Public trust in Islamic banking products and services in a post-conflict and post-disaster transitional region: a case study of Bank Aceh Syariah, Bireuen branch
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Published:
Aug 30, 2026
Keywords:
Institutional Resilience, Islamic Banking, Post-Conflict and Post-Disaster, Public Trust, Syariah Compliance
Section
Economy
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Abstract
Public trust is the foundation of financial stability, yet little is known about how trust in Islamic banking forms in regions recovering from conflict and disaster. Most research focuses on stable settings, rarely combining institutional resilience, crisis response, and Shariah values in one framework. This study addresses this gap by examining trust drivers at Bank Aceh Syariah Bireuen Branch—an area emerging from 30 years of conflict and still prone to natural hazards. Drawing on Signaling Theory, Social Exchange Theory, and Maq??id al-Shar??ah, it tests how Shariah compliance, service quality, governance, digital banking, and post-crisis responsiveness shape trust. Data from 320 customers were analyzed via PLS-SEM. Shariah compliance (? = 0.312, p < 0.001), service quality (? = 0.278, p < 0.01), and post-crisis responsiveness (? = 0.245, p < 0.01) are the strongest predictors; governance and digital quality also have positive effects. Uniquely, this work integrates post-disaster responsiveness into Islamic banking trust research. It advances trust theory for fragile contexts and provides actionable guidance for banks and regulators building resilience and inclusion in post-crisis regions.
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Bariah, C. . and Abdurrahman, D. . (2026) “Public trust in Islamic banking products and services in a post-conflict and post-disaster transitional region: a case study of Bank Aceh Syariah, Bireuen branch”, Jurnal Mantik, 10(2), pp. 564-573. Available at: https://iocscience.org/ejournal/index.php/mantik/article/view/7345 (Accessed: 30August2026).
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Zouari & Abdelhedi. (2021). Customer satisfaction in the digital era: evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1), 9.
Afifah & Kurniawati. (2021). Influence of service quality dimensions of Islamic banks on customer satisfaction and their impact on customer loyalty. Journal of Islamic Economic Laws, 4(2), 105–136.
Ahmed et al. (2022). The impact of Islamic Shariah compliance on customer satisfaction in Islamic banking services: mediating role of service quality. Journal of Islamic Marketing, 13(9), 1829-1842.
Alabi & Jelili. (2023). Clarifying likert scale misconceptions for improved application in urban studies. . Quality & Quantity,, 57(2), 1337-1350.
Alam & Miah. (2024). Do Islamic banks use institutional theory in the light of Shariah governance? Empirical evidence from a Muslim dominant country. Journal of Islamic Marketing,, Journal of Islamic Marketing,.
Amani. (2024). Love thinketh no evil: mediation role of brand love on consumer religiosity and consumer forgiveness in Tanzanian Islamic banking. Journal of Islamic Marketing, 15(4), 1035-1053.
Asnawi et al. (2010). The role of service quality within Indonesian customers satisfaction and loyalty and its impact on Islamic banks. Journal of Islamic Marketing, 11(1), 192-212.
Bougie & Sekaran. (2025). Research Methods for Business, with eBook Access Code: A Skill Building Approach. New Jersey: john wiley & sons.
Creswell & Creswell. (Creswell, J. W., & Creswell, J. D. (2017). Research design: Qualitative, quantitative, and mixed methods approaches. Sage publications.). Research design: Qualitative, quantitative, and mixed methods approaches. Sage publications.
Cruchinho et al. (2024). Translation, cross-cultural adaptation, and validation of measurement instruments: a practical guideline for novice researchers. Journal of Multidisciplinary Healthcare, 2701-2728.
Dandis et al. (2021). Enhancing consumers' self-reported loyalty intentions in Islamic banks:. Cogent Busines.
Gokmenoglu & Amir. (2021). The impact of perceived fairness and trustworthiness on customer trust within the banking sector. Journal of Relationship Marketing, 20(3), 241-260.
Hassan et al. (2022). Ten years of the journal of Islamic marketing: a bibliometric analysis. Journal of Islamic Marketing, 13(10), 2047-2068.
Henseler et al. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the academy of marketing science, 43(1), 115-135.
Jafarpour & Ramkissoon. (2024). Developing a conservation behaviour scale for understanding birdwatchers’ behaviour towards birds. Journal of Ecotourism, 23(4), 539-562.
Kock. (2017). WarpPLS user manual: Version 6.0. ScriptWarp . ScriptWarp Systems: Laredo, TX, USA, 141, 47-60.
Koronis & Ponis. (2018). Better than before: the resilient organization in crisis mode. . Journal of Business Strategy, 39(1), 32-42.
Leguina. (2015). A primer on partial least squares structural equation modeling. PLS-SEM.
Maulana et al. (2024). Islamic banking services for communities and families in Aceh Province post closure of conventional banks: A comprehensive review. El-Usrah. El-Usrah: Jurnal Hukum Keluarga,, 7(2), 903-9.
Mead. (2022). Disaster risk reduction in an unstable world. . International Institute for Sustainable Development, 1-10.
Mubarrok et al. (2022). A bibliometric analysis of Islamic marketing studies in the “journal of Islamic marketing. Journal of Islamic Marketing, 13(4), 933-955.
Podsakoff et al. (2012). Sources of method bias in social science research and recommendations on how to control it. Podsakoff, P. M., MacKenzie, S. B., & Podsakoff, N. P. (2012). Sources of method bias in social science research and recommendations on how to control it. Annual review of psychology, 63(1), 539-569.
Sarstedt et al.,. (2021). Sarstedt, M., Ringle, C. M., & Hair, J. F. (2021). Partial least squares structural equation modeling. In Handbook of market research (pp. 587-632). Cham: Springer International Publishing.
Shmueli et al. (2019). Predictive model assessment in PLS-SEM: guidelines for using PLSpredict. European journal of marketing, 53(11), 2322-2347.
Syahbandir et al. (2021). Bridging Aceh’s disaster risk reduction strategies within the 2005 Aceh peace agreement (Helsinki MoU) agendas. In IOP Conference Series: Earth and Environmental Science , 1, p. 012031).
Tabachnick et al. (2019). Using multivariate statistics (Vol. 6, pp. 497-516). Published online.
Thomas et al. (2019). Explaining differential vulnerability to climate change review. Wiley interdisciplinary reviews: Climate change, 10(2), e565.
Wahyudi et al. (2025). Dynamics of growth and stability in the Islamic financial services industry on ECA, GCC, MENA, SSA, and EAP. International Journal of Economics and Financial Issues, 15(3), 448.
Zouari & Abdelhedi. (2021). Customer satisfaction in the digital era: evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1), 9.
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