PERAN PERCEIVED SHARIAH COMPLIANCE DALAM MEMEDIASI PENGARUH ISLAMIC FINANCIAL LITERACY, TRUST, DAN SKEPTICISM TERHADAP BEHAVIORAL INTENTION MENGADOPSI BANK SYARIAH
DOI:
https://doi.org/10.23969/jp.v11i03.60581Keywords:
Islamic Financial Literacy, trust, skepticism, perceived shariah compliance, behavioral intention, islamic bankAbstract
The growth of the Shariah banking industry in Indonesia has not been matched by an optimal increase in market share; therefore, it is necessary to examine the factors influencing public intention to adopt Shariah banking. This study aims to analyze the effects of Islamic Financial Literacy (IFL), Trust, and Skepticism on the Behavioral Intention to Adopt Sharia Banking, with Perceived Shariah Compliance (PSC) serving as a mediating variable. A quantitative approach with an explanatory design was employed. The sample consisted of 190 individuals of productive age who had never used Sharia banking services, selected via purposive sampling. Data were collected through questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that Islamic Financial Literacy, Skepticism, and Perceived Shariah Compliance significantly influence Behavioral Intention, whereas Trust does not have a direct effect on Behavioral Intention. Additionally, Islamic Financial Literacy, Trust, and Skepticism significantly influence Perceived Shariah Compliance. Mediation analysis reveals that Perceived Shariah Compliance partially mediates the relationships of Islamic Financial Literacy and Skepticism with Behavioral Intention, while fully mediating the relationship between Trust and Behavioral Intention. These findings confirm that public perception of Shariah compliance is the most dominant factor in increasing the intention to adopt Shariah banking. This study contributes to the literature on consumer behavior and Shariah banking marketing and offers insights for the Shariah banking industry to enhance Islamic financial literacy, strengthen trust, reduce skepticism, and improve public Perceived Shariah Compliance.
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