Decomposed Theory Of Planned Behaviour Model Approach To Analyze User Intention Towards Intention To Buy Of Customer Indonesian Sharia Banking

Abstract

Sharia financial institutions Included Sharia Banking are financial institutions that carry out transactions while respecting Sharia law. According to Chloe Domat, 2020, Sharia financial institutions are a $2.5 trillion industry with hundreds of specialized institutions located in more than 80 countries. Sharia Banks are by far the largest players in the Sharia Finance industry and account for $1.75 trillion or 70% of total assets. According to the 2019 State of Global Sharia Economy Report, total sharia-compliant assets are expected to grow to $3.5 trillion by 2024. Sharia finance represents only about 1% of global financial assets but with 11.4% growth in 2019, growing faster than conventional finance. Growth is expected to slow but remain positive, during this COVID-19 pandemic. In some areas such as the Gulf Cooperation Council, according to Chloe Domat, 2020, Sharia Banks are now competing with conventional banks in terms of funding from third parties.