Faktor –Faktor Yang Mempengaruhi Niat Pada Perilaku Nasabah Menabung Di Perbankan Syariah Dengan Agama Sebagai Variabel Kontrol

Hatmawan, Aglis Andhita; Widiasmara, Any

doi:10.25273/jap.v5i2.1192

Cited by 5 publications

(7 citation statements)

References 2 publications

(4 reference statements)

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“…On the research (Fajar Mujaddid, 2019;Musruroh, 2015;Ramadhani, Susyanti, & ABS, 2019), states that religiosity has a significant effect on the variable interest in saving. This is different from the results of the study (Hatmawan & Widiasmara, 2017) where religiosity does not have a significant influence on saving interest.…”

Section: Introductioncontrasting

confidence: 99%

Determinants of Interest in Saving for Students in Islamic Banking

Murniati

Juliasari

Hanifah³

2020

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Saving money is the way to regulate our finance effectively. Bank is one of the media that is considered quite effective for this activity. The development of Islamic economic make sharia banking practices increase in an innovative way. Various sharia bank products have become a choice for saving activity. The same thing happen for student. Although the interest to save is still lacking, but the use of sharia bank products is quite beneficial for their future. The purpose of this study is to analyze the factors that influence student interest in saving on Islamic banking. Multiple linear regression is an analysis technique with hypothesis testing to support its conclusions. With a coefficient of determination of 61.2%, the results of the analysis show the level of student education of the sharia economy has a significant effect compared to other variables on students' interest in saving. But simultaneously, all independent variables influence the interest in saving students in Islamic banking. This shows that education is very important for students, therefore STIE Widya Gama Lumajang should indeed provide quality teaching to students, especially in the field of Islamic economics

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Section: Introductioncontrasting

confidence: 99%

Determinants of Interest in Saving for Students in Islamic Banking

Murniati

Juliasari

Hanifah³

2020

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“…This shows that the subjective norm level does not guarantee people's attractiveness to Islamic banks financing products. This is consistent with the studies carried out by Hatmawan and Widiasmara (2017) and Mas' Ud (2012), which stated that perceived behavioral control of customers has a positive and significant effect on interest. This shows that the better the behavioral control, the more the desire to use Islamic bank products and services.…”

Section: Figure 2 Path Diagramsupporting

confidence: 92%

“…Previous studies inconsistent with the research carried out by Huda et al (2014) stated that behavioral control insignificantly affects the intention to utilize Islamic banking products and services. This research aligns with the studies carried out by Anam (2016) and Hatmawan and Widiasmara (2017), which stated that religiosity has an insignificant effect on interest. This shows that economic rationality is still the dominant factor motivating customers to select the desired banking products.…”

Section: Figure 2 Path Diagramsupporting

confidence: 92%

“…This study reported that the respondents' attitude towards financing does not significantly influence their intention to use Islamic bank financing products. In contrast to the studies carried out by Mas' Ud (2012), Hatmawan and Widiasmara (2017), Anam (2016), and Darwis (2018), it was discovered that attitude has a positive and significant influence on interest (intention to use). Subsequently, previous studies carried out by Rustam and Rukhviyanti (2015), Cruz et al (2015), Pratiwi et al (2015), Irawan et al (2016), Fatmasari and Wulandari (2016), Amalia (2018), andWahyuningsih (2019) stated that attitude has a positive and significant effect on behavioral interest.…”

Section: Figure 2 Path Diagramcontrasting

confidence: 63%

“…Conversely, this research is inconsistent with the studies carried out by Darwis (2018), Mas' Ud (2012., Hatmawan and Widiasmara (2017), including Huda et al (2014), which reported that Subjective Norms have a positive and significant effect on intention (intention to use). In this study, the respondents' Subjective Norms had an insignificant influence on their intention to use Islamic banks' financing products.…”

Section: Figure 2 Path Diagrammentioning

confidence: 99%

See 2 more Smart Citations

Factors That Influence Public Interest In Choosing Islamic Bank Financing Products

Muharromah¹,

Huda

Muslikh

et al. 2021

j. Organisasi dan manaj.

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This study aims to determine the effect of Knowledge, attitudes, subjective norms, behavioral control, and Religiosity on public interest and their impact on Islamic bank financing decisions in DKI Jakarta Province. This study uses the SEM AMOS analysis model with the consumption behavior variables, including Knowledge, attitudes, subjective norms, behavioral control, and Religiosity as exogenous variables. In contrast, the intervening variable is a public interest, and the endogenous variable is the financing decision. The results of this study indicate the variables of knowledge and behavior control have a positive and significant effect on people's interest in using Islamic bank financing products. Attitude and religiosity variables have a positive but not significant impact on people's interest in using Islamic bank financing products. Subjective norms have a negative but insignificant effect on people's attention. Knowledge has a positive and significant impact on people's decisions to choose financing products in Islamic banks. In contrast, Religiosity has a significant adverse effect on the decision to choose financing products in Islamic banks. The variable of public interest has a positive and significant impact on financing decisions. Meanwhile, the indirect effect of the public interest variable cannot significantly mediate the influence of Knowledge and Religiosity on financing decisions.

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Switching intention of conventional bank customers to Sharia bank based on push-pull-mooring theory

Monoarfa,

Al Adawiyah,

Prananta

et al. 2024

JIMA

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Purpose This study aims to see the variables of customer satisfaction level, attractiveness of alternatives, subjective norms and level of religiosity of conventional bank customers in West Java and their effect on switching intentions. Design/methodology/approach A causality description technique with a quantitative approach is used in this research. The analytical technique used is partial least square-structural equation modeling with a sample of 320 respondents from conventional bank customers in West Java. Findings The results revealed that the level of customer satisfaction and subjective norms were in the medium category, whereas the level of alternative attractiveness, religiosity and switching intentions was in high level. The level of customer satisfaction harms switching intentions, whereas the level of alternative attractiveness and religiosity variables have a positive effect on switching intentions. In contrast, the subjective norm variable does not affect switching intentions. Therefore, customer satisfaction, the attractiveness of alternatives and religiosity are essential points to cause someone to have the intention to switch. Practical implications For stakeholders, especially the government or the Islamic banking industry, to improve the climate of the Islamic finance industry in Indonesia, in particular, to increase knowledge and insight from the public regarding the intention to switch conventional bank customers to Islamic banks. Originality/value The use of the religiosity variable as an independent variable on switching intentions is still rarely done. Hence, the authors combine this variable with customer satisfaction, alternative attractiveness and subjective norms. The update in this study also places conventional bank customers included in the millennial generation and generation Z categories who live in the province of West Java as research subjects.

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Faktor –Faktor Yang Mempengaruhi Niat Pada Perilaku Nasabah Menabung Di Perbankan Syariah Dengan Agama Sebagai Variabel Kontrol

Cited by 5 publications

References 2 publications

Determinants of Interest in Saving for Students in Islamic Banking

Determinants of Interest in Saving for Students in Islamic Banking

Factors That Influence Public Interest In Choosing Islamic Bank Financing Products

Switching intention of conventional bank customers to Sharia bank based on push-pull-mooring theory

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