PENGARUH SIKAP, NORMA SUBYEKTIF, PERSEPSI KONTROL PERILAKU, DAN RELIGIOSITAS PADA NIAT MENGGUNAKAN LAYANAN BANK SYARIAH

Fikri Farhan, Yuyun Herdianti Rukmanah, Guruh Ghifar Zalzalah, Adhi Prakosa

Abstract


Bank Syariah merupakan bank perbankan syariah yang menawarkan produk dan layanan kepada nasabah. Meskipun mayoritas penduduk Indonesia beragama Islam namun pangsa pasar bank syariah masih jauh di bawah bank konvensional. Oleh karena itu penelitian bertujuan menguji faktor-faktor yang memengaruhi niat konsumen menabung di bank syariah dengan menggunakan pendekatan Theory of Planned Behavior (TPB). Variabel yang digunakan dalam penelitian ini adalah sikap, norma subjektif, kontrol perilaku dan Religiositas. Penelitian ini dilakukan dengan melibatkan 160 sampel yang didapat dengan menyebarkan kuesioner. Sampel dalam penelitian ini diambil dengan menggunakan teknik purposive sampling. Teknok analisis data yang digunakan dalam penelitian ini adalah partial least squares structural equation modeling (PLS-SEM) dengan menggunakan aplikasi SMART PLS versi 3.2.9. Hasil penelitian menunjukkan sikap, norma subjektif, persepsi kontrol perilaku, dan religiositas berpengaruh positif signifikan pada niat menggunakan bank syariah.

Keywords


Sikap; Niat; Norma Subyektif, Persepsi kontrol perilaku; Religiositas

Full Text:

PDF

References


Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. In Action control: From cognition to behavior (hal. 11–39). Springer.

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T

Ajzen, I. (2005). Attitudes, personality and behaviour. McGraw-hill education (UK).

Amin, H., Rahman, A. R. A., Sondoh, S. L., & Hwa, A. M. C. (2011). Determinants of customers’ intention to use Islamic personal financing: The case of Malaysian Islamic banks. Journal of Islamic Accounting and Business Research, 2(1), 22–42.

Amini, N. H., Muflih, M., & Marwansyah. (2020). The Effect of Religiosity and Financial Considerations on Behavioral Intention toward Islamic Banking Industry: The Mediating Role of Attitude BT - Proceedings of the International Seminar of Science and Applied Technology (ISSAT 2020). 552–559. https://doi.org/10.2991/aer.k.201221.091

Atal, N. U., Iranmanesh, M., Hashim, F., & Foroughi, B. (2020). Drivers of intention to use Murabaha financing: religiosity as moderator. Journal of Islamic Marketing, 13(3), 740–762.

Ayyub, S., Xuhui, W., Asif, M., & Ayyub, R. M. (2020). Determinants of intention to use Islamic banking: A comparative analysis of users and non-users of Islamic banking: evidence from Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 13(1), 147–163.

Bonne, K., Vermeir, I., Bergeaud-Blackler, F., & Verbeke, W. (2007). Determinants of halal meat consumption in France. British Food Journal, 109(5), 367–386. https://doi.org/10.1108/0070700710746786

Bouteraa, M., Chekima, B., Amin, H., Tamma, E., Lada, S., Ansar, R., & Lim, M. F. (2024). Does consumer religiosity matter for green banking adoption? Evidence from a Muslim-majority market. Journal of Islamic Marketing, 15(7), 1807–1823. https://doi.org/10.1108/JIMA-02-2023-0049

Cooper, D. R., & Schindler, P. S. (2014). Business Research Methods (12 ed.). McGraw-Hill.

Faizi, F. (2024). How are Islamic banking products developed? Evidence from emerging country. Cogent Economics & Finance, 12(1), 2378961.

Farhan, F., & Rofi’ulmuiz, M. A. (2021). Religiosity and emotional intelligence on Muslim student learning achievement. International Journal of Evaluation and Research in Education, 10(2), 404–411. https://doi.org/10.11591/ijere.v10i2.20997

Farhan, F., & Sutikno, B. (2022). The Acceptance of Halal Food Products Among Non-Muslim Consumers in Indonesia. Journal of International Food & Agribusiness Marketing, 0(0), 1–22. https://doi.org/10.1080/08974438.2022.2067281

Fisbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Massachusetts, Addison-Wiley Publishing Company.

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (3rd. Ed). Sage publications.

Halid, S. N., Worang, F. G., & Tumewu, F. (2019). Application of Theory Planned Behavior and Influence on Customer’s Intention Adopting Islamic Banking Product. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 7(4).

Jamshed, K. M., & Uluyol, B. (2024). What drives to adopt Islamic banking products and services: is it shariah compliance or convenience? Journal of Islamic Marketing.

Lebdaoui, H., Chetioui, Y., & Harkat, T. (2024). Propensity towards Islamic banking among non-users: a mixed-methods analysis. Journal of Financial Services Marketing, 29(1), 45–66.

Malik, H. B., Akmaludin, I., & Asayesh, H. (2024). The Influence of Sharia Supervisory Board Characteristics on the Financial Performance of Islamic Banks. Journal of Islamic Economics Perspectives, 6(1), 24–46.

Mathras, D., Cohen, A. B., Mandel, N., & Mick, D. G. (2016). The effects of religion on consumer behavior: A conceptual framework and research agenda. In Journal of Consumer Psychology (Vol. 26, Nomor 2, hal. 298–311). https://doi.org/10.1016/j.jcps.2015.08.001

Mindra, R., Bananuka, J., Kaawaase, T., Namaganda, R., & Teko, J. (2022). Attitude and Islamic banking adoption: moderating effects of pricing of conventional bank products and social influence. Journal of Islamic Accounting and Business Research, 13(3), 534–567. https://doi.org/10.1108/JIABR-02-2021-0068

Monoarfa, H., Al Adawiyah, R. A., Prananta, W., Sadat, A. M., & Vakhroh, D. A. (2024). Switching intention of conventional bank customers to Sharia bank based on push-pull-mooring theory. Journal of Islamic Marketing, 15(8), 2104–2121.

Muhammad, N. (2024). Jumlah Penduduk Indonesia Berdasarkan Agama (Semester I 2024). Katada. https://databoks.katadata.co.id/datapublish/2024/08/08/mayoritas-penduduk-indonesia-beragama-islam-pada-semester-i-2024

OJK. (2023). Laporan Perkembangan Keuangan Syariah Indonesia 2023. https://ojk.go.id/id/kanal/syariah/data-dan-statistik/laporan-perkembangan-keuangan-syariah-indonesia/Documents/Laporan Perkembangan Keuangan Syariah Indonesia Tahun 2023.pdf

Pantari, E. D., & Aji, H. M. (2020). Investigating Muslim non-consumers’ intention to use Islamic bank: perceived social value (PSV) and awareness. Jurnal Siasat Bisnis, 24(2), 187–198. https://doi.org/10.20885/jsb.vol24.iss2.art8

Saptasari, K., & Aji, H. M. (2020). Factors affecting Muslim non-customers to use Islamic bank: Religiosity, knowledge, and perceived quality. Jurnal Ekonomi & Keuangan Islam, 165–180.

Wardana, M. A., Rahyuda, I. K., Sukaatmadja, I., & Giantari, I. (2021). Antecedents and consequences of intention to become a customer: A case study of islamic banks in Indonesia. The Journal of Asian Finance, Economics and Business, 8(4), 827–839.




DOI: http://dx.doi.org/10.24042/revenue.v5i2.23824

Refbacks

  • There are currently no refbacks.


View My Stats

Manajemen Bisnis Syariah UIN Raden Intan Lampung