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DETERMINANTS OF ATTITUDE AND ADOPTION INTENTION OF ISLAMIC FINANCING IN TASIKMALAYA: A BEHAVIORAL INTENTION FRAMEWORK APPROACH

Finansha: Journal of Sharia Financial Management · Vol. 6 No. 2 (2025) · hlm. 143–160

DOI
10.15575/fjsfm.v6i2.50276
ISSN
2774-2687, 2775-0868
Terbit
2025-11-25
Penerbit
UIN Sunan Gunung Djati Bandung
Bahasa
eng

Abstrak

This study explores the determinants of Muslim entrepreneurs’ intention to adopt Islamic finance in Tasikmalaya using the extended Theory of Planned Behavior (TPB). It examines the roles of religiosity, awareness, financial literacy, knowledge, attitude, subjective norms, and perceived behavioral control. A quantitative approach was applied, with purposive sampling of 250 respondents who had not previously adopted Islamic financing. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that attitude, subjective norms, and perceived behavioral control significantly shape the intention to adopt Islamic finance. Mediation analysis further reveals that attitude mediates the effects of religiosity, awareness, and financial literacy on adoption intention, whereas knowledge shows no significant influence. These findings highlight that internal factors only foster adoption intention when translated into positive attitudes toward Islamic financial products. Theoretically, this study extends TPB by incorporating religiosity, awareness, and financial literacy as essential predictors. Practically, it suggests that Islamic financial institutions should strengthen financial literacy programs, emphasize religious values, and enhance awareness campaigns to build favorable attitudes and increase adoption. Although limited to one region and a cross-sectional design, the study lays a foundation for future research using longitudinal approaches and exploring additional variables such as trust and perceived risk.

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23 penulis · 49 tautan kepenulisan bersama · 19 lintas organisasi

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  • Siliwangi University
  • Sunan Gunung Djati State Islamic University Bandung
  • Sunan Kalijaga State Islamic University Yogyakarta
  • University of Indonesia
  • Sakarya University
  • Universitas Islam Negeri Maulana Malik Ibrahim
  • Universitas Gadjah Mada
  • Organisasi lain
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  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Abdul QoyumSunan Kalijaga State Islamic University Yogyakarta3
Irdan NurdiansyahSunan Gunung Djati State Islamic University Bandung2
Hamdan FathoniAfiliasi tidak diketahui2
Biki Zulfikri RahmatSiliwangi University2
Dian FriantoroSiliwangi University2
Muhammad Dzulfaqori JatnikaSiliwangi University2
Hendy Mustiko AjiIslamic University of Indonesia2
Andri Helmi MunawarSiliwangi University1
Yuyun YuniasihSiliwangi University1
Dian HadianiAfiliasi tidak diketahui1
Dara Siti NurjanahAfiliasi tidak diketahui1
Ahmad Faiz IzzuddinUniversitas Islam Negeri Maulana Malik Ibrahim1
Ridwan AlamsyahSunan Gunung Djati State Islamic University Bandung1
Alya Azhana MaulidhaSunan Gunung Djati State Islamic University Bandung1
Muhamad TanziSunan Gunung Djati State Islamic University Bandung1
Nor Nabilla MuhammadSunan Kalijaga State Islamic University Yogyakarta1
Rizqi Umar Al HashfiUniversitas Gadjah Mada1
Farokhah Muzayinatun NiswahUniversity of Indonesia1
Diah Ayu LegowatiUniversity of Indonesia1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/finansha/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">DETERMINANTS OF ATTITUDE AND ADOPTION INTENTION OF ISLAMIC FINANCING IN TASIKMALAYA: A BEHAVIORAL INTENTION FRAMEWORK APPROACH</dc:title>
	<dc:creator>Andani, Listia</dc:creator>
	<dc:creator>Mutmainah, Lu'liyatul</dc:creator>
	<dc:creator>Hidayat, Deny</dc:creator>
	<dc:creator>Berakon, Izra</dc:creator>
	<dc:subject xml:lang="en-US">Behavioral Intention</dc:subject>
	<dc:subject xml:lang="en-US">Financial Literacy</dc:subject>
	<dc:subject xml:lang="en-US">Islamic Financing</dc:subject>
	<dc:subject xml:lang="en-US">Religiosity</dc:subject>
	<dc:subject xml:lang="en-US">Theory of Planned Behavior</dc:subject>
	<dc:description xml:lang="en-US">This study explores the determinants of Muslim entrepreneurs’ intention to adopt Islamic finance in Tasikmalaya using the extended Theory of Planned Behavior (TPB). It examines the roles of religiosity, awareness, financial literacy, knowledge, attitude, subjective norms, and perceived behavioral control. A quantitative approach was applied, with purposive sampling of 250 respondents who had not previously adopted Islamic financing. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that attitude, subjective norms, and perceived behavioral control significantly shape the intention to adopt Islamic finance. Mediation analysis further reveals that attitude mediates the effects of religiosity, awareness, and financial literacy on adoption intention, whereas knowledge shows no significant influence. These findings highlight that internal factors only foster adoption intention when translated into positive attitudes toward Islamic financial products. Theoretically, this study extends TPB by incorporating religiosity, awareness, and financial literacy as essential predictors. Practically, it suggests that Islamic financial institutions should strengthen financial literacy programs, emphasize religious values, and enhance awareness campaigns to build favorable attitudes and increase adoption. Although limited to one region and a cross-sectional design, the study lays a foundation for future research using longitudinal approaches and exploring additional variables such as trust and perceived risk.</dc:description>
	<dc:publisher xml:lang="en-US">UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2025-11-25</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/finansha/article/view/50276</dc:identifier>
	<dc:identifier>10.15575/fjsfm.v6i2.50276</dc:identifier>
	<dc:source xml:lang="en-US">Finansha: Journal of Sharia Financial Management; Vol. 6 No. 2 (2025): Finansha: Journal of Sharia Financial Management ; 143-160</dc:source>
	<dc:source>2774-2687</dc:source>
	<dc:source>2775-0868</dc:source>
	<dc:source>10.15575/fjsfm.v6i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/finansha/article/view/50276/15532</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2025 Listia Andani, Lu'liyatul Mutmainah, Deny Hidayat, Izra Berakon</dc:rights>
</oai_dc:dc>