DETERMINANTS OF FINANCING PREFERENCES IN ISLAMIC BANKING: DEVELOPMENT OF A THEORY OF PLANNED BEHAVIOR (CASE STUDY OF BANK SYARIAH YOGYAKARTA CUSTOMERS)
Keywords:
TPB, Preferences, Behavior, Financing, Islamic BanksAbstract
The purpose of this study is to analyze the determinants of financing preference behavior in Islamic banks by developing the theory of planned behavior. This study used a sample of 250 respondents from the Yogyakarta community. The methodology used is quantitative, based on the philosophy of positivism, used to generalize samples from a specific population. Data collection used a questionnaire with a Likert scale as the instrument. Quantitative analysis was used to test the established hypotheses. The analytical method used in this study was Structural Equation Modeling (SEM), a data analysis that describes structural relationships expressed by a set of equations using SmartPLS 3.0 software. The results of the analysis indicate that attitude variables have no effect on behavioral intentions to prefer financing in Islamic banks. Meanwhile, subjective norms and perceived behavioral control variables have a significant positive effect on behavioral intentions to prefer financing in Islamic banks. The results also indicate that religiosity can moderate intentions to prefer financing in Islamic banks. This means that religiosity can increase customer intentions to finance in Islamic banks. This finding suggests that some customers tend to be dissatisfied with financing products in Islamic banks. Therefore, Islamic banking must continue to strive to improve services and truly implement sharia principles in its operational activities.References
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