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All Journal IBDA` : Jurnal Kajian Islam dan Budaya Jurnal Intelektualita: Keislaman, Sosial, dan Sains Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ilmiah Peuradeun J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL PENDIDIKAN TAMBUSAI Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam BALANCE: Economic, Business, Management and Accounting Journal SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Ilomata International Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Journal La Sociale Ilomata International Journal of Social Science Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Bima Journal : Business, Management and Accounting Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Islamiconomic: Jurnal Ekonomi Islam Jurnal Ilmiah Mahasiswa Raushan Fikr Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Economics Lariba Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research IIJSE Indonesian Journal of Islamic Literature and Muslim Society Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Journal of Visionary Sharia Economy (JOVISHE)
Muhammad Yafiz, Muhammad
Fakultas Syariah IAIN Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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THE EFFECT OF RELIGIOSITY ON CUSTOMER DECISIONS IN CHOOSING ISLAMIC BANKS WITH ATTITUDES AND TRUST AS INTERVENING VARIABLES IN LHOKSEUMAWE CITY Puteh, Anwar; Sukiman, Sukiman; Yafiz, Muhammad
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 1 No. 2 (2021): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v1i2.361

Abstract

The religious phenomenon of the study is fascinating to study and is associated with the concept of community behavior as consumers of a sharia-based product. Research on Studies that include the relationship between religious behavior and consumer behavior in decision-making on a product is microscale, so it attracts the interest of researchers. Religisutias is a state of understanding, obedience, a person believing in a religion embodied in the experience of values, and action under the teachings of faith in taking a favorable decision. The role of religiosity with customer attitudes and trust and its relevance to customer decisions in choosing a sharia bank. This study aims to analyze the relationship of religiosity to customer decisions in selecting a sharia bank, either directly or mediated by the variables of attitudes and trust. The conducted research n Lhokseumawe City. The collected data through a questionnaire distributed to 200 respondents. The data is processed by Path Analysis using the SEM program. The results prove that direct testing is obtained that (a) religiosity has a positive and significant effect on the attitudes of Islamic bank customers, and (b) has a positive effect on the trust of Islamic bank customers. (c) Influencing customers in choosing Islamic banks. (d) Attitudes influence customer decisions (e) trust affects the customer's decision in choosing an Islamic bank. Indirect testing (path) shows (f) religiosity also influences customer decisions in choosing Islamic banks through attitude as an intervening variable. (g) Influence on customer decisions in determining Islamic banks through trust as an intervening variable. The results strengthened Kinsmen's behavioral theory and previous empirical findings that religiosity is an essential predictor of consumer behavior, especially decision-making. A person's attitudes and trusts based on religious values that he trusts are predictors that direct his behavior to purchase a product. The benefits of this study can recommend that Islamic banking needs to provide services and provide superior products. Improving service quality such as contracts under sharia will affect customer attitudes and behavior and are expected to maintain customer consistency to be loyal in using sharia bank services. attitudes and trusts based on religious values that he trusts are predictors that direct his behavior to purchase a product. The benefits of this study can recommend that Islamic banking needs to provide services and provide superior products. Improving service quality such as contracts under sharia will affect customer attitudes and behavior and are expected to maintain customer consistency to be loyal in using sharia bank services. attitudes and trusts based on religious values that he trusts are predictors that direct his behavior to purchase a product. The benefits of this study can recommend that Islamic banking needs to provide services and provide superior products. Improving service quality such as contracts under sharia will affect customer attitudes and behavior and are expected to maintain customer consistency to be loyal in using sharia bank services.
Co-Authors Adela Putri, Sania Affandi, Faisal Aini, Rija Amanda, Feby Aulia AMELIA, MAYA Anggraini, Tessa Annisa, Wan Nurul Fatin Aqwa Naser Daulay Arnida Wahyuni Lubis Atiqah, Siti Nurul Azhari Akmal Tarigan Azzahara, Revika Viola Batubara, Maryam Batubara, Yennika Bi Rahmani, Nur Ahmadi Cynthiasari, Vina Daulay, Aqwa Nasser Desmadi Saharuddin, Desmadi Dharma, Budi EKA FADHILA Habibi, Adnan Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasfizetty, Idzni Hutabarat, Sauril Rahmadi Ismail Kamal Rokan, Musthapa Kamilah, Kamilah Khinaya, Mutiara Luis, Muhammad Manurung, Nurlatifah Marliyah Marliyah, Marliyah Marni, Dina Mubarok, Ibnu Rizal Muhammad Arif Nasution, Amalia Nasution, Hairatunnisa Nasution, Muhammad Irwan Padli Nasution, Sariati Nasution, Yasir Nawir Yuslem, Nawir Ningrum, Laila Dwi Noor, Atikah Nuri Aslami Nurul Jannah Padang, Abdul Muin Akmal Prasektiyo, Agung Puteh, Anwar Putri Agustina Qarni, Waizul Riska Amelia Ritonga, Mirwansyah Saparuddin Siregar Sarmiana Batubara Selayan, Asyaadatun Nazila Septiani, Bella Virnadya Setiani, Henni Shofia, Putri Anis Sukiman Sukiman Syahputri, Rima Rizki Syarbaini, Ahmad Muhaisin B. Tuti Anggraini Wahyu Syarvina Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuni, Ika Darma