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 Abdullah Syakur Novianto Afiandi, Dian Agung Wicaksono Aini, Syarifa Aisyah, Diana Sari Alan, Tri Setyo Budi Alfian Budi Primanto Ali, Nurain Alistin, Dita Putri Amanda, Dita Amanda, Nina Septira Putri Andi Normaladewi Anggraini, Juliana Apsarini, Nabila Wahyu Arifin, Mochammad Zainul Arini Fitria Mustapita Arsyianto, Muhammad Tody Azez, Muchamad Abdul Azizah, Yasmin Nur Baruda, Nu’man Hakiki Basalamah, Muhammad Ridwan Bastomi, Mohamad Bayu Wicaksono Cahya Wulandari Christy Atika Sari Damayanti, Erika De Rosal Ignatius Moses Setiadi Denavia, Putri Dita Roosemella Paramadina Ediningsih, Firda Eko Hari Rachmawanto Fahrurrozi Rahman Febriyani, Nurlatifa Florentina Esti Nilawati Gofur, Iqbal Abdul Hadi Sunaryo Harun Alrasyid Hermawan, Gugus Hutama, Genta Arya Indana, Syiva Indriani, Ferlia Indriyati, Rika Irwan Irwan Ita Athia Itsnaini, Ahmad Ilyas Junaidi Junaidi Kamtari, Gita Ade Kartika Sari, Arista Fauzi Khalikussabir, Khalikussabir Khasmir, Khasmir KHOIRUL ANAM Khuluq, Habib Husnul Kurniatin, Titin Laila, Azza Nur Lestari, Vita Dwi M. Agus Salim Al Fathoni Maharani, Puteri Aurelia Mahardani, Ahmad Subhan Maharisna, Robby Yudha Mahfud, Ah Syaifudi Maimun, Muhammad Masrohatin, Siti Maula, Moh Hafi Nasil Maulidi, Ahmad Wasil Muhajir Muhajir, Muhajir Muhammad Ridwan Munawaroh, Mufrida Muzakkiy, Achmad Nabila, Alsya Nafisah, Wardatun Najih, M. Ulul Ikhwanin Najjah, Famirza Syifaun Nisa, Firda Hanikati Novitasari, Khofifah Indria Nur Halifah, Nur Nur Hasanah Nurcahyono, Septian Dwi Pramana, Adham Putra Pratama, Yongki Putra, Satrio Airlangga Raden Mohamad Herdian Bhakti Rahmatillah, Siti Ratna Tri Hardaningtyas, Ratna Tri Rizqi, Moch Ilham Khoirur Rohmah, Mimmatur ROHMAH, NUZULUR Satria Putra Utama Soleha, Faridatus Stiani, Sofi Nurmay Sujana, Ilham Alif Sukayasa Sulton Sholehuddin, Sulton Sumaryam, Sumaryam Sutriman, Indah Ayu Syafiudin, Achmad Imam Syalzidah, Miftahul Taslim, M. Triyoga, Efriza Fahmi Usiaman, Aldi Waasiah, Rifatul Wahfiudin, Fajar Wahyuniar Asri, Nafadzila Wahyuningtyas, Nanik Wati, Hanis Putri Kurnia Wati, Ice Trisna Widarko, Agus Yusransyah, Yusransyah Zain, Dhanang Taufik Zidane, Muhamad Yazid