESIGN AND METHODOLOGY 26 3.1 Segmentation Study. 26 3.2 The Construct Measurement. 26 3.2.1 Core Service Failure. 26 3.2.2 Service Encounter Failure. 26 3.2.3 Pricing. 27 3.2.4 Competition. 27 3.2.5 Inconvenience. 28 3.2.6 Involuntary Switching. 28 3.2.7 Religion. 29 3.2.8 Knowledge. 29 3.3 Questionnaire Development and Sampling Plan. 30 3.3.1 Data Collection. 32 3.3.2 Characteristic of Respondents. 32 3.4 Data Analysis Procedural. 32 CHAPTER FOUR RESEARCH RESULTS 34 4.1 Descriptive Data Analysis. 34 4.1.1 Characteristics of Respondents. 34 4.1.2 Descriptive Analysis of Questionnaire Items. 35 4.2 Factor Analysis. 42 4.2.1 Core Service Failure. 42 4.2.2 Service Encounter Failure. 43 4.2.3 Pricing. 43 4.2.4 Competition. 44 4.2.5 Inconvenience. 45 4.2.6 Involuntary Switching. 45 4.2.7 Religion. 46 4.2.8 Knowledge. 46 4.3 Reliability and Validity Test. 49 4.4 Cluster Analysis Test. 50 4.5 Univariate Analysis of Variance the 4 Segments on Marketing Programs Offers. 65 4.6 Univariate Analysis of Variance 4 Segments on Cosmopolitanism and Nostalgia. 67 CHAPTER FIVE CONCLUTION AND SUGGESTION 70 5.1 Conclusion. 70 5.2 Managerial Implications and Suggestions. 71 5.3 Limitation and Future Study. 74 REFERENCES 75 APPENDICES 78

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