The Role of Local Wisdom in Enhancing Trust in Islamic Banking: A Literature Review
Abstract
In the banking industry, customer trust is very important, especially in Islamic banking, which is based on justice and adherence to Islamic values. Local wisdom builds trust through the strengthening of cultural identity and the application of social values that align with Sharia principles. The objective of this research is to study how local wisdom contributes to the increase in customer trust towards Islamic banking. The research method uses a qualitative approach based on literature studies and analysis of previous research. The research results offer an integrative approach that optimizes local values in marketing strategies and corporate social responsibility (CSR) to enhance the image and reputation of Islamic banking.
References
Abdelmonaïm Abourrig. (2021). Social influence in Predicting Islamic banking acceptance: Evidence from Morocco. https://doi.org/10.5281/ZENODO.4641472
Abror, A., Patrisia, D., Engriani, Y., Idris, I., & Dastgir, S. (2022). Islamic bank trust: The roles of religiosity, perceived value and satisfaction. Asia Pacific Journal of Marketing and Logistics, 34(2), 368–384. https://doi.org/10.1108/APJML-10-2020-0715
Afdhal, Ashari, D. R. W., Rukmana, A. Y., Rinusara, N. M., Budiman, Waskita, G. S., Nugroho, L., Sari, R. L., Alfian, Setiyowati, A., Wattimena, A. N., Citaningati, P. R., & Citaningati., A., Denny Rakhmad Widi Ashari, Arief Yanto Rukmana, Novita Mukti Rinusara, Budiman, Gautama Sastra Waskita, Lucky Nugroho. ,. Risti Lia Sari, Alfian, Arin Setiyowati, Anastazia Niatri Wattimena, Putri Rizka. (2024). Ekonomi Pembangunan Syariah. Get Press Indonesia.
Ahmad, A. S., & Wan Ahmad, W. M. (2020). Financial literacy among Malaysian Muslim undergraduates. Journal of Islamic Accounting and Business Research, 11(8), 1515–1529. https://doi.org/10.1108/JIABR-10-2017-0149
Al Haris, M. B., & Ashari, D. R. W. (2023). Dampak Kebijakan OJK Restrukturisasi Terhadap Lembaga Jasa Keuangan Kediri Raya Di Masa Pandemi Covid-19. LP2M Universitas Nahdlatul Ulama Blitar, 1(1), 16–29.
Albaity, M., & Rahman, M. (2021). Customer Loyalty towards Islamic Banks: The Mediating Role of Trust and Attitude. Sustainability, 13(19), 10758. https://doi.org/10.3390/su131910758
Alhammadi, S., Alotaibi, K. O., & Hakam, D. F. (2022). Analysing Islamic banking ethical performance from Maqāṣid al-Sharī‘ah perspective: Evidence from Indonesia. Journal of Sustainable Finance & Investment, 12(4), 1171–1193. https://doi.org/10.1080/20430795.2020.1848179
Ashari, D. R. W. (2018). Penggunaan Teknologi RWD (Responsive Web Design) Sebagai Sarana Peningkatan Penjualan Studi Pada CV. Santoso Tennis Court Tulungagung. Proceeding of Conference on Contemporary Issues in Philosophy and New Islamic Civilization (CCI-PHONIC), 1(1), 230.
Ashari, D. R. W. (2019). Strategi Pemasaran Syariah Dengan Menggunakan Media E-Commerce Untuk Meningkatkan Penjualan [UIN SATU Tulungagung]. http://repo.uinsatu.ac.id/25369/
Ashari, D. R. W. (2023a). 9.3 Strategi Pemasaran Produk Konsumen di Pasar Global. In Strategi Pemasaran (p. 184). Get Press Indonesia.
Ashari, D. R. W. (2023b). Mitos dan Realitas Tentang Perbankan Syariah: Mengungkap Fakta Yang Sebenarnya. In Studi Islam Kontemporer (Vol. 1, pp. 91–106). Cakrawala Satria Mandiri.
Ashari, D. R. W. (2023c). Strategi Pemasaran Produk Konsumen di Pasar Global. In Strategi Pemasaran (p. 184). Global Eksekutif Teknologi.
Ashari, D. R. W., Haris, M. B. A., Rifa’i, A., & Hidayati, A. (2023). Persepsi Masyarakat Terhadap Mitos dan Fakta Perbankan Syariah. SINDA: Comprehensive Journal of Islamic Social Studies, 3(2), Article 2. https://doi.org/10.28926/sinda.v3i2.1178
Ashari, D. R. W., Hidayati, A., Al Haris, M. B., Wulandari, F. E., Purwanto, M. A., Izzah, S., Novilia, E., Rifa’i, A., Pambudi, S., & Patimah, S. (2023). Manajemen Pembiayaan Bank Syariah. Get Press Indonesia.
Ashari, D. R. W., Meutia, T., Dasila, R., Syaputra, H., Surachman, A., Mukhlisiah, R., Bangsawan, A., Agustina, A., Syachbrani, W., Annas, M., Alkam, R., Ridwan, R., Saffanah, N., Chakim, M., Ryketeng, M., Bahri, N., & Edy, S. (2025). Dasar-Dasar Auditing. Sada Kurnia Pustaka.
Ashari, D. R. W., Zaelani, R., Muktamar, A., Hermina, U. N., Purnomo, D. A., Prastowo, K., Widiana, I. N. W., Siswanto, & Wahyani, W. (2024). Asas—Asas Manajemen (1st ed.). Get Press Indonesia.
Ashari, D. R. W., Zulkarnain, M., Pardiansyah, E., Rofiq, N., Natsir, I., Syamsiyah, N., & Dahliana, D. (2025). Ekonomi Mikro Islam 2. Get Press Indonesia.
Ashari, D. R. Wi., Nurchayati, Sundari, A., & Lailiyah, E. H. (2025). Manajemen Resiko (1st ed., Vol. 1). Get Press Indonesia.
Ashraf, S., Robson, J., & Sekhon, Y. (2015). Consumer trust and confidence in the compliance of Islamic banks. Journal of Financial Services Marketing, 20(2), 133–144. https://doi.org/10.1057/fsm.2015.8
Atirah, A., & Hasan, M. (2020). Pola Pendidikan Ekonomi Masyarakat Nelayan Pesisir Danau yang Terintegrasi dalam Kearifan Lokal Sipakatau’. Jurnal Inovasi Pendidikan Ekonomi (JIPE), 10(1), 18. https://doi.org/10.24036/011080400
Bitar, M., Hassan, M. K., & Saad, W. (2020). Culture and the capital–performance nexus in dual banking systems. Economic Modelling, 87, 34–58. https://doi.org/10.1016/j.econmod.2019.07.003
Chen, C.-L. (2020). Cross-disciplinary innovations by Taiwanese manufacturing SMEs in the context of Industry 4.0. Journal of Manufacturing Technology Management, 31(6), 1145–1168. https://doi.org/10.1108/JMTM-08-2019-0301
Chwialkowska, A., Bhatti, W. A., & Glowik, M. (2020). The influence of cultural values on pro-environmental behavior. Journal of Cleaner Production, 268, 122305. https://doi.org/10.1016/j.jclepro.2020.122305
Faridy, N., Syaputra, H., Eldon, M., Sangadah, H., Mulyati, Ashari, D. R. W., Ridwan, R., Azizah, N., Noerhatini, P., Jannah, M., Ikraman, Ardhiansyah, Chakim, M., Hakim, A., Nasution, I., Annas, M., Susanto, S., Rachmadi, K., & Pustaka, S. (2025). Strategi Pemasaran Digital. Sada Kurnia Pustaka.
Frandika Situmorang, Eza Syahbana, Jeane Alisya, & Hasyim Hasyim. (2024). Membangun Kepercayaan Masyarakat Terhadap Bank Syariah: Sebuah Tinjauan Literatur Tentang Strategi dan Tantangan. Ekonomi Keuangan Syariah Dan Akuntansi Pajak, 1(3), 163–177. https://doi.org/10.61132/eksap.v1i3.215
Gregory, P. Am., & Austin, Z. (2021). How do patients develop trust in community pharmacists? Research in Social and Administrative Pharmacy, 17(5), 911–920. https://doi.org/10.1016/j.sapharm.2020.07.023
Guo, G., Li, Y., & Zhong, C. (2022). The influence of brand cultural marketing on consumers’ willingness to participate in value co-creation. 2022 13th International Conference on E-Business, Management and Economics, 110–115. https://doi.org/10.1145/3556089.3556169
Hadi, S. (1993). Metodologi research jilid I: Vol. Cet. Ke-24. Andi offset.
Hamidi, L., & Worthington, A. C. (2021). How social is Islamic banking? Society and Business Review, 16(1), 51–70. https://doi.org/10.1108/SBR-03-2020-0036
Haris, M. B. A., Ashari, D. R. W., & Rifa’i, A. (2023). Strategi Manajemen Pemasaran Syariah pada BPR Arsindo Kediri di Era Disrupsi. SINDA: Comprehensive Journal of Islamic Social Studies, 3(2), Article 2. https://doi.org/10.28926/sinda.v3i2.1086
Haron, R., Abdul Subar, N., & Ibrahim, K. (2020). Service quality of Islamic banks: Satisfaction, loyalty and the mediating role of trust. Islamic Economic Studies, 28(1), 3–23. https://doi.org/10.1108/IES-12-2019-0041
Hasan, G., Jasfar, F., & Kristaung, R. (2020). Effect of Develop Strategy, Ethical Climate, on Quality Service to Customer Experience With Local Wisdom as a Moderating Variable. Proceedings of the International Conference on Management, Accounting, and Economy (ICMAE 2020). International Conference on Management, Accounting, and Economy (ICMAE 2020), Jakarta, Indonesia. https://doi.org/10.2991/aebmr.k.200915.018
Islam, T., Islam, R., Pitafi, A. H., Xiaobei, L., Rehmani, M., Irfan, M., & Mubarak, M. S. (2021). The impact of corporate social responsibility on customer loyalty: The mediating role of corporate reputation, customer satisfaction, and trust. Sustainable Production and Consumption, 25, 123–135. https://doi.org/10.1016/j.spc.2020.07.019
Juwariyah, T., Ashari, D. R. W., Priyanto, A., Wahyuningsih, D., & Santoso, E. (2024). Ecoprint Trainning for Cadres and People with Mental Disorders Families. Journal of Community Service for Health, 5(2), 049–055. https://doi.org/10.26699/jcsh.v5i2.1170
Mardalis. (2006). Metode Penelitian: Suatu pendekatan proposal (Cet. 8). Bumi aksara.
Meilatinova, N. (2021). Social commerce: Factors affecting customer repurchase and word-of-mouth intentions. International Journal of Information Management, 57, 102300. https://doi.org/10.1016/j.ijinfomgt.2020.102300
Molinillo, S., Anaya-Sánchez, R., & Liébana-Cabanillas, F. (2020). Analyzing the effect of social support and community factors on customer engagement and its impact on loyalty behaviors toward social commerce websites. Computers in Human Behavior, 108, 105980. https://doi.org/10.1016/j.chb.2019.04.004
Muflih, M. (2021). The link between corporate social responsibility and customer loyalty: Empirical evidence from the Islamic banking industry. Journal of Retailing and Consumer Services, 61, 102558. https://doi.org/10.1016/j.jretconser.2021.102558
Oh Se jong, S. J. (2020). A Study on the Value Factors of Culture Consumers for Corporate Culture Marketing through Big Data Techniques. The Journal of the Convergence on Culture Technology, 6(1), 31–36. https://doi.org/10.17703/JCCT.2020.6.1.31
Pop, R.-A., Săplăcan, Z., Dabija, D.-C., & Alt, M.-A. (2022). The impact of social media influencers on travel decisions: The role of trust in consumer decision journey. Current Issues in Tourism, 25(5), 823–843. https://doi.org/10.1080/13683500.2021.1895729
Qin, L. (2020). A Cross-Cultural Study of Interpersonal Trust in Social Commerce. Journal of Computer Information Systems, 60(1), 26–33. https://doi.org/10.1080/08874417.2017.1383865
Rachmat, Z., Jauhar, N., Januardani, F. D., Warpindyastuti, L. D., Sudirjo, F., Fauzan, R., Haryanti, I., Ekopriyono, A., & Ashari, D. R. W. (2023). Strategi Pemasaran. Global Eksekutif Teknologi.
Rachmat, Z., Rukmana, A. Y., Nurendah, Y., Ashari, D. R. W., Donoriyanto, D. S., Bait, J. F., Alfakihuddin, M. L. B., Eldon, M., Utami, A. R., & Subianto, B. (2023). Strategi Bisnis Digital Dan Implementasinya. Get Press Indonesia.
Rahmadina, D. S., Suratman, Damayanti, F., Ashari, D. R. W., & Triandri, U. (2024). The Influence of Work Ethics on Employee Performance with Work Culture as a Moderating Variable. International Journal of Economic Literature, 2(11), Article 11.
Rifa’i, A., Ashari, D. R. W., Haris, M. B. A., Pambudi, S., & Waskita, G. S. (2024). Peran Pesantren Dalam Mengembangkan Ekonomi Islam. SINDA: Comprehensive Journal of Islamic Social Studies, 4(1), Article 1. https://doi.org/10.28926/sinda.v4i1.1420
Rizvi, S. A. R., Narayan, P. K., Sakti, A., & Syarifuddin, F. (2020). Role of Islamic banks in Indonesian banking industry: An empirical exploration. Pacific-Basin Finance Journal, 62, 101117. https://doi.org/10.1016/j.pacfin.2019.02.002
Rosmanidar, E., Hadi, A. A. A., & Ahsan, M. (2021). Islamic Banking Performance Measurement: A Conceptual Review of Two Decades. International Journal of Islamic Banking and Finance Research, 5(1), 16–33. https://doi.org/10.46281/ijibfr.v5i1.1056
Sekarlangit, N., & Devi S., L. V. R. (2020). Architecture Branding in a Local Wisdom Based on Tourism Development 4.0 in Bali. Undagi : Jurnal Ilmiah Jurusan Arsitektur Universitas Warmadewa, 7(2), 56–65. https://doi.org/10.22225/undagi.7.2.1564.153-162
Shofwan, A. M., Arifin, M., Muttaqin, A., Rohman, M., Ihsani, A. F. A., Laili, A., Farantika, D., Aulia, H., Ashari, D. R. W., Haris, M. B. A., & Rifa’i, A. (2024). Character Building Sebuah Tinjauan Berbagai Aspek (Vol. 1). PT. Insan Cendekia Mandiri Group.
Shofwan, A. M., Lestariningsih, Arifin, M., Saifudin, A., Hakim, M. H., & Ashari, D. R. W. (2025). Inovasi membangun perguruan tinggi berdaya saing. Insan Cendekia Mandiri Group.
Sholihin, M. R., & Abrori, I. (2021). Sharia Marketing and Employee Intelligence on Public Trust in Indonesian Islamic Banking. Wiga : Jurnal Penelitian Ilmu Ekonomi, 11(1), 12–18. https://doi.org/10.30741/wiga.v11i1.428
Susilowati, E., Permadi, A., & Sholihah, F. D. (2023). Studi Islam Kontemporer Ekonomi Syariah, Perbankan Syariah, Hukum Keluarga Islam, Ilmu Al-Quran dan Tafsir. Cakrawala Satria Mandiri.
Tanjung, I. S., Tanjung, H., & Wibowo, Y. S. (2021). Development of Tourism Communication Model Based on Local Wisdom in Padangsidimpuan. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 4(4), 9877–9885.
Tasnia, M., Syed Jafaar Alhabshi, S. M., & Rosman, R. (2023). Corporate social responsibility and Islamic and conventional banks performance: A systematic review and future research agenda. Journal of Sustainable Finance & Investment, 13(4), 1711–1731. https://doi.org/10.1080/20430795.2021.1922063
Tina, A., Siagian, A. O., Ashari, D. R. W., Darmawan, I. M. D. H., Permana, A. A., Kustina, K. T., Suyatna, N., & Prayanthi, I. (2023). Sistem Informasi Akuntansi Dan Bisnis. Get Press Indonesia.
Utami, A., Ashari, D. R. W., Muchsin, S., Afiffudin, A., & Hidayat, M. S. (2024). The Role Of Leadership in Human Resources Management in the Digital Government Era. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 8(1), Article 1. https://doi.org/10.31538/iijse.v8i1.5233
Wararat Watthanachanobon. (2020). A Local Wisdom Knowledge Management Model to Enhance Economic Value Added for Textile Products of Thai-Yuan Ethnic Groups in Mid-Central Provincial Cluster. Journal of Community Development Research (Humanities and Social Sciences), 13, 924. https://doi.org/10.14456/JCDR-HS.2020.32
Waskita, G. S., & Ashari, D. R. W. (2024). Building Competitive Advantage through Management Information Systems: A Managerial Perspective in the Digital Era. Journal of Economics and Banking ESPAS, 1(1), Article 1. https://doi.org/10.28926/espas.v1i1.800
Waskita, G. S., & Ashari, D. R. W. (2025). Taxation and SMEs in Emerging Markets—Case Study Approach to Compliance, Growth, and Sustainable Development. Journal of Economics and Banking ESPAS, 2(1), Article 1. https://doi.org/10.28926/espas.v2i1.1817
Waskita, G. S., Ashari, D. R. W., Eldon, M., & Utami, A. (2024). From Words to Actions: Exploring How e-WOM Drives Green Consumer Decisions in the Digital Age. SINDA: Comprehensive Journal of Islamic Social Studies, 4(3), Article 3. https://doi.org/10.28926/sinda.v4i3.1750
Waskita, G. S., Ashari, D. R. W., Haris, M. B. A., Rifa’i, A., & Eldon, M. (2024). Integrating Sustainable Development Goals into Coffee Shop Operations: Insights from Kedai Kosim, Indonesia. SINDA: Comprehensive Journal of Islamic Social Studies, 4(3), Article 3. https://doi.org/10.28926/sinda.v4i3.1683
Waskita, G. S., Ashari, D. R. W., Rifa’i, A., & Haris, M. B. A. (2025). Selling in Seconds: A Phenomenological Exploration of Short Video Marketing on Instagram Reels in Entrepreneurial Ventures. International Journal of Economic Literature, 3(3), Article 3.
Wijaya, T., Nasuka, M., & Hidayat, A. (2022). Salesperson ethics behavior as antecedent of Islamic banking customer loyalty. Journal of Islamic Marketing, 13(7), 1535–1550. https://doi.org/10.1108/JIMA-04-2020-0100
Copyright (c) 2025 Journal of Economics and Banking ESPAS
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
