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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Aisyah
Universitas Islam Negeri Alauddin Makassar
Economics, Econometrics & Finance

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The Effect of Attitude Toward Behavior, Subjective Norm, and Perceived Behavioral Control on the Intention to Use an Umrah Installment Scheme with Religiosity as a Moderating Variable (A Study at PT Wahdah Islamic Travel) Aisyah; Syaharuddin; Eka Suhartini; Awaluddin; Saiful Muchlis
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.9634

Abstract

This study aims to examine the effects of attitude toward behavior, subjective norm, and perceived behavioral control on the intention to use an umrah installment scheme at PT Wahdah Islamic Travel, with religiosity as a moderating variable, based on the Theory of Planned Behavior. A quantitative associative design was employed. Data were collected through a questionnaire distributed to 129 active members of Wahdah Islamiyah in Makassar, selected using purposive sampling. The research instrument consisted of five variables with a total of 34 indicators measured using a four-point forced-choice Likert scale. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results indicate that attitude toward behavior and perceived behavioral control have a positive and significant effect on the intention to use the umrah installment scheme, while subjective norm shows no significant effect. Furthermore, religiosity does not strengthen the relationships within the Theory of Planned Behavior model but instead tends to weaken the effects of its constructs on intention. These findings suggest that financing decisions related to religious worship among highly religious individuals are more strongly driven by moral values and sharia compliance than by social pressure or perceived convenience. The study implies that service providers should emphasize sharia contract clarity, transparency, and Islamic financial education, while future research is encouraged to examine religiosity as an independent variable and incorporate additional factors such as trust and perceived risk.
Co-Authors Awaluddin Saiful Muchlis Suhartini, Eka Syaharuddin