Determinants to adopt conventional and Islamic banking: evidence from Indonesia

Junaidi, Junaidi; Anwar, Suhardi M.; Alam, Roslina; Lantara, Niniek F; Wicaksono, Ready

doi:10.1108/jima-03-2021-0067

Cited by 25 publications

(32 citation statements)

References 33 publications

(94 reference statements)

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“…Besides, according to Aksoy and Abdulfatai (2019), Bananuka et al (2020), Kipnis et al (2019) and Sadiq and Ahmad (2022), culture and religiosity have a positive effect on Muslim consumers’ preferences. Other scholars argued Islamic brand (Abalkhail, 2021; Jan and Shafiq, 2021; Salehzadeh et al , 2021; Singkheeprapha et al , 2021), consumers’ awareness (Islam and Rahman, 2017), materialism (Islam and Chandrasekaran, 2019; Junaidi et al , 2022; Pratono, 2019; Rahman et al , 2017; Ramazani and Kermani, 2021; Zakaria et al , 2021) and commitment (Junaidi et al , 2021; Tabrani et al , 2018) play an important role to influence Muslim decision to adopt Islamic bank. However, the study of religion in marketing has been the sparse and mixed results, such as religiosity has a positive effect on reducing consumers’ view of materialism in Iran (Ramazani and Kermani, 2021), Indonesia (Pratono, 2019) and Malaysia (Amin, 2020b) and profit-sharing governance (Yaya et al , 2021).…”

Section: Introductionmentioning

confidence: 99%

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Junaidi

2022

JIABR

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Purpose The purpose of study examine the relationship between religiosity, consumers’ materialism, brand fidelity, attitude and consumers’ commitment to Islamic banking products using evidence from Indonesia. Design/methodology/approach The sample consists of 658 Muslim and bank consumers obtained through a survey study and using structural equation modeling to test the research hypotheses. Findings The empirical results indicate that religiosity has significant and positive effects on consumers’ materialism, brand fidelity and attitude, also mediating variables. Furthermore, the mediator variables partially mediate religiosity and consumers’ commitment based on consumers’ culture theory. Research limitations/implications This study is validated by Indonesian Muslims; therefore, future study is required to analyze across the culture and region. It can help Islamic bank managers and scholars to observe the correlation between religion, Islamic banks products and Muslims’ commitment. Practical implications The current study enlightened the consumers’ Islamic bank principle operation from marketing and religiosity. The government and the shariah supervisory board need to enhance the control and promote to make sure that Islamic banking operations have compliant with Islamic law. Originality/value The result of this study provided the Muslim decision-making process by developing and testing a model of religious determinants toward Islamic bank products.

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Section: Introductionmentioning

confidence: 99%

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Junaidi

2022

JIABR

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“…According to these authors, religiosity is linked with the Islamic bank’s cultural practices, reputation and perceived value. Religiosity affects consumers’ decision-making processes when IB products are based on Islamic principles (Junaidi et al , 2022). Iqbal et al (2018) state that the perception and preference of customers for IB are greatly influenced by religion.…”

Section: Literature Reviewmentioning

confidence: 99%

Determinants of customer loyalty in Islamic banking: the role of religiosity

Tegambwage

Kasoga

2023

JIMA

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Purpose The purpose of this study is to investigate the moderation effects of religiosity in the relationship between service quality (SQ), customer satisfaction (CS), relationship quality (RQ) and Islamic banking (IB) loyalty in a non-Islamic country. Design/methodology/approach This study used a quantitative approach and a cross-sectional research design. The data was collected by a closed-ended questionnaire from a systematic sample of 267 customers of full-fledged Islamic banks in Tanzania. Structural equation modeling and regression analysis techniques were used to analyze the data. Findings Results indicate that religiosity is a significant (p < 0.05) moderator of the relationship between SQ and loyalty (β = 0.176), and between CS and loyalty (β = 0.263). However, religiosity sharpens the impact of CS on loyalty (β increases from 0.170 to 0.263, p < 0.05) and does not sharpen the impact of SQ on loyalty (β decreases from 0.338 to 0.176, p < 0.05). The results further indicate that religiosity is not a significant moderator (p > 0.05) in the link between RQ and loyalty (β = −0.112). Research limitations/implications This study used only full-fledged Islamic banks in Tanzania. Therefore, future research could be undertaken by including conventional banks that have introduced an IB window. Practical implications To build and maintain a loyal customer base, Islamic banks should take advantage of religiosity by providing a wide range of Sharia-based products and services that truly distinguish them from conventional banks. Accordingly, policymakers should establish an appropriate legal framework to enable Islamic banks to leverage religiosity to sharpen the impact of CS on loyalty and hence maintain loyalty in non-Islamic countries like Tanzania. Originality/value This study proposes and validates the theoretical model of loyalty in IB by showing the role of religiosity as a moderator in a non-Islamic country. This knowledge strengthens the overall understanding of loyalty in IB. To the best of the authors’ knowledge, this study is the first to examine the moderation effects of religiosity in the link between RQ and loyalty, and thus between SQ, CS, RQ and loyalty in a single study.

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“…Job satisfaction correlates with job quality from the financial and non-financial aspects (Claus, 2019). It also refers to personal perception and psychology (e.g., attitude, emotions, and happiness) about their job and workplace environment (Hendri, 2019;Junaidi, 2021;Junaidi, Anwar, Alam, Lantara, & Wicaksono, 2022). Generally, job satisfaction strongly correlates to personal feelings and psychology (Kundu et al, 2019;Maley, Dabic, & Moeller, 2020).…”

Section: Job Satisfactionmentioning

confidence: 99%

Influence of Empowering and Ethical Leadership on Employees’ Job Satisfaction, Performance, and Organization Commitment

Limpo

Junaidi²

2022

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Unethical behavior in public and private organizations raises concerns among stakeholders about ethical stand in the workplace. This study aimed to investigate the effect of empowering and ethical leadership on employees' job satisfaction, performance, and organizational commitment. A total of 650 employees were identified from 25 companies in Sulawesi Selatan district, Indonesia. Data were collected through survey study, and Structural Equation Modeling (SEM) was used to test the hypotheses. We found that empowered and ethical leaders positively influenced employees' job satisfaction which also bridged the predictor variables to employees' job performance and organizational commitment. Job satisfaction also played a crucial role in mediating the relationship between predictor variables (e.g., empowering and ethical leadership) and employees' job satisfaction and organizational commitment. Following the call for determinants of empowering and ethical behavior, this study provides insights for managers to foster ethical behavior at the workplace.

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Determinants to adopt conventional and Islamic banking: evidence from Indonesia

Cited by 25 publications

References 33 publications

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Religiosity versus profit-loss sharing: how Islamic banks brand fidelity influence the Muslim consumers’ commitment

Determinants of customer loyalty in Islamic banking: the role of religiosity

Influence of Empowering and Ethical Leadership on Employees’ Job Satisfaction, Performance, and Organization Commitment

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