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Article
Publication date: 29 December 2022

Kasnaeny Karim, Gunawan Bata Ilyas, Zainal Abidin Umar, Muhammad Jibril Tajibu and Junaidi Junaidi

This study aims to examine the relationship between emotional bonding (e.g. brand love, brand commitment and brand trust) and consumers’ awareness and consumers loyalty to…

Abstract

Purpose

This study aims to examine the relationship between emotional bonding (e.g. brand love, brand commitment and brand trust) and consumers’ awareness and consumers loyalty to conventional and Islamic banking products in Indonesia.

Design/methodology/approach

The sample consists of 585 Muslim and bank consumers obtained through a survey study and using structural equation modeling to test the research hypotheses.

Findings

The empirical results indicate that brand love, commitment and trust have significant and positive effects on consumers’ awareness and loyalty. Furthermore, as the mediator variables, consumers’ awareness partially mediates the relationship between emotional bonding and consumers’ loyalty.

Research limitations/implications

This study was validated by Indonesian Muslims; therefore, future study is needed to validate across the region and sector.

Practical implications

This study enlightened the bank managers from a marketing and psychological context. The bank managers need to enhance the control and promote their brand and products to improve their relationship and consumers.

Originality/value

This study provided the Muslim consumers' decision-making process by developing and testing a model of emotional bonding and consumers’ perspective toward bank products.

Details

Journal of Islamic Marketing, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1759-0833

Keywords

Article
Publication date: 28 January 2022

Junaidi Junaidi, Suhardi M. Anwar, Roslina Alam, Niniek F. Lantara and Ready Wicaksono

This paper aims to investigate how extrinsic and intrinsic religiosity influences the mediator variables, such as consumers’ brand image and materialism in the Indonesian…

Abstract

Purpose

This paper aims to investigate how extrinsic and intrinsic religiosity influences the mediator variables, such as consumers’ brand image and materialism in the Indonesian banking sector (e.g. conventional and Islamic). It also examines how mediators influence consumers’ preferences.

Design/methodology/approach

The sample consists of 575 bank consumers. The experiment method was used to test the research hypotheses through three studies.

Findings

The empirical results indicate that religiosity positively affects consumers' decision-making process, precisely when bank products are based on Islamic principles. Furthermore, consumers' brand image and materialism partially mediate religiosity and consumers’ preferences.

Research limitations/implications

This study was limited to Indonesian bank consumers. Therefore, future study is needed to analyze cross-region.

Practical implications

Bank managers and regulators need to enhance Islamic banks' products and services and the varying principle between conventional banks. They also need to enlighten consumers from the perspective of business and religiosity.

Originality/value

This study contributes to consumers’ behavior literature and the decision-making process of developing and testing a model of religious determinants of consumer preference toward bank products.

Details

Journal of Islamic Marketing, vol. 14 no. 3
Type: Research Article
ISSN: 1759-0833

Keywords

Article
Publication date: 3 May 2022

Junaidi Junaidi

The purpose of study examine the relationship between religiosity, consumers’ materialism, brand fidelity, attitude and consumers’ commitment to Islamic banking products…

Abstract

Purpose

The purpose of study examine the relationship between religiosity, consumers’ materialism, brand fidelity, attitude and consumers’ commitment to Islamic banking products using evidence from Indonesia.

Design/methodology/approach

The sample consists of 658 Muslim and bank consumers obtained through a survey study and using structural equation modeling to test the research hypotheses.

Findings

The empirical results indicate that religiosity has significant and positive effects on consumers’ materialism, brand fidelity and attitude, also mediating variables. Furthermore, the mediator variables partially mediate religiosity and consumers’ commitment based on consumers’ culture theory.

Research limitations/implications

This study is validated by Indonesian Muslims; therefore, future study is required to analyze across the culture and region. It can help Islamic bank managers and scholars to observe the correlation between religion, Islamic banks products and Muslims’ commitment.

Practical implications

The current study enlightened the consumers’ Islamic bank principle operation from marketing and religiosity. The government and the shariah supervisory board need to enhance the control and promote to make sure that Islamic banking operations have compliant with Islamic law.

Originality/value

The result of this study provided the Muslim decision-making process by developing and testing a model of religious determinants toward Islamic bank products.

Details

Journal of Islamic Accounting and Business Research, vol. 13 no. 6
Type: Research Article
ISSN: 1759-0817

Keywords

Article
Publication date: 4 August 2021

Junaidi Junaidi

This research investigates how religiosity (e.g. extrinsic and intrinsic) influences consumers’ awareness and attitudes, which subsequently influences consumers…

Abstract

Purpose

This research investigates how religiosity (e.g. extrinsic and intrinsic) influences consumers’ awareness and attitudes, which subsequently influences consumers’ preferences for Muslims in the context of Islamic bank.

Design/methodology/approach

A total of 480 Islamic bank consumers were recruited for online survey study. Structural equation modeling was used to test the research hypotheses.

Findings

Extrinsic religiosity has crucial role on consumers’ awareness and consumer attitudes. However, intrinsic religiosity has less effect on consumer attitudes, whereas consumer awareness plays an important role on consumer attitudes. Furthermore, mediator variables, such as consumers’ awareness and attitudes, have partial role to mediate religiosity and consumers’ preference.

Research limitations/implications

The recent study was limited to core of one region, therefore, future studies are needed to analyze consumers’ attitude and engagement in religious products and services such as Islamic brands image.

Practical implications

The stakeholders need to collaborate action to promote Islamic banks and the varying standard between their counterparts from the perspective of business and marketing.

Originality/value

The result of this study contributes to literature which has correlation with testing religion role toward Islamic bank. It also develops a new views into the determinants factor to influence consumers’ preferences.

Details

Journal of Islamic Accounting and Business Research, vol. 12 no. 6
Type: Research Article
ISSN: 1759-0817

Keywords

Article
Publication date: 20 May 2022

Muliadi Muliadi, Mas'ud Muhammadiah, Kasma F. Amin, Kaharuddin Kaharuddin, Junaidi Junaidi, Berlin Insan Pratiwi and Fitriani Fitriani

This study aims to investigate how social capital (e.g. cognitive and relational) influences students’ trust (e.g. cognitive and affective) as mediator variables…

Abstract

Purpose

This study aims to investigate how social capital (e.g. cognitive and relational) influences students’ trust (e.g. cognitive and affective) as mediator variables, affecting students’ information sharing activity on Facebook.

Design/methodology/approach

The sample consists of 398 valid participants obtained through an online survey and using structural equation modeling (SEM) to test the research hypotheses.

Findings

The empirical results indicate that social capital has significant and positive effects on students’ trust (e.g. cognitive and affective-based trust), also mediator variables. Furthermore, the mediator variables partially mediate social capital and information sharing based on the concept of cognition-affection-behavior (CAB).

Research limitations/implications

This study was limited to Indonesian students. Therefore, future study is needed to analyze across cultures and regions. It can help practitioners, regulators and researchers to observe the dynamic behavior on the impact of social capital on social media users’ activities.

Practical implications

Education stakeholders (e.g. lecturers and teachers) can identify the students’ goal and rational concerns to improve their social capital and trust to share information. The government as a regulator needs to support students’ activities on social media to provide updated information regarding economic and social conditions during and after the COVID-19 pandemic.

Originality/value

This study contributes to the literature on virtual communities. Specifically, it considers how social capital influences trust, which subsequently affects information sharing based on the CAB context among Indonesian student’ Facebook users.

Details

VINE Journal of Information and Knowledge Management Systems, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 2059-5891

Keywords

Article
Publication date: 3 June 2021

Junaidi Junaidi, Ready Wicaksono and Hamka Hamka

This paper aims to investigate whether and how religiosity (e.g. extrinsic and intrinsic) influences the mediator variables (consumers’ commitment and materialism) in the…

Abstract

Purpose

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.

Design/methodology/approach

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.

Findings

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.

Originality/value

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.

Details

Journal of Islamic Marketing, vol. 13 no. 8
Type: Research Article
ISSN: 1759-0833

Keywords

Article
Publication date: 23 June 2020

Suhardi M. Anwar, Junaidi Junaidi, Salju Salju, Ready Wicaksono and Mispiyanti Mispiyanti

This paper aims to examine the short run and long run of Indonesia Islamic bank (IIB) contribution to economic growth over the periods 2009: Q1 – 2019: Q4. IIB is…

Abstract

Purpose

This paper aims to examine the short run and long run of Indonesia Islamic bank (IIB) contribution to economic growth over the periods 2009: Q1 – 2019: Q4. IIB is considered which supported by the largest Muslim population in the world. Deposits, financing and offices are proxy to highlight the relationship between Islamic banks and Indonesia's economic growth.

Design/methodology/approach

Through cointegration analysis, autoregressive distributed lag (ARDL), vector error correction model (VECM), variance decompositions (VDCs) and impulse response functions (IRFs), this study investigates the Islamic bank and economic growth nexus.

Findings

A significant relationship in the short-run and long-run between IIB deposits and offices and economic growth. There is evidence of a bidirectional relationship between the Islamic bank and economic growth.

Social implications

In spite of their market share less than a conventional bank. The result proved than IB a prosperous sector and has a contribution to economic growth. This address regulator must have a dedicated unit to handle IIB legal cases should it go to the court for adjudication.

Originality/value

The study role of Islamic banking contribution to economic growth in the context of Indonesia is limited. This paper is the first study that examines empirically the effect of Indonesian Islamic banks on economic growth measured by the amount of gross domestic product (GDP), financing, offices and deposits.

Details

International Journal of Islamic and Middle Eastern Finance and Management, vol. 13 no. 3
Type: Research Article
ISSN: 1753-8394

Keywords

Article
Publication date: 1 September 2014

David O’Brien and Iftekhar Ahmed

This paper draws on research conducted after the 2004 Indian Ocean Earthquake and Tsunami in Aceh, Indonesia, where more than 100,000 houses were built by various agencies…

Abstract

This paper draws on research conducted after the 2004 Indian Ocean Earthquake and Tsunami in Aceh, Indonesia, where more than 100,000 houses were built by various agencies following the massive disaster. The research reveals that the residents in Aceh rarely see their reconstruction houses as ‘complete’ and modify these houses to suit their personal needs and aspirations. The relationships between the global and regional forces that drive reconstruction agency housing procurement and production are explored, and compared with the outcomes of user-initiated modifications to the houses. From the hundreds of houses reviewed, here four houses are discussed in detail, built by the Asian Development Bank, representing a global paradigm, and Bank Mandiri, representing a regional paradigm. These houses were modified and extended to varying degrees by their residents, exemplifying the ways in which reconstruction agencies, perhaps inadvertently, empowered residents by enabling them to improve their own housing. The outcomes of this transformation process underscore the advantages of a hybrid between global and regional styles, and the desire of the reconstruction housing residents to recapture some of the local housing culture and reflect regional housing characteristics.

Details

Open House International, vol. 39 no. 3
Type: Research Article
ISSN: 0168-2601

Keywords

Article
Publication date: 15 May 2023

Naimatullah Shah, Mitho Khan Bhatti, Sadia Anwar and Bahadur Ali Soomro

This paper aims to explore the intention to adopt Islamic finance (ItIF) through the mediation of attitudes towards Islamic finance among microbusiness owners of Pakistan.

Abstract

Purpose

This paper aims to explore the intention to adopt Islamic finance (ItIF) through the mediation of attitudes towards Islamic finance among microbusiness owners of Pakistan.

Design/methodology/approach

The study is co-relational and based on cross-sectional data. The authors gathered the data from microbusiness owners through a survey questionnaire. The authors used 236 valid cases to assume the outcomes.

Findings

The results through structural equation modeling reveal a significant positive effect of the perception of Shariah compliance (PoSC), knowledge of the Islamic financial system (KoIF), religious preferences (RP) and loyalty on ItIF. Furthermore, attitude towards Islamic finance (AtIF) is a potent factor in developing the relationship between PoSC, KoIF, RP, loyalty and ItIF.

Practical implications

The study’s findings would be helpful for planners and policymakers in developing policies that favourably enhance the attitudes and intentions among individuals towards Islamic financing. The results would inspire readers to go to Islamic finance and an interest-free financial system enriched with Shariah law or Islamic obligations. The study would provide implications for the financial institutions in Pakistan and the rest of the Muslim world.

Originality/value

The study offers an apparent thoughtfulness of the empirical evidence from microbusiness owners of Pakistan. The study would provide a plausible mediating contribution of AtIF.

Details

Journal of Islamic Accounting and Business Research, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1759-0817

Keywords

Article
Publication date: 17 March 2023

Imran Mehboob Shaikh and Hanudin Amin

This study aims to investigate the customer’s willingness to participate in family takaful using the theory of interpersonal behaviour (TIB) in Pakistan.

Abstract

Purpose

This study aims to investigate the customer’s willingness to participate in family takaful using the theory of interpersonal behaviour (TIB) in Pakistan.

Design/methodology/approach

For this study, purposive sampling was used, and 310 useable questionnaires were received from the respondents who were postgraduate students, non-users of family takaful. The respondents are residing in the largest city of Pakistan, which is Karachi. The software Analysis of Moments Structures (AMOS v.25) was used to analyse the data.

Findings

The findings of this study reveal that awareness, affect, facilitating conditions and religious obligation are pivotal in determining the customers’ intention to purchase family takaful products. In addition, perceived risk and social factors are found not to be significant predictors. Resultantly, it may also be necessary to look into the factors examined in this study and other factors that may have played a great role in the acceptance of family takaful in the case of Pakistan.

Research limitations/implications

This study is limited in terms of geographic coverage as it only covers part of Karachi city as a place of investigation, and therefore, the results cannot be generalised fully. On the same note, the sampling method can also be broadened to have the actual number of respondents for generalisability purposes. Future studies may focus on the random sampling method using cluster sampling to cover other regions and provinces for a clear picture and understanding.

Originality/value

To the best of the authors’ knowledge, this work is one of the first studies to be carried out on empirical grounds using the TIB in the context of family takaful products in Pakistan.

Details

Journal of Islamic Accounting and Business Research, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1759-0817

Keywords

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