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

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.

Intention to Halal Tourism: The Influence of Religiosity and Personal Efficacy

“…This finding is different from Nugroho et al (2017) who proved that self-efficacy positively and significantly affects behavioral intention. However, these findings confirm that general self-efficacy factors do not solely determine interest as in previous studies.…”

“…The results of this study support the research of Nugroho et al (2017), which shows that religiosity has a positive and significant effect on customer behavior in Islamic banks in using their products and services. This research is also in line with Mahardika (2019) that religiosity has a positive and significant effect on halal products' buying interest.…”

“…Self-efficacy can affect how a person feels, thinks, and motivates himself to behave because someone knows his capabilities and characteristics (Bandura, 1982). Furthermore, self-efficacy is a better predictor of actual behavior than behavior control (Nugroho et al, 2017). Thus, tourists who have high self-efficacy will not hesitate and know what to do when considering halal tourism destinations.…”

“…The theory of planned behavior states that a person's behavior will be influenced by interest, while behavioral interest is influenced by attitudes, subjective norms, and behavior control (Ajzen, 1991). Nugroho et al (2017) criticize this behavior control variable. His research revealed that the self-efficacy ability to explain behavior interest was higher than behavior control.…”

Religious Construction in Decision ­Making of Indonesian Customers for Financial Transactions on Syariah Banks

“…variables of religiosity, service quality, satisfaction, and trust on Islamic bank customer loyalty through a study on Islamic the Special Capital Region (DKI) of Jakarta (Wahyoedi et al, 2021). The customer's decision to transact at a sharia bank cannot be separated from the context of Indonesian society, which is predominantly Muslim (Nugroho et al, 2017). This also happens in a number of countries with a Muslim majority, such as Malaysia (Haron & Nursofiza Wan Azmi, 2008;Haron & Wan Azmi, 2005).…”