Similarity of Identifying the Factors Determining of Muslim's Intention to Adopt Islamic Banking in Local Region: Religiosity as Moderating Variables

Isnurhadi, Isnurhadi and Wahab, Zakaria and Muthia, Fida and Bashir, Abdul (2023) Similarity of Identifying the Factors Determining of Muslim's Intention to Adopt Islamic Banking in Local Region: Religiosity as Moderating Variables. Turnitin Universitas Sriwijaya, Humanities & Social Sciences Reviews.

Preview	Text Identifying_the_Factors_Determining_of_Muslim_s_In.pdf - Accepted Version Download (1MB) | Preview
Preview	Text Isnurhadi, Identifying the Factors Determining of Muslim's Intention to Adopt Islamic Banking in Local Region Religiosity as Moderating Variables, Manajemen.pdf - Published Version Download (575kB) | Preview
	Text hssr.2020.8255 - Published Version Download (86kB)

Abstract

Purpose of the study: This paper investigates factors that influence the Muslims’ intention to adopt Islamic banking and to examine whether religiosity moderates the effect of those factors toward the Muslim's intention to adopt Islamic banking in South Sumatera. Methodology: Primary data collected from six towns/districts in South Sumatera are obtained through questionnaires with the total respondents of 300. Using multiple regression analysis, we test whether attitude, social influence, bank reputation, and compliance on Islamic principles can affect the Muslims’ intention in using Islamic banking. Main Findings: We further crosscheck our findings through an interview with some of the respondents. We find that attitude, reputation, and compliance affect the intention to adopt Islamic banking significantly, whereas social influence is found to be insignificant. Our further finding explains that religiosity, which is represented by the dimension of Syariah and Ahlaq, cannot moderate the effect of an independent variable on the dependent variable. Implications of this study: This implies that in increasing Islamic bank market share, managers of Islamic banks and also government cannot solely depend on religious factors. Our findings give insights to practitioners and regulators on what factors can affect Muslims’ intention to use Islamic banking. Novelty/Originality of this study: This study contributes as it extends the existing literature, any factors influencing the interest and intention of the Muslim community to adopt sharia banking as their banking activities. Some studies look at the direct effect of religiosity toward Islamic banking, however, it is different from previous studies because we put religiosity as a moderating variable.

Item Type:	Other
Subjects:	H Social Sciences > HG Finance > HG4001-4285 Finance management. Business finance. Corporation finance
Divisions:	01-Faculty of Economics > 61001-Management (S3)
Depositing User:	Ph.D Isnurhadi Isnurhadi
Date Deposited:	06 Apr 2023 13:02
Last Modified:	06 Apr 2023 13:02
URI:	http://repository.unsri.ac.id/id/eprint/77597

Actions (login required)

View Item