Abstract:
Purpose – This paper aims to investigate whether and how religiosity (e.g. extrinsic and intrinsic)
influences the mediator variables (consumers’ commitment and materialism) in the Islamic bank consumers
context. It also examines howthemediators should be influence consumers’ preferences.
Design/methodology/approach – In total, 658 Muslim people and Islamic bank consumers were
recruited for a survey study and structural equationmodeling was used to test the research hypotheses.
Findings – The empirical results indicate that religiosity (e.g. extrinsic and intrinsic) has significant and
positive effects on consumers’ commitment and materialism, whereas intrinsic religiosity has no significant
effect on consumers’ commitment which subsequently influences consumers’ preference. Furthermore,
mediator variables (e.g. consumers’ commitment and consumers’ materialism) have partialmediators between
religiosity and consumers’ preferences.
Research limitations/implications – The current study was limited to Indonesian Muslim people;
there is a future need to study consumers’ attitudes and engagement in religious products and services (e.g.
Islamic brands). It is can help practitioners, regulators and researchers to observe the dynamic behavior to
elaborate on the impact of religion and Islamic products on consumers’ preference.
Practical implications – The bank managers and regulators should enhance the information of products
and services Islamic banks and the difference principle between conventional banks. Moreover, enlighten the
consumers about the principle operation of Islamic banks from the perspective ofmarketing and religiosity.
Originality/value – This study contributes to consumers’ behavior literature and, specifically, for the
decision-making process through developing and testing a model of religious determinants toward Islamic
bank products, as well as offers new insights into the determinants of religion and consumers’ decision
process toward Islamic banking.
