Indonesian Islamic Banking Consumer Behavior: What Do Not We Realize?

The Islamic financial system in Indonesia has been internationally assessed as one of the most complete Islamic financial system in the world. However, there are heavy challenges within the efforts of improving the Islamic finance in the country. One of these heavy challenges lies in the creation of customer base. In the same time, the creation of demand from the Islamic financial system should be given attention by all actors in the Islamic financial service sector, recalling the presence of increasing people with middle-class income background in the country that has been dominated by the Moslems (Edy, advisor of OJK in infobanknews.com, 2017). Indonesia is one of the countries with the highest figure of Moslem people; in fact, most of the Indonesian people embrace Islamism as their religion. The implication is that from the existing religions in Indonesia Islam has been the dominant religion (www.bps.go.id).DOI: 10.7176/EJBM/11-29-03 Publication date:October 31st 2019