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).