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The consumers’ commitment and materialism on Islamic banking: the role of religiosity

Junaidi Junaidi (Department of Accounting, Universitas Muhammadiyah Palopo, Palopo, Indonesia)
Ready Wicaksono (Department of Accounting, Sekolah Tinggi Ilmu Ekonomi Balikpapan, Balikpapan, Indonesia)
Hamka Hamka (Department of Psychology, Universitas Muhammadiyah Kalimantan Timur, Samarinda, Indonesia)

Journal of Islamic Marketing

ISSN: 1759-0833

Article publication date: 3 June 2021

Issue publication date: 24 June 2022




This paper aims to investigate whether and how religiosity (e.g. extrinsic and intrinsic) influences the mediator variables (consumers’ commitment and materialism) in the Islamic bank consumers context. It also examines how the mediators should be influence consumers’ preferences.


In total, 658 Muslim people and Islamic bank consumers were recruited for a survey study and structural equation modeling was used to test the research hypotheses.


The empirical results indicate that religiosity (e.g. extrinsic and intrinsic) has significant and positive effects on consumers’ commitment and materialism, whereas intrinsic religiosity has no significant effect on consumers’ commitment which subsequently influences consumers’ preference. Furthermore, mediator variables (e.g. consumers’ commitment and consumers’ materialism) have partial mediators between religiosity and consumers’ preferences.

Research limitations/implications

The current study was limited to Indonesian Muslim people; there is a future need to study consumers’ attitudes and engagement in religious products and services (e.g. Islamic brands). It is can help practitioners, regulators and researchers to observe the dynamic behavior to elaborate on the impact of religion and Islamic products on consumers’ preference.

Practical implications

The bank managers and regulators should enhance the information of products and services Islamic banks and the difference principle between conventional banks. Moreover, enlighten the consumers about the principle operation of Islamic banks from the perspective of marketing and religiosity.


This study contributes to consumers’ behavior literature and, specifically, for the decision-making process through developing and testing a model of religious determinants toward Islamic bank products, as well as offers new insights into the determinants of religion and consumers’ decision process toward Islamic banking.



Junaidi, J., Wicaksono, R. and Hamka, H. (2022), "The consumers’ commitment and materialism on Islamic banking: the role of religiosity", Journal of Islamic Marketing, Vol. 13 No. 8, pp. 1786-1806.



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