Abstract:
Purpose – The purpose of study examine the relationship between religiosity, consumers’ materialism, brand
fidelity, attitude and consumers’ commitment to Islamic banking products using evidence fromIndonesia.
Design/methodology/approach – The sample consists of 658 Muslim and bank consumers obtained
through a survey study and using structural equation modeling to test the research hypotheses.
Findings – The empirical results indicate that religiosity has significant and positive effects on consumers’
materialism, brand fidelity and attitude, also mediating variables. Furthermore, the mediator variables
partially mediate religiosity and consumers’ commitment based on consumers’ culture theory.
Research limitations/implications – This study is validated by Indonesian Muslims; therefore, future
study is required to analyze across the culture and region. It can help Islamic bank managers and scholars to
observe the correlation between religion, Islamic banks products and Muslims’ commitment.
Practical implications – The current study enlightened the consumers’ Islamic bank principle operation
from marketing and religiosity. The government and the shariah supervisory board need to enhance the
control and promote to make sure that Islamic banking operations have compliant with Islamic law.
Originality/value – The result of this study provided the Muslim decision-making process by developing
and testing a model of religious determinants toward Islamic bank products.
Keywords Materialism, Religiosity, Consumer attitude, Consumer commitment, Brand fidelity
Paper type Research paper
