INTENTION TO SAVE HAJJ AT INDONESIAN SHARIA BANK: A STUDY BASED ON THEORY OF PLANNED BEHAVIOR

Abstract

This study aims to examine the intention to use hajj savings. The proposed model of 'Theory of Planned Behavior (TPB)' which is widely applied in consumer behavior studies. This theory consists of the behavioral, normative and controlling belief structures that shape consumer intentions. This study includes three independent variables, namely attitudes, subjective norms, perceptions of behavior control. Intention as the dependent variable and religiosity as a moderating variable. The type of research used is explanatory research with a survey approach. Data collection techniques through distributing questionnaires and Structural Equation Modeling and Partial Least Square (SEM-PLS) analysis. The test results show varied results, from the effect tested there are 2 relationships that have a significant effect, namely the attitude variable and subjective norms on the intention to use hajj savings. While the perception of control has no significant effect on intention and the variable religiosity as a moderator has no effect on attitude variables, subjective norms, and perceptions of behavior control.