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.

<div class="WordSection1"><p align="center"> </p><p><em>This study aims to analyze the influence of hedonism and religiosity on the consumptive behavior of students at the Faculty of Islamic Economics and Business, State Islamic Institute of Bukittinggi, West Sumatera, Indonesia. The population in this studi was 3,900 students and the sample was 363 of them that were selected by using the cluster sampling techniques. The results showed that hedonism has a positive influence on the consumptive behavior of students, it means that the higher of the level of hedonism, the higher the consumptive behavior of students. Meanwhile, religiosity was found to have the negative effect on the consumptive behavior of students, its meant that  the higher the level of religious students, the lower the consumptive behavior of students, this study suggests that hedonism and religiosity explain variations in student consumer behavior by 64.5%, while the remaining 35.5% % is explained by other variables not explored in this study. This finding shows that to manage consumption properly, students must control their hedonism and increase their level of religiosity so that they will far from consumptive habits.</em></p><p> </p></div><p align="center"><strong><br clear="all" /></strong></p>

<p class="abstrak">As a community banking operating in Islamic principles, Islamic rural banks are faced with two performance targets namely financial performance and social performance which are both interrelated. This study examined the impact of commercialization factors covering profitability, regulation, and competition on the social performance of Islamic rural banks. This study was quantitative research based on a survey on six units of Islamic rural banks in West Sumatera province of Indonesia from 2012 to 2018. Data collected from the publication of financial services authority and other financial documents at Islamic rural banks then analyzed with panel data regression. The findings of this research showed that profitability and competition influenced social performance. Meanwhile, there was no regulation’s impact on social performance.  Regulatory factors that were initially expected to strengthen the social responsibility mission of Islamic rural banks, did not stimulate the increase of social performance. This study reveals the importance of the commercialization factor in improving the social performance of Islamic rural banks by increasing the social benefits through providing financial services for the low-income Muslim community.</p><p class="abstrak" align="left"> <em>Sebagai sebuah community banking yang beroperasi dalam prinsip-prinsip Islam, BPR Syariah dihadapkan pada dua target kinerja yaitu kinerja keuangan dan kinerja sosial yang keduanya saling terkait. Penelitian ini bertujuan untuk menguji dampak dari faktor-faktor komersialisasi yang meliputi profitabilitas, regulasi dan kompetisi terhadap kinerja sosial BPR Syariah. Penelitian ini menggunakan pendekatan kuantitatif berdasarkan survei pada enam unit BPR Syariah di provinsi Sumatera Barat Indonesia dari tahun 2012 hingga 2018. Data dikumpulkan dari publikasi Otoritas Jasa Keuangan dan dokumen keuangan lainnya di BPR Syariah kemudian dianalisis dengan regresi data panel. Hasil penelitian ini menunjukkan bahwa profitabilitas dan persaingan berpengaruh terhadap kinerja sosial, sedangkan regulasi tidak berpengaruh terhadap kinerja sosial. Faktor regulasi yang semula diharapkan memperkuat misi tanggung jawab sosial BPR syariah, ternyata tidak merangsang peningkatan kinerja sosial. Studi ini mengungkap akan pentingnya faktor komersialisasi dalam meningkatkan kinerja sosial BPR syariah dengan meningkatkan manfaat sosial melalui pemberian layanan keuangan untuk masyarakat muslim berpenghasilan rendah.</em></p><p class="abstrak"> </p>

This study investigates whether personality and grit affect the Organizational Citizenship Behavior and if so, whether the effect is mediated by job involvement or not. Using a sample of 132 lecturers of Higher Education of The Ministry of Industry in Indonesia in 2018, this research revealed that personality and grit are positively related to the organizational citizenship behavior. This study proves that there is relationship between personality and grit with organizational citizenship behavior, and this relationship is partially mediated by job involvement. These empirical findings reinforce previous researches about the relationship between personality and organizational citizenship behavior. As the extension of the theoretical concepts constructed in this study, it also proved that the relationship between grit and organizational citizenship behavior is also partially mediated by job involvement. Finally, this finding offers the empirical evidence about the importance of job involvement on the relationship between personality and grit to organizational citizenship behavior. It indicates that the presence of personality and grit do not automatically increase the level of organizational citizenship behavior of lecturers, if there is no job involvement inside. This research recommends the strategy to increase the level of organizational citizenship behavior by optimizing the job involvement of lecturers.

This study investigates whether personality and grit affect the Organizational Citizenship Behavior (OCB) and if so, whether this relationship is mediated by job involvement or not. This study was a survey at the Industrial Vocational Higher Education of the Ministry of Industry in Indonesia in 2018, with a sample of 217 of lecturers. Data collected by using the questionnaire and analyzed by PLS Model with single-mediator. This research reveals that personality and grit have a positive direct effect on the organizational citizenship behavior. The influence of personality on organizational citizenship behavior is partially mediated by job involvement, but job involvement does not mediate the influence of grit on organizational citizenship behavior. Theoritically, the study extends the current theory by exploring grit as an important predictor that influences organizational citizenship behavior and this relationship is not mediated by job involvement.