Islamic bank trust: the roles of religiosity, perceived value and satisfaction
Asia Pacific Journal of Marketing and Logistics
ISSN: 1355-5855
Article publication date: 25 May 2021
Issue publication date: 4 February 2022
Abstract
Purpose
This study aims to examine the relationship between trust and its antecedents, i.e. customer satisfaction, perceived value and religiosity. The moderating roles of religiosity on the relationships between perceived value, satisfaction and trust also have been investigated in this study.
Design/methodology/approach
This research has carried out in West Sumatra Indonesia. The respondents of this study are Islamic bank customers from five areas in West Sumatra Indonesia. Data have been collected through Survey method. After some preliminary analyses, we employed 390 useable responses in the analysis. Covariance Based Structural Equation Modeling (CB-SEM) was employed to analyze the data.
Findings
This study found that religiosity has significant impacts on perceived value, customer satisfaction and trust. Perceived value and customer satisfaction are also significant antecedents of trust. Moreover, it found the significant moderating impact of religiosity on the link between perceived value and trust, and also on the link between customer satisfaction and trust.
Research limitations/implications
This cross-sectional study has been conducted in a single country. Accordingly, this study may have a limitation in result generalization. Moreover, this study only focused on three antecedents of trust, including religiosity, satisfaction and perceived value. Therefore, for future research, we suggest conducting a longitudinal study in some Muslim countries such as Malaysia, Brunei Darussalam and Middle East countries. We also suggest employing other antecedents of customer trust, such as customer engagement and customer sociocultural.
Practical implications
Based on the research findings, the managers of Islamic banks will have input on how to improve their customers' trust by giving more attention to customer religiosity, perceived value and satisfaction. They can develop programs to increase customer perceived value and satisfaction such as a reward program to increase customer trust.
Originality/value
A more comprehensive model of the relationship between religiosity, perceived value, satisfaction and trust has been addressed in this study. This study also highlighted the significant moderating role of religiosity on the link between perceived value, satisfaction and trust which are neglected previously have also been highlighted in this study.
Keywords
Acknowledgements
The authors would like to thank Lembaga Penelitian dan Pengabdian Masyarakat Universitas Negeri Padang for funding this work.
Citation
Abror, A., Patrisia, D., Engriani, Y., Idris, I. and Dastgir, S. (2022), "Islamic bank trust: the roles of religiosity, perceived value and satisfaction", Asia Pacific Journal of Marketing and Logistics, Vol. 34 No. 2, pp. 368-384. https://doi.org/10.1108/APJML-10-2020-0715
Publisher
:Emerald Publishing Limited
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