@thesis{thesis,
		author={Cahyaatmaja  Arya Bima},
		title ={Barriers To Adoption of Islamic Banking: Differences by Religion and Usage},
		year={2017},
		url={https://repository.ipmi.ac.id/108/},
		abstract={Purpose?The purpose of this study is to investigate barriers in the adoption of Islamic banking under different levels of religiosity and usage. The thesis aims to focus on barriers impeding adoption of Islamic banking perceived between consumers with different religious commitment in consuming Islamic products and services (i.e., religiosity), and with different usage rate in banking services utilization (i.e., usage). Design/methodology/approach?Based on a literature study, the thesis develops hypotheses that distinguish the barriers on Islamic banking adoption among different consumer segments based on religiosity and usage. Data were collected by means of a survey, resulting in an effective sample of 195 respondents. Findings?In the case of religiosity, the Facility and Spiritual Value factors are perceived to be higher by the highly religious group, while the Habit, Economic Value, Risk, and Tradition factors are perceived to be lower. In the case of usage, all of the six factors are perceived to be higher for the heavy usage group. There are significant differences between each group of the independent variables; however, there is no significant interaction effect found between the two independent variables on the combined resistance factors. Practical implications?The results suggest that managers should develop a more sophisticated understanding of barriers to adoption of Islamic banking. Distinguishing between different levels of religiosity and usage offers managers the opportunity to differentiate their communication strategies and design more compelling ways for consumers to overcome the specific barriers they perceive in each group.  

Keywords: barriers, Islamic banking, religiosity, usage, adoption, resistance}
		}