Banks offer loans to support many projects; however, some of these projects may not give adequate consideration to the environment. Little is known regarding the extent to which banking customers experience guilt when discovering that their bank supports projects that disregard the environment. An experiment with 313 participants was conducted, and the results showed that customers do experience guilt when discovering that their bank supports projects that do not give adequate consideration to the environment. This study found that guilt drives perceived consumer effectiveness and negative word‐of‐mouth regarding banking projects that neglect environmental considerations but not attitudes towards green banking. Negative word of mouth, but not the attitude towards green banking, mediates the effect of perceived consumer effectiveness on the intention to use green banking services. Negative word‐of‐mouth, rather than attitudes towards green banking and its perceived consumer effectiveness, drives the intention to use green banking services. These findings imply that banks need to encourage their customers to perceive that they are eco‐friendly to avoid a significant loss of customers.

If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation. AbstractPurpose -This study aims to explore the factors that make Indonesian consumers differ in their intentions to switch to products that are more eco-friendly than their current products. Design/methodology/approach -Consumers' experiences with their current product and evaluation of its more eco-friendly alternative were simulated; the effects on intention to switch to the better product were then investigated.Findings -This study found that the differences in intentions to switch are attributable to loss aversion and focusing illusion. When consumers follow the principle of loss aversion (exaggeration of greater loss than gain), they are more likely to switch to leave unattractive product (i.e. a product that they perceive as contributing to environmental degradation) than when they do not. Also, when consumers experience focusing illusion concerning the environment (determining happiness based on environmental conditions), they are more likely to switch to make their lives happier than when they do not. Practical implications -In managing consumer intention to switch, companies should effectively communicate how their products save the environment. This communication could make their customers less likely to give up their current products to live happier lives. Similarly, companies could encourage target customers to switch to their products by arguing that giving up their current products would help them live happier lives. Originality/value -This study provides empirical evidence that perceived budget constraints may not inhibit consumers from switching to more eco-friendly products to live happier lives.

Purpose There are some Muslims who only hold conventional bank accounts, regardless that some believe that such banks implement an interest charging system that contradicts Islamic law concerning the prohibition of charging interest. This study aims to investigate the consumers’ tendency to regret (CTR) related to purchasing conventional banking services (CTR-P) and the failure to purchase Islamic banking services (CTR-NP). Then, this study investigates whether CTR-P and CTR-NP translate into regret, which, in turn, leads to the intention to save money in Islamic banks. Design/methodology/approach A survey of Indonesian Muslims who only hold conventional banking accounts was conducted. There were 323 participants. This study then applied a partial least square structural equation modeling (PLS-SEM) to test the hypotheses. Findings This study found that a combination of CTR-P and CTR-NP translates into regret, which then drives the intention to save money in Islamic banks as a means of releasing such feelings of regret. The findings suggest that Muslims evaluate their banking decision on an Islamic basis and that making a decision that contradicts the prohibition of charging interest tends to cause regret. Islamic banks have opportunities to penetrate the market by focusing on Muslims who only hold accounts with conventional banks. Originality/value The findings of this study help advance understanding of Muslims’ negative emotional experience due to making a decision that they perceive contradicts Islamic law. Also, the findings help predict the strategy that Muslims use to neutralize such a negative emotional experience.

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Penelitian ini bertujuan untuk mengetahui pengaruh layanan informasi berbasis self-compassion untuk mereduksi body dissatisfaction pada siswa. Penelitian ini merupakan penelitian kuantitatif dengan jenis survei. Sampel penelitian ini adalah 77 siswa perempuan yang diambil secara acak. Data pada penelitian ini dikumpulkan melalui teknik angket. Data dianalisis dengan menggunakan teknik regresi linier sederhana. Hasil penelitian ini adalah layanan informasi berbasis self compassion mampu mereduksi body dissatisfaction pada siswa perempuan.