Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling

Although being populated by the largest number of Muslims in the world, the market share of Islamic Banking in Indonesia is only five percent of its total banking system. Hence, the quest to attract more Islamic banking customers is a major challenge to Indonesian banks. Few studies have used Theory...

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Main Author:	Syamsudin, Reni
Format:	Thesis
Language:	eng eng
Published:	2016
Subjects:	HG Finance
Online Access:	https://etd.uum.edu.my/6189/1/s91085_01.pdf https://etd.uum.edu.my/6189/2/s91085_02.pdf
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id	my-uum-etd.6189
record_format	uketd_dc
institution	Universiti Utara Malaysia
collection	UUM ETD
language	eng eng
advisor	Ahmad, Nor Hayati Md Rus, Rohani
topic	HG Finance
spellingShingle	HG Finance Syamsudin, Reni Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling
description	Although being populated by the largest number of Muslims in the world, the market share of Islamic Banking in Indonesia is only five percent of its total banking system. Hence, the quest to attract more Islamic banking customers is a major challenge to Indonesian banks. Few studies have used Theory of Reasoned Action (TRA), and Theory of Planned Behaviour (TPB) to identify factors influencing customers‟ intention and bank selection. This study aims to fulfil this gap by investigating the constructs of TRA, and TPB (attitude, subjective norm) with additional five new variables; pricing of product and services, religion, knowledge, technology support and government support on customers‟ intention and Islamic bank selection. Questionnaires were sent to 375 respondents of bank customers in West, Centre, and East regions of Indonesia. Using Partial Least Square Structural Equation Modelling, the extended model explains 48.8 percent of the total variance in intention. Attitude, subject norm, religion, knowledge and government support are found to have significant and positive influence on intention except for pricing. Using intention as a mediator, the model explains fifty one percent of the variation in bank selection. The result shows that intention positively and significantly mediates the relationship between attitude, subjective norm, religion, and knowledge with Islamic bank selection. Government support is found insignificant but positively related. Under the mediation effect, pricing becomes significant but negatively related to selection. The results imply that Indonesian Islamic banks should offer products at competitive prices to attract more customers. More importantly, Indonesian Islamic banks need to create strong intention by developing positive customers‟ attitude towards Islamic banking through greater dissemination of knowledge, peer and family reference and Syariah compliance. In conclusion, the results of PLS-SEM support the application of TRA and TPB theories to enhance Islamic banking selection in Indonesia.
format	Thesis
qualification_name	Ph.D.
qualification_level	Doctorate
author	Syamsudin, Reni
author_facet	Syamsudin, Reni
author_sort	Syamsudin, Reni
title	Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling
title_short	Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling
title_full	Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling
title_fullStr	Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling
title_full_unstemmed	Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling
title_sort	factors influencing in islamic banking selection in indonesia using partial least square-structural equation modelling
granting_institution	Universiti Utara Malaysia
granting_department	Othman Yeop Abdullah Graduate School of Business
publishDate	2016
url	https://etd.uum.edu.my/6189/1/s91085_01.pdf https://etd.uum.edu.my/6189/2/s91085_02.pdf
_version_	1776103683414556672
spelling	my-uum-etd.61892023-03-09T03:07:36Z Factors influencing in Islamic banking selection in Indonesia using partial least square-structural equation modelling 2016 Syamsudin, Reni Ahmad, Nor Hayati Md Rus, Rohani Othman Yeop Abdullah Graduate School of Business Othman Yeop Abdullah Graduate School of Business HG Finance Although being populated by the largest number of Muslims in the world, the market share of Islamic Banking in Indonesia is only five percent of its total banking system. Hence, the quest to attract more Islamic banking customers is a major challenge to Indonesian banks. Few studies have used Theory of Reasoned Action (TRA), and Theory of Planned Behaviour (TPB) to identify factors influencing customers‟ intention and bank selection. This study aims to fulfil this gap by investigating the constructs of TRA, and TPB (attitude, subjective norm) with additional five new variables; pricing of product and services, religion, knowledge, technology support and government support on customers‟ intention and Islamic bank selection. Questionnaires were sent to 375 respondents of bank customers in West, Centre, and East regions of Indonesia. Using Partial Least Square Structural Equation Modelling, the extended model explains 48.8 percent of the total variance in intention. Attitude, subject norm, religion, knowledge and government support are found to have significant and positive influence on intention except for pricing. Using intention as a mediator, the model explains fifty one percent of the variation in bank selection. The result shows that intention positively and significantly mediates the relationship between attitude, subjective norm, religion, and knowledge with Islamic bank selection. Government support is found insignificant but positively related. Under the mediation effect, pricing becomes significant but negatively related to selection. The results imply that Indonesian Islamic banks should offer products at competitive prices to attract more customers. More importantly, Indonesian Islamic banks need to create strong intention by developing positive customers‟ attitude towards Islamic banking through greater dissemination of knowledge, peer and family reference and Syariah compliance. In conclusion, the results of PLS-SEM support the application of TRA and TPB theories to enhance Islamic banking selection in Indonesia. 2016 Thesis https://etd.uum.edu.my/6189/ https://etd.uum.edu.my/6189/1/s91085_01.pdf text eng public https://etd.uum.edu.my/6189/2/s91085_02.pdf text eng public Ph.D. doctoral Universiti Utara Malaysia Al- Quranul Karim. Abbas, S. Z. M., Hamid, M. A. A., Joher, H., & Ismail, S. (2003). 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