ISSN: 2222-6990
Open access
This study examines the determinants influencing the intention to adopt Islamic Cooperative Financing among SME customers in Southern Thailand, employing the Theory of Planned Behavior (TPB) as its analytical framework. The investigation focuses on the impact of subjective norms and service quality on shaping intentions. The analysis of subjective norms indicates a significant yet relatively smaller role, with a discernible but limited influence on the intention to adopt. In contrast, the study reveals a positive association between service quality and intention, albeit with a modest effect size. The findings underscore the importance of addressing service quality concerns in the competitive financial landscape, where Islamic cooperatives contend with conventional systems deeply rooted in public preference. The study contributes valuable insights for organizations navigating societal pressures and enhancing service quality to secure and retain customer loyalty in culturally diverse contexts.
Ahmed, U., Phulpoto, W., Umrani, W. A., Abbas, I. A. (2016). Diving deep in employee training to understand employee engagement. The International Journal of Management, 5(1), 1-5.
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Ajzen, I. (2002). Perceived behavioral control, self-efficacy, locus of control, and the theory of planned behavior.
Ajzen, I., & Fishbein, M. (1977). Attitude-behavior relations: A theoretical analysis and review of empirical research. Psychological Bulletin, 84(5), 888–918.
http://scholar.google.com. https://doi.org/10.1037/0033-2909.84.5.888
Al-Qeisi, K. I., & Al-Abdallah, G. M. (2013). Internet banking adoption in Jordan: A behavioral approach. International Journal of Marketing Studies, 5(6), 84.
https://doi.org/10.5539/ijms.v5n6p84
Amin, H. (2012). Patronage factors of Malaysian local customers toward Islamic credit cards. Management Research Review, 35(6), 512–530.
https://doi.org/10.1108/01409171211238271
Aziz, S., Md Husin, M., & Hussin, N. (2017) Conceptual framework of factors determining intentions towards the adoption of family takaful- An extension of decomposed theory of planned behaviour. International Journal of Organizational Leadership, 6(3), 385–399. https://doi.org/10.33844/ijol.2017.60430
Azizah, L., & Raya, M. K. F. (2021, August 3). Islamic education leadership in conflict state: Case study in Southern Thailand. Jurnal Tatsqif, 19(1), 1–20.
https://doi.org/10.20414/jtq.v19i1.3540
Beck, L., & Ajzen, I. (1991). Predicting dishonest actions using the theory of planned behavior. Journal of Research in Personality, 25(3), 285–301.
https://doi.org/10.1016/0092-6566(91)90021-H
Blavin, F., Buntin, M. B., & Friedman, B. (2010). Predicting hospital and clinical professionals’ accurately adoption of electronic health records. Health information technology for economic and clinical health (HITECH) act.
Burkina Faso. Land Use Policy, 22(1), 27–36
Chandra, A., Abma, J., Maza, P., & Bachrach, C. (1999). Predicting child adoption trends in the United States: A study on adoption trends, demand, and waiting children. Child welfare policies in the United States.
Cheumar, M., & Fisol, W. N. M. (2021, April 17). The engineering of Islamic cooperative products and services in southern THAILAND. Researchgate. https://www.researchgate.net/publication/350941498_THE_ENGINEERING_OF_ISLAMIC_COOPERATIVE_PRODUCTS_AND_SERVICES_IN_SOUTHERN_THAILAND.
competencies. Journal of Advanced Management Science,
Cooperative Promotion Department. (2016). Home. :: ????????????????? - Cooperative Promotion Department. https://cpd.go.th/cpden/
Denscombe, M. (2017). EBOOK: The good research guide: For small-scale social research projects. McGraw-Hill Education.
Di Gangi, P. M., & Wasko, M. (2009). Steal my idea! Organizational adoption of user innovations from a user innovation community: A case study of Dell IdeaStorm. Decision Support Systems, 48(1), 303–312. https://doi.org/10.1016/j.dss.2009.04.004
Dimara, E., & Skuras, D. (2003). Adoption of innovation in agriculture: A critical review. Technological Forecasting and Social Change, 70(6), 515–550.
Doss, C. R. (2003). Understanding farm-level technology adoption: Lessons learned from CIMMYT’s microsurveys in eastern Africa. Agricultural Economics, 29(3), 221–235.
Doss, C. R. (2006). The effects of intrahousehold property ownership on expenditure patterns in Ghana. Journal of African Economies, 15(1), 149–180.
https://doi.org/10.1093/jae/eji025
Ernst, K. (2011). Heart over mind-An empirical analysis of social entrepreneurial intention formation on the basis of the theory of planned behaviour (Doctoral dissertation, Universitätsbibliothek Wuppertal).
Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research.
Fonkych, K. (2010). [Title not provided]. Journal of Healthcare Information Management: JHIM, 24(4), 38–42
Kakoti, S., & Doley, S. K. (2021, December 15). English speaking skill and Indian undergraduate ESL learners: Interleaving or block practice? Rupkatha Journal on Interdisciplinary Studies in Humanities, 13(4). https://doi.org/10.21659/rupkatha.v13n4.57
Kimball, E., & Loya, K. I. (2017). Using qualitative research to promote organizational intelligence: New directions for institutional research, 174. John Wiley & Sons.
Livingston, E. H., & Wislar, J. S. (2012). Minimum response rates for survey research. Archives of Surgery, 147(2), 110. https://doi.org/10.1001/archsurg.2011.2169
Martins, R. A., Steil, A. V., & Todesco, J. L. (2004). Internet adoption: A stage model. Information and Management, 41(2), 261–271.
Martins, R. A., Steil, A. V., & Todesco, J. L. (2004). Internet adoption: A stage model. Information and Management, 41(2), 261–271.
Miniard, P. W., & Cohen, J. B. (1981). An examination of the Fishbein-Ajzen behavioral-intentions model’s concepts and measures. Journal of Experimental Social Psychology, 17(3), 309–339. https://doi.org/10.1016/0022-1031(81)90031-7
Norzailan, Z., Yusof, S. M., & Othman, R. (2015). Developing strategic leadership
Rogers, E. M. (2003). Diffusion of innovations (5th ed). Free Press.
Rye, C. B., & Kimberly, J. R. (2007). The adoption of innovations by provider organizations in health care. Medical Care Research and Review, 64(3), 235–278. https://doi.org/10.1177/1077558707299865
Sahin, I. (2006). Detailed review of Rogers’ diffusion of innovations theory and educational technology-related studies based on Rogers’ theory. Turkish Online Journal of Educational Technology, 5(2), 14–23.
Sekaran, U. (2003). Determining sample size. Sekaran. Uma (4th ed), Research methods for business: A skill building approach, 263–298
Sidibé, A. (2005). Determinants of adoption for soil and water conservation techniques in
(Akem & Cheumar, 2024)
Examining the Impact of Subjective Norms and Service Quality on the Intention to Adopt Islamic Cooperative Financing in Southern Thailand: A TPB-Based Analysis
Copyright: © 2024 The Author(s)
Published by HRMARS (www.hrmars.com)
This article is published under the Creative Commons Attribution (CC BY 4.0) license. Anyone may reproduce, distribute, translate and create derivative works of this article (for both commercial and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this license may be seen at: http://creativecommons.org/licences/by/4.0/legalcode