Analisis Perilaku Masyarakat Dalam Mengadopsi Layanan Perbankan Syariah: Pendekatan Theory Of Reasoned Action (Tra)

  • Sahril R Torano Institut Agama Islam As Siddiq Kie Raha Maluku Utara
  • Sitti Marwa Kharie Universitas Pasifik Morotai
Keywords: Perbankan syariah, Religiositas, Sikap, Theory of Reasoned Action

Abstract

Penelitian ini dilakukan untuk menguji bagaimana pengetahuan dan tingkat religiositas berpengaruh terhadap kebiasaan menabung di bank syariah yang digunakan oleh komunitas Muslim. Data dikumpulkan dari masyarakat yang memanfaatkan jasa perbankan syariah di Kota Ternate. Sebanyak 165 data berhasil dikumpulkan selama periode penelitian. Dilakukan analisis Structural Equation Model Partial Least Square (SEM-PLS) untuk menguji keabsahan (validitas dan reliabilitas) serta menguji hipotesis dalam penelitian ini. Temuan utama menunjukkan bahwa pengetahuan dan religiositas mampu menjelaskan sikap terhadap bank syariah di kalangan masyarakat Muslim. Pengetahuan adalah faktor yang paling kuat dalam mempengaruhi sikap. Sikap pada akhirnya mempengaruhi niat Muslim untuk memanfaatkan jasa perbankan syariah di Kota Ternate. Temuan penelitian ini memberikan bukti empiris bahwa sikap adalah faktor yang paling dominan dalam memengaruhi niat masyarakat Muslim untuk menggunakan layanan perbankan syariah. Temuan ini memiliki implikasi penting bagi pemasar bank syariah, karena mereka dapat meningkatkan pengetahuan yang cukup dan menonjolkan nilai-nilai keagamaan dalam upaya memasarkan produk perbankan syariah.

References

Abdullahi, A., & Othman, A. H. A. (2021). Financial inclusion enhancement through the adoption of Islamic microfinance in Nigeria. International Journal of Ethics and Systems, 37(3), 486–505.

Ajzen, I. (1991). The Theory of Planned Behaviour. Organizational Behavior and Human Decision Processes, 50, 179–211.

Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Human Behavior and Emerging Technologies, 2(4), 314–324.

Andrade, C. (2021). The Inconvenient Truth About Convenience and Purposive Samples. Indian Journal of Psychological Medicine, 43(1), 86–88.

Awn, A. M., & Azam, S. M. F. (2020). The Influence of Attitude And Subjective Norm On Intention To Invest In Islamic Bonds [Bonds (Sukuk)]: A Study of Libyan Investors. International Journal of Business Society, 4(4), 27–33.

Aziz, S., & Afaq, Z. (2018). Adoption of Islamic banking in Pakistan an empirical investigation. Cogent Business and Management, 5(1), 1–33.

Bananuka, J., Kasera, M., Muganga, G. N., Musimenta, D., Ssekiziyivu, B., & Kimuli, S. N. L. (2020). Attitude: Mediator of subjective norm, religiosity and intention to adopt Islamic banking. Journal of Islamic Marketing, 11(1), 81–96.

Barbera, F. L., & Ajzen, I. (2020). Control interactions in the theory of planned behavior: Rethinking the role of subjective norm. Europe’s Journal of Psychology, 16(3), 401–417.

Bohari, N. F., Parakkasi, I., & Sofyan, A. S. (2023). Faktor-Faktor Yang Mempengaruhi Keputusan Belanja Busana Muslimah Secara Online Selama Pandemi Covid-19 di Kelurahan Caile Kabupaten Bulukumba. Adz Dzahab:Jurnal Ekonomi Dan Bisnis Islam, 8(1), 85–96.

Charag, A. H., Fazili, A. I., & Bashir, I. (2020). Determinants of consumer’s readiness to adopt Islamic banking in Kashmir. Journal of Islamic Marketing, 11(5), 1125–1154.

Dash, G., & Paul, J. (2021). CB-SEM vs PLS-SEM methods for research in social sciences and technology forecasting. Technological Forecasting and Social Change, 173, 121092.

Effendi, I., Murad, M., Rafiki, A., & Lubis, M. M. (2020). The application of the theory of reasoned action on services of Islamic rural banks in Indonesia. Journal of Islamic Marketing, 12(5), 951–976.

Essoo, N., & Dibb, S. (2004). Religious Influences on Shopping Behaviour : An Exploratory Study. Journal of Marketing Management, 20(7), 683–712.

Ezeh, P. C., & Nkamnebe, A. (2021). Predictors of Islamic bank adoption: Nigerian perspective. International Journal of Islamic and Middle Eastern Finance and Management, 14(2), 247–267.

Ghozali, I., & Latan, H. (2015). Partial Least Square Konsep, Teknik, dan Aplikasi Menggunakan Program SmartPLS 3.0 untuk Penelitian Empiris. Semarang: Badan Penerbit Universitas Diponegoro.

Irianto, E. A. (2023). Pengguna Rekening Perbankan Syariah di Malut Tumbuh 12,39 Persen. Retrieved from https://www.rri.co.id/ternate/bisnis/238935/pengguna-rekening-perbankan-syariah-di-malut-tumbuh-12-39-persen

Jamshidi, D., & Kazemi, F. (2020). Innovation Diffusion Theory and Customers’ Behavioral Intention for Islamic Credit Card: Implications for Awareness and Satisfaction. Journal of Islamic Marketing, 11(6), 1245–1275.

Junaidi, J., Wicaksono, R., & Hamka, H. (2021). The consumers’ commitment and materialism on Islamic banking: the role of religiosity. Journal of Islamic Marketing, 01(01), 1–21.

Kock, N., & Hadaya, P. (2018). Minimum sample size estimation in PLS-SEM: The inverse square root and gamma-exponential methods. Information Systems Journal, 28(1), 1–37.

Kosnia, T. E., & Canggih, C. (2022). Pengaruh Pengetahuan, Religiusitas, Motivasi Serta Persepsi Terhadap Keputusan Mahasiswa Memilih Bank Syariah (Studi Pada Mahasiswa Ekonomi Islam Jawa Timur). Adz-Dzahab: Jurnal Ekonomi Dan Bisnis Islam, 7(2), 145–159.

Law, L., & Fong, N. (2020). Applying partial least squares structural equation modeling (PLS-SEM) in an investigation of undergraduate students’ learning transfer of academic English. Journal of English for Academic Purposes, 46, 100884.

Maryam, S. Z., Ahmad, A., Aslam, N., & Farooq, S. (2021). Reputation and cost benefits for attitude and adoption intention among potential customers using theory of planned behavior: an empirical evidence from Pakistan. Journal of Islamic Marketing, 01(01), 1–18.

Maulana, H., Razak, D. A., & Adeyemi, A. A. (2018). Factors influencing behaviour to participate in Islamic microfinance. International Journal of Islamic and Middle Eastern Finance and Management, 11(1), 109–130.

Mbawuni, J., & Nimako, S. G. (2018). Muslim and non-Muslim consumers’ perception towards introduction of Islamic banking in Ghana. Journal of Islamic Accounting and Business Research, 9(3), 353–377.

Md-Husin, M., & Ab-Rahman, A. (2016). Do Muslims Intend to Participate in Islamic Insurance? Analysis from Theory of Planned Behaviour. Journal of Islamic Accounting and Business Research, 7(1), 42–58.

Ngali, F., Purwanto, P., & Fitriyani, Y. (2022). Analisis Perilaku Generasi Digital Native Terhadap Bank Syariah. Al-Intaj : Jurnal Ekonomi Dan Perbankan Syariah, 8(2), 197–211.

Oladapo, I. A., Omar, N., Muda, R., & Abdurraheem, A. A. (2019). The mediating effect of attitude on customers’ behavioural intention to participate in Islamic banking: Empirical evidence. International Journal of Financial Research, 10(5), 167–180.

Ouafy, S. El, & Chakir, A. (2015). The Impact of Religiosity in Explanation of Moroccan Very Small Businesses Behaviour Toward Islamic Financial Products. IOSR Journal of Business and Management, 17(7), 2319–7668.

Permana, D. (2019). Recognizing the Islamic banking consumer behaviour from the perspective of product knowledge, brand awareness and attitude. Journal of Marketing and Consumer Research, 61(2012), 16–22.

Purwanto, P. (2021). Society attitudes and intentions to use products in sharia bank of Aceh : The role of religiosity and social influence. ABAC Journal, 41(2), 223–242.

Ramdhani, N. (2016). Penyusunan Alat Pengukur Berbasis Theory of Planned Behavior. Buletin Psikologi, 19(2), 55–69.

Sholihin, M., & Ratmono, D. (2013). Analisis SEM-PLS dengan WarpPLS 3.0 untuk hubungan nonlinier dalam penelitian sosial dan bisnis. Yogyakarta: Andi.

Umar, U. ., Mas’ud, A., & Matazu, S. . (2021). Direct and indirect effects of customer financial condition in the acceptance of Islamic microfinance in a frontier market. Journal of Islamic Marketing.

Wardana, M. A., Rahyuda, I. K., Sukaatmadja, I. P. G., & Gintari, I. G. A. K. (2021). Antecedents and consequences of intention to become a customer: A case study of Islamic banks in Indonesia. Journal of Asian Finance, Economics and Business, 8(4), 827–839.

Yati, H. R., Purwanto, & Alfianto, A. N. (2023). Pengetahuan dan Religiusitas Terhadap Niat Nasabah Menggunakan Produk Pembiayaan Pada Bank Wakaf Mikro. ARBITRASE: Journal of Economics and Accounting, 3(3), 622–628.

Yeniaras, V., & Akarsu, T. N. (2017). Religiosity and Life Satisfaction: A Multi-dimensional Approach. Journal of Happiness Studies, 18(6), 1–17.

Published
2023-10-31