Customers’ Perception of the Use of Arabic Terminology in Sharia Banking Products
Abstract
Sharia banking as an Islamic financial institution was founded as the response to conventional banking. The response was realized with the spirit of providing different services and performance (sharia compliance) with those offered by conventional banks. One of these differences can be seen from the use of Arabic (fiqh) terms in various Islamic banking products. However, as an Islamic financial institution established in the midst of heterogeneous communities, the use of these terms could be problematic. This on-going research aims to investigate the perception of sharia banking customers in Medan on the use of Arabic (fiqh) terminology in its products. A qualitative approach using questionnaire and interview as the instruments of data collection is applied in this study. The interim results show that most of the customers do not oppose the use of Arabic terms in Islamic banking products, however they also show a lack of understanding of the terms used. Based on these findings, this study offers two possible recommendation; first, it is necessary to socialize and educate the customers of the Arabic terms in the Islamic banking products. Two, if the customers find them difficult to understand, it is suggested that the terms are replaced by more familiar ones in the banking world while maintaining its sharia substance.
Keywords: Arabic terminology, Islamic banking, customer, perception, sharia.
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