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Factors Forming Indonesian Customers’ Attitudes and Intention towards Sharia Banking Products Before and After the COVID-19 Pandemic

Jurnal Dinamika Manajemen · Vol. 17 No. 1 (2026) · hlm. 95–114

DOI
10.15294/jdm.v17i1.38130
ISSN
2337-5434
Terbit
2026-03-01
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The objective of the research is to uncover the factors shaping customer attitudes and intentions towards using Islamic banking products in Indonesia after the COVID-19 pandemic. A preliminary study identified the factors shaping attitudes, including bank image, social norms, and compliance with Sharia law. This study also revealed differences in Indonesian customers’ intentions towards using Islamic banking products before and after the COVID-19 pandemic. Data collection used an online survey involving 479 Islamic banking customers in Indonesia. Structural Equation Modeling (SEM) was used for data analysis. The results indicate that attitudes can predict Indonesian customers’ intentions towards using Islamic banking products. The most influential factor influencing Indonesian customers’ attitudes towards using Islamic banking products is social norms. This study demonstrates the importance of reference groups and bank image in shaping attitudes and intentions, suggesting that banks should leverage these aspects to expand their customer base. This study also provides insights into individual decision-making and the importance of a social approach for banks in advertising. By confirming all TPB-related hypotheses, the study empirically validates and extends multi-attribute attitude model, Theory of Reasoned Action, Theory of Planned Behavior in the context of Sharia banking adoption after a global crisis. It demonstrates those model theories are reliable and adaptable framework for explaining Islamic financial behavior in emerging markets and during periods of economic disruption.

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  • Indonesia Open University
  • State University of Semarang
  • State University of Makassar
  • Institut Teknologi Sepuluh Nopember
  • Ministry of Environment and Forestry, Republic of Indonesia
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Zaenuri ZaenuriState University of Semarang3
Fathur RokhmanState University of Semarang3
Gunawan TjokroAfiliasi tidak diketahui3
Abdul RajagukgukAfiliasi tidak diketahui3
Rusdarti RusdartiAfiliasi tidak diketahui3
Dorojatun PrihandonoAfiliasi tidak diketahui3
Hety BudiyantiState University of Makassar2
Kardoyo KardoyoAfiliasi tidak diketahui2
Nina OktarinaAfiliasi tidak diketahui2
Widiyanto WidiyantoAfiliasi tidak diketahui2
Murwatiningsih MurwatiningsihAfiliasi tidak diketahui2
Fahrur RoziInstitut Teknologi Sepuluh Nopember2
Kresno Agus HendartoMinistry of Environment and Forestry, Republic of Indonesia1
Hendrian HendrianIndonesia Open University1
Eva Nurul VitriyaniAfiliasi tidak diketahui1
Tiyas MarhaeniAfiliasi tidak diketahui1
Ilham MasrurunAfiliasi tidak diketahui1
Faidlol IlahAfiliasi tidak diketahui1
Prita EsitaAfiliasi tidak diketahui1
Mustaghfiroh MustaghfirohAfiliasi tidak diketahui1
Sri Wiwik AnggiyaniAfiliasi tidak diketahui1
Dita YuliartiAfiliasi tidak diketahui1
Nuke Monika KristiAfiliasi tidak diketahui1
Nurul HasanahAfiliasi tidak diketahui1
Amilia Widya PangestiAfiliasi tidak diketahui1
Shanty OktaviliaAfiliasi tidak diketahui1
Souad EzzeroualiAfiliasi tidak diketahui1
Fiki PorniadiAfiliasi tidak diketahui1
Agus WahyudinAfiliasi tidak diketahui1
Dony IrawanAfiliasi tidak diketahui1
Joko SutartoAfiliasi tidak diketahui1
Supriyati SupriyatiAfiliasi tidak diketahui1
Amin YusufAfiliasi tidak diketahui1
Erlina Dewi PuspitaningrumAfiliasi tidak diketahui1
Alfi Setyo WatiAfiliasi tidak diketahui1
Eko NurcahyonoAfiliasi tidak diketahui1
Arina Tri AstutiAfiliasi tidak diketahui1

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.unnes.ac.id/journals/jdm/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Factors Forming Indonesian Customers’ Attitudes and Intention towards Sharia Banking Products Before and After the COVID-19 Pandemic</dc:title>
	<dc:creator xml:lang="en">Damayanty, Prisila</dc:creator>
	<dc:creator xml:lang="en">Yanto, Heri</dc:creator>
	<dc:creator xml:lang="en">Patiro, Shine Pintor Siolemba</dc:creator>
	<dc:subject xml:lang="en">Attitudes</dc:subject>
	<dc:subject xml:lang="en"> Image</dc:subject>
	<dc:subject xml:lang="en"> Intentions</dc:subject>
	<dc:subject xml:lang="en">Sharia Social Norms</dc:subject>
	<dc:description xml:lang="en">The objective of the research is to uncover the factors shaping customer attitudes and intentions towards using Islamic banking products in Indonesia after the COVID-19 pandemic. A preliminary study identified the factors shaping attitudes, including bank image, social norms, and compliance with Sharia law. This study also revealed differences in Indonesian customers’ intentions towards using Islamic banking products before and after the COVID-19 pandemic. Data collection used an online survey involving 479 Islamic banking customers in Indonesia. Structural Equation Modeling (SEM) was used for data analysis. The results indicate that attitudes can predict Indonesian customers’ intentions towards using Islamic banking products. The most influential factor influencing Indonesian customers’ attitudes towards using Islamic banking products is social norms. This study demonstrates the importance of reference groups and bank image in shaping attitudes and intentions, suggesting that banks should leverage these aspects to expand their customer base. This study also provides insights into individual decision-making and the importance of a social approach for banks in advertising. By confirming all TPB-related hypotheses, the study empirically validates and extends multi-attribute attitude model, Theory of Reasoned Action, Theory of Planned Behavior in the context of Sharia banking adoption after a global crisis. It demonstrates those model theories are reliable and adaptable framework for explaining Islamic financial behavior in emerging markets and during periods of economic disruption.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-03-01</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.unnes.ac.id/journals/jdm/article/view/38130</dc:identifier>
	<dc:identifier>10.15294/jdm.v17i1.38130</dc:identifier>
	<dc:source xml:lang="en">Jurnal Dinamika Manajemen; Vol. 17 No. 1 (2026): March; 95-114</dc:source>
	<dc:source>2337-5434</dc:source>
	<dc:source>10.15294/jdm.v17i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jdm/article/view/38130/8905</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Jurnal Dinamika Manajemen</dc:rights>
</oai_dc:dc>