2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank
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| country | Malaysia |
| date | 2024-07-17 14:41 |
| format | General Document |
| id | 16465 |
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| originalfilename | THE INFLUENCE OF KNOWLEDGE LEVEL, PERCEPTION, AND RELIGIOSITY ON CONSUMER INTENTION TO ADOPT FINANCING PRODUCTS IN NUSA TENGGARA BARAT SHARIA BANK (MASTER_2024).pdf |
| person | PDFsam Basic v5.2.4 Urwatul Wusqo |
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| resourceurl | https://intelek.unisza.edu.my/intelek/pages/view.php?ref=16465 |
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| spelling | 16465 https://intelek.unisza.edu.my/intelek/pages/view.php?ref=16465 https://intelek.unisza.edu.my/intelek/pages/search.php?search=!collection3 General Document Malaysia Library Staff (Top Management) Library Staff (Management) Library Staff (Support) Terengganu Faculty of Islamic Contemporary Studies English application/pdf 1.5 Server storage Scanned document Universiti Sultan Zainal Abidin UniSZA Private Access Universiti Sultan Zainal Abidin SAMBox 3.0.10; modified using iTextSharp™ 5.5.10 ©2000-2016 iText Group NV (AGPL-version) PDFsam Basic v5.2.4 Copyright©PWB2025 Islam—Doctrines 221 Faith (Islam) Dissertations, Academic 2024-07-17 14:41 THE INFLUENCE OF KNOWLEDGE LEVEL, PERCEPTION, AND RELIGIOSITY ON CONSUMER INTENTION TO ADOPT FINANCING PRODUCTS IN NUSA TENGGARA BARAT SHARIA BANK (MASTER_2024).pdf Urwatul Wusqo Consumer Intention Adopt Financing Products Nusa Tenggara Barat Sharia Bank 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank The increasing demand for Sharia-compliant financial services has led to the expansion of the sharia banking service network in Nusa Tenggara Barat (NTB) province, Indonesia. In 2017, according to the Department of Investment and One- Stop Integrated Services (DPMPDP), NTB province has the second-largest Muslim population in Indonesia after Aceh. Almost 95% of its population is Muslim. Despite this, the literacy index on the products and services provided by Islamic banks in Indonesia is relatively low, which is less than 10%. Whereas conventional banks are still the primary choice with 40% market penetration, and its financial inclusion rate is up to 75%. It can lead to a perception that conventional banks are superior in terms of services and fast access and relatively cost-effective as compared to Islamic banks. Hence, this study examines the factors that affect consumers adopting Islamic banking products and determines the relationship between knowledge, perceived value, and religiosity to use Nusa Tenggara Barat Islamic bank. This study used a quantitative approach. Data was collected through questionnaires via online surveys using a nonprobability purposive sampling method. This study limited the respondents to the Nusa Tenggara Barat Muslim population, who are the customers of NTB Islamic Bank. A total of 300 completed questionnaires were analyzed using multiple linear regression techniques. The results reveal that consumer knowledge has a negative and significant effect. Whereas religiosity and perceived value positively and significantly affect customer intention to use financing products at sharia NTB banks. Religiosity is an influential factor between knowledge and the consumer's perceived value in determining citizens' continuous-use intentions. The R2 determination test showed that knowledge, perception of value, and religiosity represent 83% of the factors in adopting financial products in the NTB sharia bank, whilst the remainder of 17% is other factors. To conclude, it is worth mentioning that religious factor plays the main role for NTB customers when choosing Islamic banks to serve their financial needs. Therefore, this research recommends that future exploration of marketing strategies should address religiosity and consumers' perceived value in the Islamic banking business to increase the literacy index amongst the customers in the hope that it will affect other consumer behavioural spectrums. Islamic apologetics Islamic scholars—Yemen—Biography Islamic theology—Methodology Bālifaqīh, ʻAbd al-Raḥmān—Criticism and interpretation Revealed religion (Islam) Islamic dogmatics—Sources Thesis |
| spellingShingle | 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank |
| state | Terengganu |
| subject | Islam—Doctrines Faith (Islam) Dissertations, Academic Islamic apologetics Islamic scholars—Yemen—Biography Islamic theology—Methodology Bālifaqīh, ʻAbd al-Raḥmān—Criticism and interpretation Revealed religion (Islam) Islamic dogmatics—Sources |
| summary | The increasing demand for Sharia-compliant financial services has led to the expansion of the sharia banking service network in Nusa Tenggara Barat (NTB) province, Indonesia. In 2017, according to the Department of Investment and One- Stop Integrated Services (DPMPDP), NTB province has the second-largest Muslim population in Indonesia after Aceh. Almost 95% of its population is Muslim. Despite this, the literacy index on the products and services provided by Islamic banks in Indonesia is relatively low, which is less than 10%. Whereas conventional banks are still the primary choice with 40% market penetration, and its financial inclusion rate is up to 75%. It can lead to a perception that conventional banks are superior in terms of services and fast access and relatively cost-effective as compared to Islamic banks. Hence, this study examines the factors that affect consumers adopting Islamic banking products and determines the relationship between knowledge, perceived value, and religiosity to use Nusa Tenggara Barat Islamic bank. This study used a quantitative approach. Data was collected through questionnaires via online surveys using a nonprobability purposive sampling method. This study limited the respondents to the Nusa Tenggara Barat Muslim population, who are the customers of NTB Islamic Bank. A total of 300 completed questionnaires were analyzed using multiple linear regression techniques. The results reveal that consumer knowledge has a negative and significant effect. Whereas religiosity and perceived value positively and significantly affect customer intention to use financing products at sharia NTB banks. Religiosity is an influential factor between knowledge and the consumer's perceived value in determining citizens' continuous-use intentions. The R2 determination test showed that knowledge, perception of value, and religiosity represent 83% of the factors in adopting financial products in the NTB sharia bank, whilst the remainder of 17% is other factors. To conclude, it is worth mentioning that religious factor plays the main role for NTB customers when choosing Islamic banks to serve their financial needs. Therefore, this research recommends that future exploration of marketing strategies should address religiosity and consumers' perceived value in the Islamic banking business to increase the literacy index amongst the customers in the hope that it will affect other consumer behavioural spectrums. |
| title | 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank |
| title_full | 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank |
| title_fullStr | 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank |
| title_full_unstemmed | 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank |
| title_short | 2024_The Influence Of Knowledge Level, Perception, And Religiosity On Consumer Intention To Adopt Financing Products In Nusa Tenggara Barat Sharia Bank |
| title_sort | 2024_the influence of knowledge level, perception, and religiosity on consumer intention to adopt financing products in nusa tenggara barat sharia bank |