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All Journal JURNAL PENDIDIKAN TAMBUSAI QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Hermeneutika : Jurnal Hermeneutika Journal Islamic Economics Ad Diwan TRIMAS: Jurnal Inovasi dan Pengabdian Kepada Masyarakat An Nuqud: Journal of Islamic Economics Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Abdul Aziz
Institut Ummul Quro Al Islami Bogor
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Pengkajian Kebiasaan Konsumen Muslim Terhadap Niat Menggunakan Produk Perbankan Syariah di Kabupaten Bogor Abdul Aziz
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.6344

Abstract

This study aims to analyse customer behaviour in saving in Islamic banking using the Theory of Planned Behavior (TPB) framework which is extended with religiosity variables to increase the external validity of the model and understand consumer behaviour more comprehensively. The method used is quantitative research with causality analysis through the Structural Equation Modeling (SEM) approach using LISREL software version 8.70, based on data from 180 respondents. The results showed that people's positive attitudes, subjective norms, and perceived behavioural control significantly influenced the intention to use Islamic banking products, with subjective norms as the most dominant variable. In addition, perceived convenience and ability also affect both intention and actual behaviour, while religiosity only has an impact on intention with no significant effect on actual behaviour. These findings indicate a gap between religious beliefs and actual actions in the use of Islamic banking products.
Co-Authors Abdul Husenudin Abdul Rohman Ahmad Juwaini Al-Anshori, Moh. Asep Zakaria Alfiah Natasya, Firda Alhubbufillah , Muhammad Alfi Alzakoriah, Siti Karmilah Amir Tengku Ramly Anisa Husnul Khotimah Fahmi , Ade Khoerul Febryan, Andika Gumilar, Fajar Cahya Hidayat, Muhammad Fathi Imelia , Imelia Ismaya , Ratu Diva Lutfiyah, Shifa Maulana , Salman Mohammad Muslih Nasrudin , Ryan Sari, Siti Purnama Septiani, Maulita Suryana , Silvia Viliandia, Viliandia Yusuf Al Manaanu Zakaria Al Anshori, Asep