<![CDATA[Islamic banking continues to face challenges in attracting and retaining Muslim consumers despite the growing demand for Sharia-compliant financial services. This study examines the role of intrinsic and extrinsic religiosity in shaping Muslim consumers’ preferences for Islamic banking in Indonesia, with consumer knowledge, awareness, and attitudes considered within the proposed relationship. Using a quantitative research design, data were collected through an online survey of 162 Islamic bank customers in Indonesia and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings show that extrinsic and intrinsic religiosity significantly influence consumer awareness, while intrinsic religiosity also significantly influences consumer attitudes. Consumer awareness, knowledge, and attitudes significantly affect consumer preferences. Extrinsic religiosity has a significant negative direct effect on consumer preferences, whereas the direct effect of intrinsic religiosity on preferences is not statistically significant. These findings indicate that religiosity influences Islamic banking preferences through different pathways, particularly through consumer awareness and attitudes. The study contributes to Islamic banking literature by distinguishing the effects of intrinsic and extrinsic religiosity and provides practical implications for strengthening consumer awareness and communication strategies in Islamic banking.]]>
Copyrights © 2026
