The influence of religiosity and self-efficacy on the saving behavior of the Іslamic banks

Anton Priyo Nugroho · Anas Hidayat · Hadri Kusuma

27 citations0/0 files storedBanks and Bank Systems

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Islamic Finance and Banking Studies Technology Adoption and User Behaviour Halal products and consumer behavior

Abstract

Indonesia is a country with the largest Muslim population in the world. However, since the Islamic banks were being established in Indonesia for about 20 years, their market share only accounts for about 5% in the Indonesian banking system. Muslim participations in using Islamic bank are relatively low. This study expands the Theory of Planned Behavior by adding the variables of religiosity and self-efficacy. Previous studies have not examined this new expanded model to analyze customers who participated in using the saving Islamic bank’s products and services. Based on 220 Islamic bank consumers who participated in the study, the study indicated that questionnaires about religiosity and self-efficacy had good external validity and could be adapted for the Indonesian culture context. The most interesting finding was that the religiosity variable strongly enhanced the use of Islamic banks. Similarly, this study found that the self-efficacy variable improved an intention of customers to participate in the Islamic banking system. This paper also discusses the implications of the findings and recommendations for future studies.

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References

1991The theory of planned behavior 1982Self-efficacy mechanism in human agency.2001Efficacy of the Theory of Planned Behaviour: A meta‐analytic review 1932A technique for measurement of attitudes 1988Attitudes, Personality and Behavior 1982The Self-Efficacy Scale: Construction and Validation 1982Self-Concept in Consumer Behavior: A Critical Review 2002Understanding Relationship Marketing Outcomes

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