Claim Missing Document
Check
Articles

Determinants of Intention to Choose Islamic Banks: Trust, Reputation, Literacy, and Religiosity Febriyani, Nurlatifa; Alrasyid, Harun; Rizal, Mohammad
JPS (Jurnal Perbankan Syariah) Vol 7 No 1 (2026): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v7i1.2881

Abstract

Purpose: This research investigates how trust, institutional reputation, and Islamic financial literacy shape behavioral intentions to select Islamic banking services among the Sumenep community, while also examining the moderating role of religiosity. Method: The study adopts a quantitative explanatory design and applies Partial Least Squares–Structural Equation Modeling (PLS-SEM) for empirical analysis. Data were collected from 276 respondents selected through purposive sampling. Findings: The results demonstrate that trust, reputation, and Islamic financial literacy significantly affect individuals’ intentions to choose Islamic banks. In addition, religiosity functions as a moderating factor that diminishes the influence of reputation on behavioral intention. Implications: From a theoretical perspective, this study contributes to the extension of the Theory of Planned Behavior in the context of Islamic financial decision-making by positioning religiosity as a contextual influence rather than a direct moderator within the core TPB constructs. From a practical standpoint, the findings highlight the importance of building public trust, strengthening the credibility of Islamic banking institutions, and enhancing Islamic financial literacy to encourage greater adoption of Islamic banking services.
Co-Authors Abdul Malik Adhi Dharma Prasetyo Ahmad Roihan, Ahmad Ahsani Taqwiem Ainun Najib Ainur Rofieq Akmalia, Shalyza Nur Anisa, May Nur Annisa Mutmainah Arista Fauzi Kartika Sari Arsyianto, Muhammad Tody Asniza Afhami Asyadi, Erda Dwi Ananda Azhar, Fawazul Bambang Piscesa Bastomi, Mohamad Bayu Kurnia Rizki Candra, Robbi Rehan Data Iranata Dea Fauziah Larasati Dewi Hurwardani Dinda Dewi Anggraeni Dita Roosemella Paramadina Durotin Masruroh Dwi Prasetya Dwiyani Sudaryanti Erdi Suroso Erfan Efendi Faimun Faimun Faradhilla, Naisha Farizka Ananda Safitri Fauzi, Aqshal Febriansyah, Aldhi Febriyani, Nurlatifa Ferry Alius Haikal, Daffa Hasanuddin Hasanuddin Haura Adena Indrayanti, Rr Nugraheni Putri Irawati, Khusnul Jeni Susyanti Kamaruddin, Muhammad Musyawir Khofifah Khofifah Khofifah Khofifah Khofifah Khofifah Kohar Yudoprasetyo Kotta, Iswan Kotta Kotta, Muhammad Iswan Kuncoro, Dimas Laila Wardani, Navilah Malikus Sumadyo Mansyur, Fakhruddin Maslichah, Maslichah Mohammad Rizal, Mohammad Mudji Irmawan Nanda Dian Rahmadani Navilah Laila Wardani Nissa, Uswatul Tirania Choirul Nur Diana Nur Diana Nur Diana Nurhajati Nurhidayah Nurhidayah Nurhidayah Nurrizkiana, Dinda Dwi Parakassi, Idris Pinky Anjeli Pradnawati, Eriza Pramesti, Ardea Priyo Suprobo Rabbani, Mustafa Raza Rafika Nur Laili Rafika Tri Cahya Rahmat D. Sutrisno Rahmat Dwi Sutrisno Rahmat Nuryono Rahmawati Rahmawati Ramlianto, Ramlianto Ridwan, Siti Rahmania Ruddin, Poppy Sabariah Sabariah Sa`ida, Elfa Nur Sa’diah, Mufidatul Sefti Wahyuningsih Shalyza Nur Akmalia Siradjuddin, Siradjuddin Siregar, Fauziah Hanum Siti Rahmania Ridwan Sudirman Sudirman sultan Sultan Sultan Sylviah Rizky Novia Anwaari Tama, Annafi Indra Tanto Pratondo Utomo Wahyuniarsih Sutrisno Wahyuningtyas, Nanik