scholarly journals Examining Factors Influencing Customer Intention to Use Islamic Home Financing: A Study in UTM

2018 ◽  
pp. 648-653
Keyword(s):  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Subjective Norms ◽  
Intention To Use ◽  
Product Knowledge ◽  
Islamic Banks ◽  
Determinant Factors ◽  
Islamic Bank ◽  
Factors Influencing ◽  
Religious Obligation

Islamic home financing is a kind of product offered by Islamic banks, which is based on the principle of Sharia. Using the Theory of Reasoned Action (TRA) as basis, this study examine factors that influence customers intention in using Islamic home financing. 342 usable surveys are obtained from Islamic bank customers which are the staff in UTM. There are six determinant factors which are attitudes, subjective norms, religious obligation, price and product knowledge were tested. The outcomes show that attitude, religious obligation and product knowledge significantly influenced customers’ intention to use Islamic home financing while price and subjective norms are not significant. The results would help bankers to improving the strategies about the factors that they need the effective market Islamic home financing products in order to be more competitive and known to customers.

The application of the theory of reasoned action on services of Islamic rural banks in Indonesia

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ihsan Effendi ◽  
Miftahuddin Murad ◽  
Ahmad Rafiki ◽  
Mitra Musika Lubis
Keyword(s):  
Structural Equation ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Public Awareness ◽  
Sampling Technique ◽  
Equation Model ◽  
Subjective Norms ◽  
Product Knowledge ◽  
Content Type ◽  
Use Of Services

Purpose The Islamic rural banks have the potential to grow in Indonesia. It is important to learn and study the consumer behaviors toward the Islamic rural banks’ services to plan for future strategies. The purpose of this paper is to test the applicability of the theory of reasoned action in predicting the customers’ decision to use the Islamic rural banks’ services. Design/methodology/approach The descriptive and structural equation model analyses were used to analyze the data. A random sampling technique is adopted with a sample size of 180 consumers of the Islamic rural banks. There are variables to be tested such as Sharia system compliance, product knowledge on Sharia, promotion, services, attitude, subjective norms, intention and customer decisions to use the Islamic rural banks’ services. Findings The results found that the Sharia system compliance, promotion, services, attitude, subjective norms and intention variables have a significant effect on the use of services at Islamic rural banks. Only product knowledge on Sharia variable has been found to be insignificant. Originality/value The model can be used to prepare better strategies to attract more customers as well as increase public awareness toward Islamic rural banks’ products and services. The results are useful as a benchmark for policymakers to improve the establishment of Islamic rural banks particularly in Indonesia.

scholarly journals A model of factors influencing COVID-19 vaccine acceptance: A synthesis of the theory of reasoned action, conspiracy theory belief, awareness, perceived usefulness, and perceived ease of use

PLoS ONE ◽  
2022 ◽  
Vol 17 (1) ◽  
pp. e0261869
Author(s):  
Taslima Akther ◽  
Tasnima Nur
Keyword(s):  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Conspiracy Theory ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Vaccine Acceptance ◽  
Factors Influencing

The aim of this study is to investigate the key factors influencing the acceptance of COVID-19 vaccines and develop a model based on the theory of reasoned action, belief in conspiracy theory, awareness, perceived usefulness, and perceived ease of use. The authors created and distributed a self-administered online questionnaire using Google Forms. Data were collected from 351 respondents ranging in age from 19 to 30 years, studying at the graduate and postgraduate levels at various public universities in Bangladesh. The Partial Least Squares Structural Equation Modeling (PLS-SEM) method was used to analyze the data. The results indicate that belief in conspiracy theory undermines COVID-19 vaccine acceptance, thereby negatively impacting the individual attitudes, subjective norms, and acceptance. Individual awareness, on the other hand, has a strong positive influence on the COVID-19 vaccine acceptance. Furthermore, the perceived usefulness of vaccination and the perceived ease of obtaining the vaccine positively impact attitude and the acceptance of immunization. Individuals’ positive attitudes toward immunization and constructive subjective norms have a positive impact on vaccine acceptance. This study contributes to the literature by combining the theory of reasoned action with conspiracy theory, awareness, perceived usefulness, and perceived ease of use to understand vaccine acceptance behavior. Authorities should focus on campaigns that could reduce misinformation and conspiracy surrounding COVID-19 vaccination. The perceived usefulness of vaccination to prevent pandemics and continue normal education will lead to vaccination success. Furthermore, the ease with which people can obtain the vaccine and that it is free of cost will encourage students to get vaccinated to protect themselves, their families, and society.

Predicting the Intention of South African Female Students to Engage in Premarital Sexual Relations: An Application of the Theory of Reasoned Action

2003 ◽  
Vol 33 (3) ◽  
pp. 154-161 ◽  
Author(s):  
Shalini Chitamun ◽  
Gillian Finchilescu
Keyword(s):  
University Students ◽  
South African ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Subjective Norms ◽  
Female Students ◽  
Sexual Relations ◽  
Factors Influencing ◽  
Premarital Sexual ◽  
Larger Sample

The Theory of Reasoned Action (Ajzen & Fishbein, 1980) was used to investigate the factors influencing South African female students' decision on whether or not to engage in premarital sexual intercourse. The group of participants consisted of 100 female heterosexual university students who were selected from a larger sample on the basis of sexual inexperience. As anticipated by the theory, both attitudes and subjective norms were found to predict intentions, with attitudes emerging as the stronger predictor. Additional analyses revealed that the hypothesized relationship between attitudes and the cognitive bases, beliefs about the outcome of premarital sexual relations, and the evaluation of these outcomes was supported. However, contrary to the theory, subjective norms were not correlated with motivation to comply with the perceived views of salient referents. The results are discussed in the context of a society in which AIDS is epidemic.

scholarly journals The antecedents of Muslim customers’ intention to invest in an Islamic bank’s term deposits: evidence from a Muslim majority country

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sri Rahayu Hijrah Hati ◽  
Sigit Sulistiyo Wibowo ◽  
Anya Safira
Keyword(s):  
Perceived Risk ◽  
Online Survey ◽  
Perceived Value ◽  
Perceived Quality ◽  
Equation Modeling ◽  
Product Knowledge ◽  
Islamic Banks ◽  
Content Type ◽  
Islamic Bank

Purpose The purpose of this study is to examine the impacts of product knowledge, perceived quality, perceived risk and perceived value on customers’ intention to invest in Islamic Banks. This study specifically examines an Islamic bank’s term deposits. Design/methodology/approach Structural equation modeling was used to analyze the data collected from 217 customers of an Islamic bank in Indonesia using an online survey. Findings This study highlights the central and dual roles of perceived risk as both the independent and the intervening variable that mediates the relationship between product knowledge and Muslim customer intention to invest in an Islamic bank’s term deposits. Research limitations/implications This study only investigates term deposits as one type of investment in Islamic banks. This study contributes to the literature by examining the role of product knowledge, perceived quality, perceived risk and perceived value on Muslim customer intention to invest in Islamic term deposits. Practical implications The results of this study highlight the requirement for Islamic banks to educate customers to improve the depositors’ product knowledge because Muslim customers’ risk and value perception and intention are strongly influenced by product knowledge. Originality/value The investigation of perceived risk is particularly relevant for Islamic financial products because of the inherent nature of risk sharing in Islamic finance. This study investigates the role of product knowledge in influencing the Muslim customers’ perception of risk, quality, value and their intention to invest in Islamic bank term deposits. Ideally, the profit loss sharing concept (PLS) should be applied; however, in this context, revenue sharing is applied because of Indonesia’s central bank regulation.

Drivers of intention to use Murabaha financing: religiosity as moderator

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Naqeeb Ullah Atal ◽  
Mohammad Iranmanesh ◽  
Fathyah Hashim ◽  
Behzad Foroughi
Keyword(s):  
Social Influence ◽  
Reasoned Action ◽  
Intention To Use ◽  
Content Type ◽  
The Impact ◽  
Positive Effect ◽  
Moderating Role ◽  
Insight Into ◽  
Religious Obligation

Purpose The purpose of this paper is to investigate the determinants of Muslims’ attitude and intention towards Murabaha financing by considering religiosity as a moderator. Design/methodology/approach The data were collected through a survey of 373 Muslims in Afghanistan and were analysed using the partial least squares technique. Findings The results showed that social influence and religious obligation have a positive effect on attitude towards Murabaha financing. Furthermore, social influence and attitude have a positive effect on the intention to use Murabaha financing. Religiosity moderates negatively the impact of social influence on attitude towards Murabaha financing. Practical implications Managers and marketers of Islamic banks may benefit from the findings of this study, which provide insight into the factors that should be considered to promote Murabaha financing. Originality/value The findings contribute to the literature on Islamic financing products by demonstrating the drivers of attitude towards and intention to use Murabaha financing. The study also extends the literature by testing the moderating role of religiosity. Furthermore, the study extends the theory of reasoned action in the context of Islamic financing by introducing religious obligation as a potential driver of attitude and religiosity as a moderator.

The Influence of Social Interactions and Subjective Norms on Social Media Postings

2020 ◽  
Vol 19 (03) ◽  
pp. 2050023
Author(s):  
Ibrahim Arpaci
Keyword(s):  
Social Media ◽  
Theoretical Model ◽  
Social Interactions ◽  
Significant Role ◽  
Theory Of Reasoned Action ◽  
Reasoned Action ◽  
Sem Analysis ◽  
Subjective Norms ◽  
Behavioural Intentions

This study investigated the influence of social interactions and subjective norms on individuals’ social media postings. The study developed a theoretical model by extending the Theory of Reasoned Action with social interactions. A CB-SEM analysis was conducted to test the hypothesised relationships based on the data collected from 312 social media users. Results indicated that social interactions (i.e. likes, shares, comments and follows) were significantly related to the attitude towards the selfie-posting behaviour. Further, the attitude and subjective norms were significantly related to behavioural intentions, which together accounted for a significant amount of variance in the actual behaviour. The findings contributed to literature by introducing the significant role of “social interactions” in predicting the attitude towards the selfie-posting behaviour.

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