The Overview of Cultural Background of Minangkabau and Chinese Customers in Padang, West Sumatra

The objectives of the research are to analysis the cultural background between Minangkabau and Chinese customers to using the financial products. An analysis technique is used consisted of descriptive analysis. The study shows that there was the Minangkabau’s enterprising attitude has been imminent since the colonial epoch, but has not grown to be as strong as the Chinese. Financial product consumption still characterizes the way they support their business effort. On the contrary, the quanxi and quanxiwang systems are strong among the Chinese.