Islamic financial literacy, spiritual intelligence, public perception and behaviour on public interest in Islamic banking services

Yeni, Fitri; Mulyani, Sitti Rizki; Susriyanti, Susriyanti

doi:10.1080/23322039.2023.2175470

Cited by 5 publications

(7 citation statements)

References 38 publications

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“…This study demonstrated that attitude (Lebdaoui et al , 2022; Pratama et al , 2023; Saygılı et al , 2022), subjective norm (Farhat et al , 2019; Yusfiarto et al , 2023), PBC (Alzadjal et al , 2021; Maduku and Mbeya, 2023), Islamic financial literacy (Muslihun, 2023; Yeni et al , 2023), religiosity (Alharbi et al , 2021; Alzadjal et al , 2021), consumer conformity (Klabi and Binzafrah, 2023), Islamic branding (Dinc et al , 2023; Faiza, 2023) and behavioural intention (Aslam et al , 2022; Wijaya et al , 2023) influence the compliance behaviour of Islamic customers in Islamic banks. The relationship model between attitude variables, subjective norms, PBC, Islamic financial literacy, religion, consumer conformity, Islamic branding and customer sharia compliance behaviour, which is mediated by behavioural intention factors, represents another discovery (Junaidi et al , 2022; Yeni et al , 2023; Alharbi et al , 2021; Muslihun, 2023). Consumer conformity, Islamic branding and continual intention are a few of the decisive aspects impacting Sharia compliance that are rarely researched by prior academics.…”

Section: Discussionmentioning

confidence: 73%

“…Muslim customers must know about Islamic finance to recognize Islamic brands, which will improve their willingness to use Islamic bank services. According to Yeni et al (2023), Islamic financial literacy is a vital idea for customers to comprehend when selecting an Islamic bank, which promotes the behaviour of sustainable goals among Islamic bank clients.…”

Section: Results and Analysismentioning

confidence: 99%

“…Customers who understand Islamic money will adhere to Islamic norms (Dinc et al , 2023). Therefore, a high degree of Islamic financial literacy is anticipated to boost individuals’ interest in Islamic bank products (Muslihun, 2023; Yeni et al , 2023). Then later, it will boost customer transaction compliance (Alharbi et al , 2021; Muslihun, 2023).…”

Section: Results and Analysismentioning

confidence: 99%

“…According to Samad et al (2022), behavioural intention is the likelihood that customers will engage in behaviours such as recommending Islamic banks, using Islamic bank products continually and showing devotion to Islamic banks. The behavioural intent will motivate client cooperation (Hoque et al , 2022; Yeni et al , 2023) discovered that the Muslim community’s intention to use Islamic banking services is a type of commitment to Islamic teachings. According to Aslam et al (2022), religion, collectivism and sustainable intentions influence customer compliance.…”

Section: Results and Analysismentioning

confidence: 99%

“…4.3.4 Islamic financial literacy, Islamic branding, behavioural intention and customer Sharia compliance behaviour. Majid and Nugraha (2022) and Yeni et al (2023) argued that Islamic financial literacy is the essential knowledge and understanding of contract principles in Islamic banks, knowledge of risks and the ability to manage savings or financing by customers so that they can make financial institution decisions based on Islamic principles. Abbas et al (2022) stated that some Muslims face the following quandary when selecting financial services: "Does the financial product they are seeking comply with Islamic principles, and does it already have an Islamic brand?"…”

Section: Eligibilitymentioning

confidence: 99%

See 4 more Smart Citations

A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

Andespa,

Yeni,

Fernando

et al. 2023

JIMA

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Purpose This study aims to investigate what past scholars have learned about Muslim consumer compliance behaviour in Islamic banks and identify what future research is needed. In addition, it also explores the relationship model between the previously studied determining factors and the customer’s Sharia compliance behaviour. Design/methodology/approach This study used a bibliometric–systematic literature review analysis using the Preferred Reporting Items for Systematic reviews and Meta-Analyses (PRISMA) technique by reviewing the articles published from 2013 to 2023. The PRISMA procedures involved several stages, including identification, screening, eligibility, analysis and conclusion based on the findings. Findings The results found that customer Sharia compliance behaviour determinants in Islamic banks are attitude, subjective norms, perceived behavioural control, Islamic financial literacy, religiosity, consumer conformity, Islamic branding and behavioural intention. Interestingly, the results indicated that such factors as consumer conformity, Islamic branding and sustainable intentions are less discussed. Practical implications Decision-makers in Islamic banks must use digital technology to offer better service and make operations more reachable for customers to access information, complete transactions and manage their accounts by Sharia principles. Therefore, the bank needs to continually produce innovative products and services so that customers have a greater variety of options to suit their Sharia-compliant financial needs. Theoretically, this study has contributed by finding the main critical domains influencing customers’ Sharia compliance behaviour, such as attitudes, subjective norms, perceptions of behavioural control, knowledge of Islamic finance, religiosity, consumer conformity, Islamic branding and behavioural intentions. Then, it makes a theoretical contribution by establishing a model that explains how customers make decisions based on Sharia-related factors in the context of their purchases. Originality/value Past studies focused on the Sharia compliance behaviour in paying Zakat for takaful customers. Therefore, this study provides critical factors of Sharia compliance behaviour on conformity, Islamic branding and sustainable intention regarding unexplored consensus on the determinants and outcomes of customer Sharia compliance behaviour of Islamic banking.

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Section: Discussionmentioning

confidence: 73%

Section: Results and Analysismentioning

confidence: 99%

Section: Results and Analysismentioning

confidence: 99%

Section: Results and Analysismentioning

confidence: 99%

Section: Eligibilitymentioning

confidence: 99%

See 3 more Smart Citations

A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

Andespa,

Yeni,

Fernando

et al. 2023

JIMA

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The role of Sharia banking in strengthening the assets of village-owned enterprises in Indonesia

Harrieti,

Ikhwansyah,

Ahmad

2024

Cogent Social Sciences

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Employee Performance in Bank Syariah Indonesia (BSI) Reviewed from Spiritual Intelligence

Srijani,

Aisyah,

Wiranata

et al. 2023

SAR Journal

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The study aims to analyze spiritual intelligence's impact on employee performance at PT. Bank Syariah is Indonesia's main and sub-branches in East Java, Indonesia. It seeks to enhance understanding of how spiritual resources predict performance beyond conventional measures. Employing explanatory research with a causal approach, the research includes employees from both branches, using a census method for sampling. Data collection involves spiritual intelligence questionnaires and supervisor performance assessments. The research intends to establish a causal link between spiritual intelligence and employee performance. A unique aspect is the integration of spiritual intelligence into employee development and human resource management, validating its holistic incorporation. The research demonstrates a significant correlation between spiritual intelligence and employee performance at both branches. In an Islamic business context, where spirituality holds importance, this study provides fresh insights into the connection between spiritual intelligence and employee performance. The findings can guide management in creating comprehensive strategies that incorporate spiritual aspects, fostering a balanced and productive work environment.

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Islamic financial literacy, spiritual intelligence, public perception and behaviour on public interest in Islamic banking services

Cited by 5 publications

References 38 publications

A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

A systematic review of customer Sharia compliance behaviour in Islamic banks: determinants and behavioural intention

The role of Sharia banking in strengthening the assets of village-owned enterprises in Indonesia

Employee Performance in Bank Syariah Indonesia (BSI) Reviewed from Spiritual Intelligence

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