The Effect of Religiosity and Financial Considerations on Behavioral Intention toward Islamic Banking Industry: The Mediating Role of Attitude

DOI

10.2991/aer.k.201221.091How to use a DOI?

Keywords

Religiosity, perceived risk, perceived benefit, attitude, behavioral intention

Abstract

The Islamic banking industry is faced with the problem of a lack of public interest in being involved in Islamic financial transactions. This could cause Islamic banking to be eliminated from the global market in the future. This study aims to examine the factors that influence customer behavioral intention to save in Islamic banks through three aspects, namely religiosity, financial considerations consisting of perceived risk and perceived benefit, and attitudes. By utilizing the results of a survey of 219 samples of customers of Islamic banks in South Kalimantan Province, this study used SEM-PLS. The results of the estimation prove that the perceived risk has a negative effect on the intention to save behavior in Islamic banks, either directly or through attitude mediation. The perceived benefit and religiosity has a positive effect on behavioral intention both directly and through attitude mediation. This research shows the important role of religiosity, financial considerations and attitudes in increasing the behavioral intention to save in Islamic banks and shows the opportunity for Islamic banks to take advantage of these aspects to maintain and expand their customer base.

Copyright

© 2020, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Download article (PDF)

TY  - CONF
AU  - Nur Hakimah Amini
AU  - Muhammad Muflih
AU  - Marwansyah
PY  - 2020
DA  - 2020/12/22
TI  - The Effect of Religiosity and Financial Considerations on Behavioral Intention toward Islamic Banking Industry: The Mediating Role of Attitude
BT  - Proceedings of the International Seminar of Science and Applied Technology (ISSAT 2020)
PB  - Atlantis Press
SP  - 552
EP  - 559
SN  - 2352-5401
UR  - https://doi.org/10.2991/aer.k.201221.091
DO  - 10.2991/aer.k.201221.091
ID  - Amini2020
ER  -