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Prisila Damayanty
Institut Bisnis Dan Informatika (IBI) Kosgoro 1957
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Factors Forming Indonesian Customers’ Attitudes and Intention towards Sharia Banking Products Before and After the COVID-19 Pandemic Damayanty, Prisila; Yanto, Heri; Patiro, Shine Pintor Siolemba
Jurnal Dinamika Manajemen Vol. 17 No. 1 (2026): March
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v17i1.38130

Abstract

The objective of the research is to uncover the factors shaping customer attitudes and intentions towards using Islamic banking products in Indonesia after the COVID-19 pandemic. A preliminary study identified the factors shaping attitudes, including bank image, social norms, and compliance with Sharia law. This study also revealed differences in Indonesian customers’ intentions towards using Islamic banking products before and after the COVID-19 pandemic. Data collection used an online survey involving 479 Islamic banking customers in Indonesia. Structural Equation Modeling (SEM) was used for data analysis. The results indicate that attitudes can predict Indonesian customers’ intentions towards using Islamic banking products. The most influential factor influencing Indonesian customers’ attitudes towards using Islamic banking products is social norms. This study demonstrates the importance of reference groups and bank image in shaping attitudes and intentions, suggesting that banks should leverage these aspects to expand their customer base. This study also provides insights into individual decision-making and the importance of a social approach for banks in advertising. By confirming all TPB-related hypotheses, the study empirically validates and extends multi-attribute attitude model, Theory of Reasoned Action, Theory of Planned Behavior in the context of Sharia banking adoption after a global crisis. It demonstrates those model theories are reliable and adaptable framework for explaining Islamic financial behavior in emerging markets and during periods of economic disruption.
Co-Authors Achmad Fauzi ACHMAD FAUZI Agnes Tiwan Andani Agustini, Andini Ahmad Nurdin Hasibuan Ainun Nabiilah Ajeng Dina Permatasari Al-Faruq, Huzaimah Al-Musfiroh, Hamnah Aldi Pratama Putra Aleya Safiya Als, Dewa Putu Amalia, Fauziah Amalia, Tyara Anaku Putri, Tigha Anatria, Dinda Andani, Agnes Tiwan Annisa Agustina Asifa Fikriyah Astiningsih, Della Rohma Dwi Astiningsih, Nadia Eka Astuti, Dyah Puji Audy Rizky Avianto Aulia Wildayani Aulia, Tazkia Avianto, Audy Rizky Azqya, Khairani Azzahra Nur Sifa Bangun, Virgina Septiani Bestar, Sarah Cantika Bila, Diana Salsa Cahyani, Vivi Dwi Citra Swantika Pane Davita, Enza Delila Rambe Delila Rambe, Delila Della Rohma Dwi Astiningsih Devvy Noveliza Dharma, Diaz Adi Dhyea Fitria Dias Adi Dharma Dias Adi Dharma Diaz Adi Dharma Djunaidy Djunaidy Djunaidy Djunaidy Djunaidy Djunaidy Djunaidy, Djunaidy Dodi Wahab Eka Amelia Chiesa Julianti Enny Widayati Enza Davita Ermawati, Elma Etty Murwaningsari Fadilah, Khoirul Fairuzzaman Fairuzzaman Fairuzzaman Fairuzzaman Faiza Chairunisa Faizul Mubarok Fajar Sobari Fazriyah, Sindy Nur Febiyana Febiyana Febriantika, Febriantika Fikriyah, Asifa Finka Fitriany Fitri Silvita Fitria, Dhyea Fitria, Suci Fitriany, Finka Gabriel, Kevin Galuh Putri Elok Hamidah, Nur Wanda Hamnah Al-Musfiroh Haswan Yunaz Hendi Prihanto Hendrian Hendrian Heri yanto Hestianisari Hestianisari Hestianisari, Hestianisari Ibnatul Istinganah Ibnu Rivai Imbuk, Dionisia Indra Setiawan Indra Setiawan Indra Setiawan Indri Tsania Putri Istinganah, Ibnatul Istiqomah , Rulyannas Tasya Istiqomah, Rulyannas Tasya Jannati, Trias Baiti Julianti, Eka Amelia Chiesa Kabul Wahyu Utomo Khoiriyah Nuradilah Leliyana Leliyana Leliyana, Leliyana Lubis, Taufiqurrahman Mala Sitianingsih Marlina Marlina Marlina Marlina Marselina Marselina Maryama, Hanna Meitha Masrin, Rofina Mayasari Mayasari Meri Siregar Misnan Misnan Monica Christanti Muhammad fauzan Mulyadi Mulyadi Munir, Ahmad Musyaddad Murti Endah Sari Mutiara Ayuningtyas Mutiara Ayuningtyas Nadia Eka Astiningsih Ningrum, Maharani Sasmitha Noveliza, Devvy Nunik Yuni Pratiwi Nur'aini, Dyah Tari Nuradilah, Khoiriyah Nurdiana , Diah Nurdiana, Diah Nurmelia Safitri Nurul Alya Putri Oktaviyanti Oktaviyanti Olivia Olivia Papa, Yohanes Aprilianus Pertiwi, Regita Cahya Pratama, Rudi Alfajar Purba, Sekararum Sherlenadya Putra, Aldi Pratama Putri Novia Rini Raesita, Raesita Rambey, Tagor Ramdhan Kurniawan Reny Andriyanty Rimah Noviyani Rivara Pascha Utama Rofina Masrin Rofina Masrin Romadon, Safiga Aulia Roy Mandus Sitorus RR. Aryanti Kristantini Rudi Laksono Safiga Aulia Romadon Safitri, Nurmelia Sarah Cantika Bestar Sari, Murti Endah Sekar Mayangsari Septiana Rindika Putri Setya, Andhika Putra Shine Pintor Siolemba Patiro Silfiyani Dwiyanti Silvita, Fitri Siti Nurhayati Sitorus, Roy Mandus Sobari, Fajar Soo Il, Kim Stella Kassa Surya Adi Sasmita Tagor Rambey Thoha Solehudin Ulan Sari, Riski Utama, Rivara Pascha Varentz, Hannah Vie, Sara Wahab, Dodi Widayati, Enny Widjanarko Widjanarko Widjanarko Widjanarko, Widjanarko Wildayani, Aulia Winingsih, Eka Wahyu Yohanes ALS, Dewa Putu Yulianto , Kampono Imam Yulianto, Kampono Imam Yuliyanti yuliyanti Zalianti, Risma Zara Tania Rahmadi