MODEL ADOPSI PRODUK BANK SYARI’AH DI KUDUS: PENGEMBANGAN THEORY OF REASONED ACTION DAN SYARIAH COMPLIANCE

Abstract

This study aims to analyze adoption model of Islamic bank products based on Theory of Reasoned Action (TRA) on the societies in Kudus. This study is a type of survey research by using a quantitative approach. The research data are obtained from 140 respondents by using convenience sampling technique. For research model testing technique, it used the statistical test Discriminant Analysis. The findings of this study is shown that the value of 0.753 CR2 . If this value is squared (0,753)2 = 0,567, meaning that all discriminant variables (subjective norm, attitude towards use, syariah compliance and trust) can explain the differences in people’s behavior towards Islamic bank products between the customers of Islamic bank (adopter) and non-customers (non-adopter) by 56,7%. While the adoption rate of product acceptance in the Islamic bank can be predicted with four predictor variables with the classification level of 95.7% with two levels of adoption of Islamic bank products (adopters and non-adopters).

Keywords

• Theory of Reasoned Action (TRA), Syariah Compliance, Trust.