Measurement of variables
| Variable | Acronym | Variable description |
|---|---|---|
| Dependent variable | ||
| Intention to adopt Islamic banking | ITB | Measured by average rating on a five-point Likert scale of questions on awareness and perceived benefit |
| Predictor variables | ||
| Attitude | ATT | Measured by average score of questions on affective feeling and cognitive feeling |
| Affective attitude | AFF | Average score of questions on a five-point Likert scale on affective attitude |
| Cognitive attitude | COG | Average score of questions on a five-point Likert scale on cognitive attitude |
| Subjective norm | SUB | Measured by average score of questions on family influence and friends’ opinion |
| Religiosity | REL | Average score of questions on religious experience and ideology |
| εj | Error term | |
| β0 | Constant | |
| Variable | Acronym | Variable description |
|---|---|---|
| Intention to adopt Islamic banking | ITB | Measured by average rating on a five-point Likert scale of questions on awareness and perceived benefit |
| Attitude | ATT | Measured by average score of questions on affective feeling and cognitive feeling |
| Affective attitude | AFF | Average score of questions on a five-point Likert scale on affective attitude |
| Cognitive attitude | COG | Average score of questions on a five-point Likert scale on cognitive attitude |
| Subjective norm | SUB | Measured by average score of questions on family influence and friends’ opinion |
| Religiosity | REL | Average score of questions on religious experience and ideology |
| Error term | ||
| Constant | ||