ABSTRACT
This research paper examines the effect of religiosity and reference groups on the intention to use Sharia bank products with a mediation role of cognitive and affective attitudes. A convenient sampling technique was used to study 300 micro, small, and medium-scale enterprise owners who were Moslems and who resided in Surakarta, Indonesia. Validity test of item instrument was based on loading factor > 0.50, reliability test was based on Cronbach’s alpha of > 0.60 and the five variables fulfilled the specified criteria. Hierarchical regression analysis was used in this research. The results show that religiosity had a significant positive effect on affective attitude but did not affect cognitive attitude. The religiosity and the reference groups did not affect intention, while the cognitive and affective attitudes did. The mediation role was only shown by affective attitude, not by cognitive attitude. It means that only the affective attitude fully mediated in the relationship between religiosity and intention to use Sharia bank products. The result of this research provides an interesting probability for further discussions and research.
