Email this article ISLAMIC FINANCE COMPANIES AND INDONESIAN MUSLIMS: RELIGIOSITY AS MODERATOR
Abstract
ABSTRACT - With this study, researchers hope to find out what influences Indonesian Muslims' initial trust and the preference to access digital services of Islamic financial companies. Furthermore, the research explored the paradigm of Islamic religiosity as a moderator of relative advantage and the preference to access digital services of Islamic financial companies. The results showed that initial trust was significantly affected by relative advantage and Islamic financial literacy. Relative advantage, initial trust, and Islamic financial literacy all had a substantial impact on the preference to access digital services of Islamic financial companies. Conversely, Islamic religiosity has no significant effect on the preference to access digital services of Islamic financial companies. However, Islamic religiosity has a significant effect on Islamic financial literacy. In addition, Islamic religiosity also significantly moderates the effect of relative advantage on the preference to access digital services of Islamic financial companies. The conclusion shows that it is important for Islamic financing companies to engage in marketing efforts by considering the variables explored in this study.
Keywords: Islamic finance companies, Initial trust, Islamic Financial Literacy, Religiosity, Relative Advantage
ABSTRAK – Perusahaan Pembiayaan Syariah dan Umat Islam Indonesia: Religiusitas Sebagai Moderator. Dengan penelitian ini, peneliti berharap dapat mengetahui apa saja yang memengaruhi kepercayaan awal dan preferensi umat Islam Indonesia untuk mengakses layanan digital perusahaan pembiayaan syariah sekaligus mengeksplorasi peran religiusitas Islam dalam memoderasi pengaruh keunggulan relatif terhadap preferensi mereka untuk mengakses layanan digital perusahaan pembiayaan syariah. Hasil penelitian menunjukkan bahwa kepercayaan awal secara signifikan dipengaruhi oleh keunggulan relatif dan literasi keuangan syariah. Keunggulan relatif, kepercayaan awal, dan literasi keuangan syariah berdampak signifikan terhadap preferensi mereka untuk mengakses layanan digital perusahaan pembiayaan syariah. Sebaliknya, religiusitas Islam tidak berpengaruh signifikan terhadap preferensi mereka untuk mengakses layanan digital perusahaan pembiayaan syariah. Namun, religiusitas Islam berpengaruh signifikan terhadap literasi keuangan syariah dan dapat memoderasi pengaruh keunggulan relatif terhadap preferensi mereka untuk mengakses layanan digital perusahaan pembiayaan syariah. Kesimpulan menunjukkan bahwa penting bagi perusahaan pembiayaan syariah untuk terlibat dalam upaya pemasaran dengan mempertimbangkan variabel-variabel yang dieksplorasi dalam penelitian ini.
Kata kunci: Perusahaan Pembiayaan Syariah, Kepercayaan Awal, Literasi Keuangan Syariah, Religiusitas, Keunggulan Relatif
Keywords
References
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