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Knowledge, Religiosity, and Saving Intention: The Mediating Role of Attitude in Islamic Banks

ETIKONOMI · Vol. 25 No. 2 (2026)

DOI
10.15408/etk.v25i2.41631
ISSN
2461-0771, 1412-8969
Terbit
2026-09-28
Penerbit
Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Research originality: This study extends the Theory of Planned Behavior (TPB) by positioning knowledge and religiosity as explicit antecedents of attitude and clarifying the psychological pathways underlying Islamic saving decisions. Research objectives: This study investigated the role of knowledge and religiosity in shaping attitudes and evaluated the extended TPB model's effectiveness in predicting saving intentions and actual behavior. Research methods: Data from 392 banking customers in Central Java, Indonesia, were analyzed using Structural Equation Modeling – Partial Least Squares (SEM-PLS) to test the hypothesized structural relationships. Empirical result: Knowledge and religiosity significantly influenced attitudes. Attitude fully and partially mediated the knowledge-intention and religiosity-intention links, respectively. Saving intentions, driven primarily by attitudes and subjective norms, significantly affected actual behavior. Implications: Policymakers should focus on integrated financial-religious education and simplified access to banking to cultivate positive attitudes and effectively convert intentions into actual participation in Islamic banking. JEL Classification: G21, D91, E21, Z12

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  • Cenderawasih University
  • Hasanuddin University
  • State University of Malang
  • Universitas Gajayana Malang
  • Universitas Muhammadiyah Metro
  • Universiti Utara Malaysia
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Rekan penulisOrganisasiArtikel bersama
Gunadi GunadiUniversitas Gajayana Malang4
Widyatmani Sih DewiAfiliasi tidak diketahui4
Supriyadi SupriyadiAfiliasi tidak diketahui4
Sri HartatiAfiliasi tidak diketahui4
Sudadi SudadiAfiliasi tidak diketahui3
Istadi IstadiAfiliasi tidak diketahui3
Luqman BuchoriAfiliasi tidak diketahui3
Retno RosariastutiAfiliasi tidak diketahui3
Muhammad Isran RamliHasanuddin University2
Ibnu SiswantoAfiliasi tidak diketahui2
Ni Wayan Anik LeanaAfiliasi tidak diketahui2
Eka OktavianiAfiliasi tidak diketahui2
Triyanto TriyantoAfiliasi tidak diketahui2
Yenny Aman SerahAfiliasi tidak diketahui2
Resmaya Agnesia Mutiara SiraitAfiliasi tidak diketahui2
Agustinus AstonoAfiliasi tidak diketahui2
Saifullah IdrisAfiliasi tidak diketahui2
Ongko CahyonoAfiliasi tidak diketahui2
Budiyono BudiyonoAfiliasi tidak diketahui2
Sumani SumaniAfiliasi tidak diketahui2
Denny Nugroho SugiantoAfiliasi tidak diketahui2
Muliyadi MuliyadiAfiliasi tidak diketahui2
Sri SumiyatiAfiliasi tidak diketahui2
Rosye H.R. TanjungCenderawasih University1
Suriani Br. SurbaktiCenderawasih University1
Dian Dwi Apriliyani ArsdinHasanuddin University1
Nuzul HidayatAfiliasi tidak diketahui1
SUDIRMAN SUDIRMANState University of Malang1
Nego LinuhungUniversitas Muhammadiyah Metro1
Sukoriyanto SukoriyantoState University of Malang1
Mohd Isha AwangUniversiti Utara Malaysia1
Agus Puji PrasetyonoAfiliasi tidak diketahui1
Sudarwanto SudarwantoAfiliasi tidak diketahui1
Atha Fawwaz RudiyantoAfiliasi tidak diketahui1
Nuroktav AdeAfiliasi tidak diketahui1
Retna SusantiAfiliasi tidak diketahui1
Dwi Ayu Lutfiana AmaliaAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) http://journal.uinjkt.ac.id/index.php/etikonomi/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Knowledge, Religiosity, and Saving Intention: The Mediating Role of Attitude in Islamic Banks</dc:title>
	<dc:creator xml:lang="en">Purwanto, Purwanto</dc:creator>
	<dc:creator xml:lang="en">Dasuki, Ali Ibrahim</dc:creator>
	<dc:creator xml:lang="en">ZA, Tabrani</dc:creator>
	<dc:subject xml:lang="en">knowledge</dc:subject>
	<dc:subject xml:lang="en">religiosity</dc:subject>
	<dc:subject xml:lang="en">saving behavior</dc:subject>
	<dc:subject xml:lang="en">Islamic banks</dc:subject>
	<dc:subject xml:lang="en">theory of planned behavior</dc:subject>
	<dc:description xml:lang="en">Research originality: This study extends the Theory of Planned Behavior (TPB) by positioning knowledge and religiosity as explicit antecedents of attitude and clarifying the psychological pathways underlying Islamic saving decisions.
Research objectives: This study investigated the role of knowledge and religiosity in shaping attitudes and evaluated the extended TPB model's effectiveness in predicting saving intentions and actual behavior.
Research methods: Data from 392 banking customers in Central Java, Indonesia, were analyzed using Structural Equation Modeling – Partial Least Squares (SEM-PLS) to test the hypothesized structural relationships.
Empirical result: Knowledge and religiosity significantly influenced attitudes. Attitude fully and partially mediated the knowledge-intention and religiosity-intention links, respectively. Saving intentions, driven primarily by attitudes and subjective norms, significantly affected actual behavior.
Implications:  Policymakers should focus on integrated financial-religious education and simplified access to banking to cultivate positive attitudes and effectively convert intentions into actual participation in Islamic banking.
JEL Classification: G21, D91, E21, Z12</dc:description>
	<dc:publisher xml:lang="en">Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta</dc:publisher>
	<dc:date>2026-09-28</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">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/41631</dc:identifier>
	<dc:identifier>10.15408/etk.v25i2.41631</dc:identifier>
	<dc:source xml:lang="en">ETIKONOMI; Vol. 25 No. 2 (2026)</dc:source>
	<dc:source>2461-0771</dc:source>
	<dc:source>1412-8969</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/41631/19939</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Purwanto Purwanto, Ali Ibrahim Dasuki, Tabrani ZA</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>