PurposeThis study aims to examine the impact of Islamic consumer behavior on the potential demand for Islamic banking by using the Islamic religiosity approach. By classifying the potential demand into the high, middle and low categories, this study attempts to examine whether the level of potential demand is influenced by aspects of social, cultural, psychological and personal considerations.Design/methodology/approachThis research was a quantitative study based on a survey on 18 regions in West Sumatera, Indonesia in 2019. Data were collected from 1818 respondents and analyzed by using multinomial logistic regression.FindingsThe findings reveal that the increasing factor of social and personal causes the tendency of the community to be in the high potential group as an Islamic bank customer by 1,661 times and 1,592 times as compared to in the low potential group. Psychological aspects also increase the probability of the community being in the medium demand potential as an Islamic bank customer.Research limitations/implicationsAlthough this study has attempted to elaborate on the consumers’ behavior variable with an Islamic religiosity perspective, theoretically this concept is not yet well established and still requires many applications in future research. Future studies are expected to enrich this analysis by examining more cases with communities that have different socio-demographic characteristics. This study also limits the exogenous variables used as predictors.Practical implicationsThis study aims to assist managers of Islamic banks to formulate strategies for developing Islamic banks based on Islamic consumer behavior because the facts showed that understanding of Islamic law and religious education in the family, Islamic lifestyle and also religious beliefs affected the potential demand for Islamic banks.Social implicationsFrom a policy perspective, this finding can be a consideration for Islamic banks, that the expansion of the market share of Islamic banks will be more appropriately directed to Muslim groups with indications of high adherence to Islamic values, those with Islamic lifestyles, and the Muslim community groups with Islamic understanding backgrounds and good religious education.Originality/valueThis study measures the impact of Islamic religiosity on the probability of people being in the high, medium or low potential group in adopting Islamic bank services, and these findings are important in the development of Islamic banking in Muslim-majority countries.

Penelitian ini bertujuan untuk mengetahui factor-faktor yang mempengaruhi minat kunjungan berulang wisatawan milenial ke Bukittinggi. Yang menjadi objek penelitian ini adalah wisatawan milenial yang melakukan kunjungan ke Bukittinggi. Adapun jumlah sampel penelitian adalah 96 orang dengan teknik penarikan sampel purposive sampling. Jenis data yang digunakan dalam penelitian ini yaitu data primer dan data sekunder.  Data primer bersumber dari pendapat masing-masing sampel penelitian dengan menggunakan kuesioner, untuk mengetahui respon sampel penelitian mengenai pengaruh Push faktor dan Pull faktor terhadap minat kunjungan berulang wisatawan milenial. Sedangkan data sekunder bersumber dari jurnal-jurnal sebelumnya, buku, media internet, annual report . Data primer yang didapat kemudian dianalisa dengan cara melakukan pengujian dengan teknik analisa regresi linear berganda. Hasil penelitian menunjukan bahwa factor pendorong dan factor penarik memberikan pengaruh secara positif signifikan terhadap kunjungan berulang wisatawan milenial ke Bukittinggi.

<p><em><span style="font-size: 12.0pt; line-height: 107%; font-family: 'Garamond','serif'; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: major-bidi; color: #222222; mso-ansi-language: IN; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">This study shows the relationship between knowledge and attitude towards the behavior of choosing Islamic banks with moderated religiosity. The study was conducted on 117 people who became customers of Islamic banks in four sub-districts located in the Agam Regency region which has a sharia bank office network, namely Lubuk Basung District, Baso District, Ampek Angkek Canduang District and Banuhampu District. The results of this study indicate that (1) knowledge has a positive and significant effect on the behavior of choosing Islamic banks with a value of P = 0.01, (2) the attitude has a positive and significant effect on the behavior of choosing Islamic banks with a value of P &lt;0.01, (3) religiosity does not moderate relations between knowledge and behavior of choosing Islamic banks with a value of P = 0.46 this indicates that religiosity is not a moderator of the relationship between attitudes and behavior of choosing Islamic banks. (4) While the effect of moderating religiosity on the relationship between attitude and behavior of choosing Islamic banks is significant with a value of P = 0.03 and this shows that religiosity is able to moderate the relationship between attitudes and behavior of choosing Islamic banks.</span></em></p>

Padang has widely known as the tourism destination in Indonesia. This city is the capital of West Sumatera Province which win three World Halal Tourism Award categories in 2016; World's Best Halal Culinary Destination, World's Best Halal Destination and Halal World's Best Tour Operator. This study aims to determine the effect of Padang's city branding (Presence, Place, potential, Pulse, People, Pre-requisite) towards its city image (cognitive, affective, conative) and tourist visit decision. Moreover, city image is also placed to be intervening variable between city branding and tourist visit decision. Based on the tourist data collected by survey (200 samples), structural equation modeling using Smart PLS 3.0 and Sobel Test were employed to test the research model. The findings indicate that the relationship in purposed model are significant. For researchers this study provides a basis for further development of city banding of Padang. For government and destination marketing organization (DMO), understanding the key construct is crucial to increase visitors and better perceived city image.