Reza Ashari Nasution

Exploring implicit and explicit attitude toward saving at Islamic bank

Purpose – The purpose of this paper is to explore the implicit and explicit attitude toward Islamic bank and how it influences desire to saving at an Islamic bank. Although the Islamic bank system has been experiencing rocket growth worldwide, but the development in Indonesia is still unsatisfying. The penetration is very low compared to the conventional bank system. Consumer attitude is one of the most important variables that need to be understood to develop effective intervention. Although extensive research has been carried out on consumer attitude in the Islamic bank context, no single study adequately elaborates on implicit attitude. Design/methodology/approach – A sample of 423 respondents was taken to represent the middle-class employee segment. A set of questionnaires consisting of four sections was administered to respondents. The first section is a paper-based implicit attitude test, which collected data using a face-to-face interview, and the rest was self-reported. Data were analyzed using de...

The efficacy of the model of goal directed behavior in explaining Islamic bank saving

Purpose The purpose of this paper is to test the efficacy of model of goal-directed behavior (MGB) to explain and predict savings at Islamic bank behavior. The importance of understanding consumer intention to develop good strategy to accelerate consumer saving at Islamic bank is inevitable. One of the most popular theories explaining behavioral intention was the MGB. Although it has been validated and tested in a variety of contexts, this theory has never been applied in behavior related to Islamic banks. Design/methodology/approach The present study used a combination of qualitative and quantitative data. Qualitative data obtained from 31 in-depth interviews were used to develop behavioral beliefs components and a control beliefs component, while quantitative data obtained from a survey of 316 respondents were used to test the model. Structural equation modeling was the main data analysis technique. Findings The result shows that MGB has good indicators of fit, which implies that it can be used to explain and predict intention to save at Islamic bank. This research also reveals several behavioral and control beliefs that positively contribute to intention. Originality/value This paper contributes to behavior prediction literature by exploring the possibility of the application of the MGB in the Islamic bank context. It also gives a deeper understanding of the Indonesian Islamic bank consumer market that has great potential for development in the future.

Consumer innovativeness model of Indonesian young consumers in relation with electronic products adoption

The introduction of new products makes it important for marketers to understand how innovators respond it. This paper investigates consumer innovativeness (CI) from hierarchical perspective of CI and examines the simultaneous impacts of CI on new product adoption. The first, generalist streams represents a generalized personality trait that engenders consumers to adopt new product. The second, particularist stream focuses on product adoption behavior within a specific domain of interest. The third, Integrator perspective proposes to integrate these two streams by putting domain-specific innovativeness as mediating factor in relationship between general innovativeness and new product adoption. A structural equation model was used to test hypotheses using empirical data from 607 respondents in electronic products adoption. The findings have implications for innovation adoption theory, for managers involved in new product and service marketing, and for future research on innovation adoption.