Intention to use sharia e-commerce: Applying a combination of the technology acceptance model and theory of planned behavior
-
Received January 16, 2023;Accepted May 23, 2023;Published June 1, 2023
-
Author(s)Link to ORCID Index: https://orcid.org/0000-0002-3616-263XLink to ORCID Index: https://orcid.org/0009-0001-3539-3583Link to ORCID Index: https://orcid.org/0009-0005-6388-6931Link to ORCID Index: https://orcid.org/0000-0001-6802-8446
-
DOIhttp://dx.doi.org/10.21511/im.19(2).2023.15
-
Article InfoVolume 19 2023, Issue #2, pp. 184-197
- TO CITE АНОТАЦІЯ
-
Cited by3 articlesJournal title: Banks and Bank SystemsArticle title: Why non-Muslims choose Islamic banking. Extended theory of planned behavior: a moderating factor of Islamic bank knowledgeDOI: 10.21511/bbs.18(3).2023.10Volume: 18 / Issue: 3 / First page: 112 / Year: 2023Contributors: Afief El Ashfahany, Dinda Ayu Siti Mutmainah, IsmanJournal title:Article title:DOI:Volume: / Issue: / First page: / Year:Contributors:Journal title: Innovative MarketingArticle title: Digital coupons and Gen Z: An application of technology acceptance model with coupon proneness as a moderatorDOI: 10.21511/im.20(2).2024.06Volume: 20 / Issue: 2 / First page: 65 / Year: 2024Contributors: Neha Pandey, Nimish Gupta, Sanjay Rastogi, Rashika Rajan Singh, Manish Mishra
- 752 Views
-
262 Downloads
This work is licensed under a
Creative Commons Attribution 4.0 International License
This study aims to build a framework for the variables affecting interest in sharia e-commerce, such as attitude, subjective norms, perceived behavior control, perceived usefulness, perceived ease of use, and religiosity. Using a convenience sampling method, this analysis involved 212 young people, who represent the most significant proportion of e-commerce clients. The survey measurements and hypotheses testing used the partial least square structural equation modeling (PLS-SEM) approach. The results of the study show that attitude (ß = 0.261, p = 0.000), subjective norm (ß = 0.264, p = 0.000), perceived usefulness (ß = 0.241, p = 0.013), and perceived ease of use (ß = 0.185, p = 0.032) have a positive relationship with intention to use sharia e-commerce for youths. In addition, perceived ease of use (ß = 0.759, p = 0.000) also significantly affects perceived usefulness as a moderator to intention. In comparison, perceived behavior control (ß = –0.042, p = 0.505) was an insignificant factor in using sharia e-commerce. This study also shows that religiosity (ß = 0.648, p = 0.000) is essential in a person’s attitude toward intending to use sharia e-commerce. The insignificant relationship between perceived behavior control and intention to use sharia e-commerce is believed to be because both conventional and sharia e-commerce are easily operated. Thus, youth people have not noticed many differences in using sharia e-commerce.
- Keywords
-
JEL Classification (Paper profile tab)D12, D22, L81
-
References61
-
Tables7
-
Figures2
-
- Figure 1. Research model
- Figure 2. Moderation modeling
-
- Table 1. Measurement model
- Table 2. Demographics
- Table 3. Fornell-Larcker criterion
- Table 4. Cross-loadings
- Table 5. R square results
- Table 6. Path coefficients, t-statistics, and significant levels
- Table 7. Direct and indirect effects
-
- Abd Rahman, A., Asrarhaghighi, E., & Ab Rahman, S. (2015). Consumers and halal cosmetic products: Knowledge, religiosity, attitude, and intention. Journal of Islamic Marketing, 6(1), 148-163.
- Aco, A., & Endang, A. H. (2017). Analisis bisnis e-commerce pada mahasiswa Universitas Islam Negeri Alauddin Makassar. Jurnal Teknik Informatika, 2, 1-13. (In Indonesian).
- Aji, H. M., & Dharmmesta, B. S. (2019). Subjective norm vs dogmatism: Christian consumer attitude towards Islamic TV advertising. Journal of Islamic Marketing, 10(3), 961-980.
- Aji, H. M., Berakon, I., & Riza, A. F. (2021). The effects of subjective norm and knowledge about riba on intention to use e-money in Indonesia. Journal of Islamic Marketing, 12(6), 1180-1196.
- Aji, H. M., Berakon, I., Muafi, & Kholid, M. N. (2019). The moderating role of knowledge about riba on intention to use e-money: Findings from Indonesia. 2019 IEEE 6th International Conference on Industrial Engineering and Applications, ICIEA 2019 (pp. 588-593). Tokyo, Japan.
- Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179-211.
- Ajzen, I., & Fishbein, M. (2005). The influence of attitudes on behavior. In D. Albarracín, B. T. Johnson, & M. P. Zanna (Eds.), The handbook of attitudes (pp. 173-221). Lawrence Erlbaum Associates Publishers.
- Andriani, R., & Putra, W. B. T. S. (2019). The intersection of marketing and human resource disciplines: Employer brand equity as a mediator in recruitment process. International Journal of Innovative Science and Research Technology, 4(12), 465-475.
- Ashfahany, A. El, Alam, A., Wulandari, Z., & Ardiansyah, I. (2022). Peningkatan pemahaman prinsip-prinsip syariah dalam bisnis online digital marketing. Abdi Psikonomi, 3(1), 01-09. (In Indonesian).
- Ashraf, M. A. (2019). Islamic marketing and consumer behavior toward halal food purchase in Bangladesh: An analysis using SEM. Journal of Islamic Marketing, 10(3), 893-910.
- Ayudya, A. C., & Wibowo, A. (2018). The intention to use e-money using theory of planned behavior and locus of control. Jurnal Keuangan dan Perbankan, 22(2), 335-349.
- Ayyub, S., Xuhui, W., Asif, M., & Ayyub, R. M. (2020). Determinants of intention to use Islamic banking: A comparative analysis of users and non-users of Islamic banking: Evidence from Pakistan. International Journal of Islamic and Middle Eastern Finance and Management, 13(1), 147-163.
- Conner, M. (2015). Extending not retiring the theory of planned behaviour: A commentary on Sniehotta, Presseau and Araújo-Soares. Health Psychology Review, 9(2), 141-145.
- Daragmeh, A., Lentner, C., & Sági, J. (2021). Fintech payments in the era of COVID-19: Factors influencing behavioral intentions of “Generation X” in Hungary to use mobile payment. Journal of Behavioral and Experimental Finance, 32, 100574.
- Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
- Dewi, N. M. A. P., & Warmika, I. G. K. (2016). Peran persepsi kemudahan penggunaan, persepsi manfaat dan persepsi resiko terhadap niat menggunakan mobile commerce di kota denpasar. E-Jurnal Manajemen Unud, 5(4), 251442. (In Indonesian).
- Faiza, I., Nurani, L., Permatasari, I., & Adinugraha, H. H. (2022). Fitur halal shopee barokah sebagai preferensi belanja online Muslim di era digital. Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis, 1(1), 77-87. (In Indonesian).
- Febriandika, N. R., Millatina, A. N., Luthfiyatillah, & Herianingrum, S. (2020). Customer e-loyalty of Muslim millennials in Indonesia: Integrated model of trust, user experience and branding in e-commerce webstore. Proceedings of the 2020 11th International Conference on E-Education, E-Business, E-Management, and E-Learning (pp. 369-376). Osaka, Japan.
- Febriandika, N. R., Wijaya, V., & Hakim, L. (2023). Gen-Z Muslims’ purchase intention of halal food: Evidence from Indonesia. Innovative Marketing, 19(1), 13-25.
- Fitriana, R., Safitri, S. T., & Wiguna, C. (2022). Faktor penentu penerimaan teknologi sistem pembayaran tagihan bulanan melalui e-marketplace menggunakan metode combined-theory of planned behaviour-technology acceptance model (C-TPB-TAM). Jurnal Ilmiah NERO, 7(1). (In Indonesian).
- Garg, P., & Joshi, R. (2018). Purchase intention of “halal” brands in India: The mediating effect of attitude. Journal of Islamic Marketing, 9(3), 683-694.
- Giyanti, I., Suparti, E., & Sutopo, W. (2019). Predicting online search intention for validating product halalness status. Proceedings of the International Conference on Industrial Engineering and Operations Management (pp. 3571-3581).
- Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605-11616.
- Ha, N. T. (2020). The impact of perceived risk on consumers’ online shopping intention: An integration of TAM and TPB. Management Science Letters, 10(9), 2029-2036.
- Ha, N. T., Nguyen, T. L. H., Nguyen, T. P. L., & Nguyen, T. D. (2019). The effect of trust on consumers’ online purchase intention: An integration of TAM and TPB. Management Science Letters, 9(9), 1451-1460.
- Halim, E., Januardin, R., & Hebrard, M. (2020). The impacts of e-payment system and impulsive buying to purchase intention in e-commerce. Proceedings of 2020 International Conference on Information Management and Technology (pp. 847-852). Bandung, Indonesia.
- Hanafiah, M. H., & Hamdan, N. A. A. (2021). Determinants of Muslim travellers halal food consumption attitude and behavioural intentions. Journal of Islamic Marketing, 12(6), 1197-1218.
- Hapsari, F. T., & Beik, I. S. (2014). Analisis faktor-faktor yang memengaruhi nasabah non-muslim dalam menggunakan jasa Bank Syariah Di DKI Jakarta. Al-Muzara’ah, 2(1), 75-94. (In Indonesian).
- Hasanah, U., Rusydi, M., Maulana, C. Z., Maftukhatushalikhah, M., & Azwari, P. C. (2021). Penggunaan digital payment syariah pada masyarakat di kota palembang: Pendekatan teori technology acceptance model (TAM) pada Layanan Syariah Linkaja. Jurnal Intelektualita: Keislaman, Sosial dan Sains, 10(1), 93-107. (In Indonesian).
- Hatta, M., Baihaqi, B., & Ramahdaniati, R. (2017). Perilaku berbagi pengetahuan akuntansi pada dosen akuntansi kota bengkulu: Pendekatan theory of planned behavior (TPB). Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis, 5(1), 26-44. (In Indonesian).
- Hill, M., Mann, L., & Wearing, A. J. (1996). The effects of attitude, subjective norm and self-efficacy on intention to benchmark: A comparison between managers with experience and no experience in benchmarking. Journal of Organizational Behavior, 17(4), 313-327.
- Herzallah, F., & Mukhtar, M. (2016). The effect of technology, organization factors on e-commerce adoption among Palestinian SMEs. Indian Journal of Science and Technology, 9(38), 1-14.
- Iranmanesh, M., Mirzaei, M., Parvin Hosseini, S. M., & Zailani, S. (2020). Muslims’ willingness to pay for certified halal food: An extension of the theory of planned behaviour. Journal of Islamic Marketing, 11(1), 14-30.
- Johnson, B. R., Jang, S. J., Larson, D. B., & De Li, S. (2001). Does adolescent religious commitment matter? A reexamination of the effects of religiosity on delinquency. Journal of Research in Crime and Delinquency, 38(1), 22-44.
- Juliana, J., Rizaldi, M. W., Al-Adawiyah, R. A., & Marlina, R. (2022). Halal awareness: Pengaruhnya terhadap keputusan pembelian konsumen Shopee dengan religiositas sebagai variabel moderasi. Coopetition: Jurnal Ilmiah Manajemen, 13(2), 169-180. (In Indonesian).
- Kalinić, Z., Liébana-Cabanillas, F. J., Muñoz-Leiva, F., & Marinković, V. (2020). The moderating impact of gender on the acceptance of peer-to-peer mobile payment systems. International Journal of Bank Marketing, 38(1), 138-158.
- Kasanah, I., & Faujiah, A. (2022). Pengaruh perceived ease of use dan perceived usefulness terhadap minat penggunaan e-commerce Shopee barokah. ICO EDUSHA, 2(1), 452-474. (In Indonesian).
- Kotler, P., & Armstrong, G. (2018). Principles of marketing (17th ed.). Pearson.
- Mondéjar-Jiménez, J. A., Ferrari, G., Secondi, L., & Principato, L. (2016). From the table to waste: An exploratory study on behaviour towards food waste of Spanish and Italian youths. Journal of Cleaner Production, 138, 8-18.
- Morwitz, V. G., & Munz, K. P. (2021). Intentions. Consumer Psychology Review, 4(1), 26-41.
- Munawir, D. (2021). Pengaruh halal awareness dan efektivitas iklan: Terhadap keputusan pembelian pada tokopedia salam. Universitas Islam Negeri Syarif Hidayatullah Jakarta. (In Indonesian).
- Najib, M. F., Kusdiana, W., & Razli, I. A. (2022). Local halal cosmetic products purchase intention: Knowledge, religiosity, attitude, and Islamic advertising factors. Journal of Islamic Economic Laws, 5(2), 177-198.
- Ngah, A. H., Gabarre, S., Eneizan, B., & Asri, N. (2021). Mediated and moderated model of the willingness to pay for halal transportation. Journal of Islamic Marketing, 12(8), 1425-1445.
- Nugroho, A., Najib, M., & Simanjuntak, M. (2018). Factors affecting consumer interest in electronic money usage with theory of planned behavior (TPB). Journal of Consumer Sciences, 3(1), 15.
- Nurmalasari, I. (2022). Niat konsumen non-Muslim dalam menggunakan dompet digital syariah: Studi pada linkaja syariah. Universitas Islam Indonesia. (In Indonesian).
- Park, N., Rhoads, M., Hou, J., & Lee, K. M. (2014). Understanding the acceptance of teleconferencing systems among employees: An extension of the technology acceptance model. Computers in Human Behavior, 39, 118-127.
- Permana, A. E., Reyhan, A. M., Rafli, H., & Rakhmawati, N. A. (2021). Analisa transaksi belanja online pada masa pandemi Covid-19. Jurnal Teknoinfo, 15(1), 32-37. (In Indonesian).
- Putra, A. (2014). Pengujian personal financial behavior, planned behavior terhadap self control behavior dengan theory planned of behavior. Jurnal Ilmiah Wahana Akuntansi, 9(1), 1-19. (In Indonesian).
- Rahmatika, U., & Fajar, M. A. (2019). Faktor-faktor yang mempengaruhi minat penggunaan electronic money: Integrasi model TAM-TPB dengan perceived risk. Nominal: Barometer Riset Akuntansi dan Manajemen, 8(2), 274-284.
- Rahmi, A., & Adhy, S. (2019). Analysis of server-based electronic money acceptance using partial least square method. 3rd International Conference on Informatics and Computational Sciences: Accelerating Informatics and Computational Research for Smarter Society in the Era of Industry 4.0 (pp. 1-6). Semarang, Indonesia.
- Ramdhani, N. (2011). Penyusunan alat pengukur berbasis. Buletin Psikologi, 19(2), 55-69. (In Indonesian).
- Rotter, J, B. (1996). Generalized expectancies for internal versus external control of reinforcement. Psychological Monographs, 80(1), 1-28.
- Sarstedt, M., Ringle, C. M., & Hair, J. F. (2017). Partial least squares structural equation modeling. In C. Homburg, M. Klarmann, & A. Vomberg (Eds.), Handbook of Market Research (pp. 1-40). Springer.
- Shah Alam, S., & Mohamed Sayuti, N. (2011). Applying the theory of planned behavior (TPB) in halal food purchasing. International Journal of Commerce and Management, 21(1), 8-20.
- Shandyastini, N. M., & Novianti, K. D. P. (2016). Analisis e-learning STMIK stikom bali menggunakan technology acceptance model. Jurnal TEKNOIF, 4(2), 1-6. (In Indonesian).
- Shomad, A. C. (2012). Kemudahan, dan persepsi risiko terhadap perilaku penggunaan e-commerce. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 1(2), 1-20. (In Indonesian).
- Sulistiyarini, S. (2012). Pengaruh minat individu terhadap penggunaan mobile banking: Model kombinasi technology acceptance model (TAM) dan theory of planned behavior (TPB). Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 1(2), 1689-1699. (In Indonesian).
- Sumadi, S. (2022). Determinan perilaku beli produk bahan makanan berlogo halal. Benefit: Jurnal Manajemen dan Bisnis, 7(1), 24-40. (In Indonesian).
- Utomo, S. B., Sekaryuni, R., Widarjono, A., Tohirin, A., & Sudarsono, H. (2021). Promoting Islamic financial ecosystem to improve halal industry performance in Indonesia: A demand and supply analysis. Journal of Islamic Marketing, 12(5), 992-1011.
- Wikamorys, D. A., & Rochmach, T. N. (2017). Aplikasi theory of planned behavior dalam membangkitkan niat pasien untuk melakukan operasi katarak. Indonesian Journal of Health Administration, 5(1), 32-40. (In Indonesian).
- Yupitri, E., & Sari, R. L. (2012). Analisis faktor-faktor yang mempengaruhi non Muslim menjadi nasabah bank syariah mandiri di medan. Jurnal Ekonomi dan Keuangan, 1(1), 46-60. (In Indonesian).
-
-
Conceptualization
Afief El Ashfahany, Fatimah Azzahra, Yayuli, Ibrahim Musa Unal
-
Data curation
Afief El Ashfahany
-
Formal Analysis
Afief El Ashfahany, Fatimah Azzahra, Yayuli
-
Funding acquisition
Afief El Ashfahany
-
Methodology
Afief El Ashfahany, Ibrahim Musa Unal
-
Project administration
Afief El Ashfahany, Ibrahim Musa Unal
-
Resources
Afief El Ashfahany, Ibrahim Musa Unal
-
Supervision
Afief El Ashfahany, Fatimah Azzahra, Yayuli, Ibrahim Musa Unal
-
Writing – review & editing
Afief El Ashfahany, Ibrahim Musa Unal
-
Investigation
Fatimah Azzahra, Yayuli
-
Software
Fatimah Azzahra, Yayuli
-
Visualization
Fatimah Azzahra, Yayuli
-
Writing – original draft
Fatimah Azzahra, Yayuli
-
Validation
Ibrahim Musa Unal
-
Conceptualization
-
Synthesizing the economist’s and the psychologist’s approaches to litter control for sustainable waste management
Environmental Economics Volume 10, 2019 Issue #1 pp. 1-11 Views: 1902 Downloads: 172 TO CITE АНОТАЦІЯLittering has been a subject of inquiry by environmental economists, as well as social and environmental psychologists, each using a different theoretical and analytical toolkit. While economists see littering as an externality problem or a market failure, psychologists see it as a social behavior problem. Regardless of the discipline, both theories have a common goal: What factors affect littering behavior and how can it be curtailed? This paper, therefore, adopts theory-triangulation approach to review theories concerning littering. It concisely reviews the economist’s and the psychologist’s approaches to littering and their respective solutions. The finding from this review is that the psychological approaches to litter control are narrower in coverage than the economic approaches in that the former are applicable to smaller environmental settings or areas, such as school premises, office places, factories, and market places, as opposed to such lager settings as cities, states or the country at large to which economic instruments are usually applied. Despite the plethora of research extolling the virtues of economic approaches to litter control, their real-world application has not caught on. One of the factors responsible for this is the implementation costs and difficulty involved. The economic instruments are costlier than the psychological instruments, because the former cover a larger setting and entail a lot of bureaucracies. To better understand littering and find appropriate solutions to it, studies on littering should consider looking at littering holistically from this interdisciplinary perspective. Both the economist’s and the psychologist’s approaches to litter control should be synthesized for sustainable waste management. However, policymakers need to consider the available financial resources and the multifarious views of litter in policies relating to litter. An option for policymakers is to minimize those costs associated with implementing economic instruments.
-
Entrepreneurship education and its impact on the entrepreneurship career intentions of vocational education students
Takawira Munyaradzi Ndofirepi , Patient Rambe doi: http://dx.doi.org/10.21511/ppm.15(1-1).2017.06Problems and Perspectives in Management Volume 15, 2017 Issue #1 (cont.) pp. 191-199 Views: 1637 Downloads: 1176 TO CITE АНОТАЦІЯThe rich body of literature examining the entrepreneurship education-entrepreneurship intention relations tends to neglect the influence of contingent and other mediating factors on the relationship. This elusion creates an erroneous assumption that entrepreneurship intentions are insulated from external influences and the entrepreneurship education-intentions relationship is an automatic, directly linear interaction. Contesting this premise, this research explores the influence of exposure to entrepreneurship education (EE), mediated by precursors (such as attitude, subjective norms and perceived behavioral control) to entrepreneurial intentions on the actual entrepreneurship intentions (EI) of vocational education students at a particular institution in Zimbabwe. Drawing on a cross-sectional research design and 154 randomly selected students, the study examines the extent to which they intended to engage in entrepreneurship careers in the near future. A non-parametric technique, the Spearman correlation test, and regression analysis were employed to test the relationships between EE on the direct determinants of EI, between the immediate determinants of EI and actual EI and to test a number of predictive effects. The results demonstrate that EE had a positive correlation with the direct determinants of EI. In addition, EE predicted all the immediate determinants of EI, except for subjective norms. Lastly, there was no evidence to support a direct predictive effect of EE on EI, controlling for other psychological factors. To a large extent, the results validated the Theory of Planned Behavior as a guiding tool for estimating any premeditated entrepreneurial behavior. Thus, the Theory remains an invaluable theoretical lens for academics, educators and policymakers’ evaluation of effective ways of enhancing the grooming of potential entrepreneurs.
-
The influence of religiosity and self-efficacy on the saving behavior of the Іslamic banks
Banks and Bank Systems Volume 12, 2017 Issue #3 pp. 35-47 Views: 1517 Downloads: 720 TO CITE АНОТАЦІЯIndonesia is a country with the largest Muslim population in the world. However, since the Islamic banks were being established in Indonesia for about 20 years, their market share only accounts for about 5% in the Indonesian banking system. Muslim participations in using Islamic bank are relatively low. This study expands the Theory of Planned Behavior by adding the variables of religiosity and self-efficacy. Previous studies have not examined this new expanded model to analyze customers who participated in using the saving Islamic bank’s products and services. Based on 220 Islamic bank consumers who participated in the study, the study indicated that questionnaires about religiosity and self-efficacy had good external validity and could be adapted for the Indonesian culture context. The most interesting finding was that the religiosity variable strongly enhanced the use of Islamic banks. Similarly, this study found that the self-efficacy variable improved an intention of customers to participate in the Islamic banking system. This paper also discusses the implications of the findings and recommendations for future studies.