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

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  • nugroho, anton priyo

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.

Suggested Citation

  • nugroho, anton priyo, 2018. "The influence of religiosity and self-efficacy on the saving behavior of the Іslamic banks," INA-Rxiv 36jmf, Center for Open Science.
    • Handle: RePEc:osf:inarxi:36jmf
    DOI: 10.31219/osf.io/36jmf
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    References listed on IDEAS

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    1. Helmut Schneider & John Krieger & Azra Bayraktar, 2011. "The Impact of Intrinsic Religiosity on Consumers’ Ethical Beliefs: Does It Depend on the Type of Religion? A Comparison of Christian and Moslem Consumers in Germany and Turkey," Journal of Business Ethics, Springer, vol. 102(2), pages 319-332, August.
    2. Sirgy, M Joseph, 1982. "Self-Concept in Consumer Behavior: A Critical Review," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 9(3), pages 287-300, December.
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