Intention to save for Hajj travel expenses: Perspectives of urban muslim youth

Muttaqien, Muhammad Khaerul, Syaifullah, Hamli, Wicaksono, Ahmad Tibrizi Soni ORCID: https://orcid.org/0000-0001-8643-1351, Mas'ud, Tajudin and Ghoni, Muhammad Abdul (2025) Intention to save for Hajj travel expenses: Perspectives of urban muslim youth. Kajian Ekonomi dan Keuangan, 7 (1). pp. 1-16. ISSN 25409999

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Abstract

Jakarta, as the Indonesian Economic Center, has a large and dynamic Muslim youth population, but financial awareness and planning for the pilgrimage among them is still low. This study examines the relationship between subjective norms, perceived behavior control, and attitudes towards the planning of the cost of pilgrimage using PLS-SEM in 108 Muslim youth in Jakarta. The results suggest that subjective norms and perceived behavioral control greatly influenced their positive attitude towards planning for Hajj travel expenses. Attitude and perceived behavioral control significantly impacted the desire to plan for Hajj travel costs. However, subjective norms had no substantial impact on this desire. The study produced additional findings, including a mediation analysis that demonstrated how attitudes towards financial planning could operate as a mediator in the interaction of subjective norms, perceived behavioral control, and the plan to save for Hajj travel costs. In the moderation analysis, perceived behavioral control only moderated the influence of attitudes on the choice to create a plan for the Hajj trip’s costs. Consequently, Islamic banks should consider these findings when marketing saving products to young urban Muslims.

Item Type:	Journal Article
Keywords:	Attitude; Hajj travel cost; Intention; Islamic banking; Perceived behavioral control; Subjective norms
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking) 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150501 Consumer-Oriented Product or Service Development 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150503 Marketing Management (incl. Strategy and Customer Relations) 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1505 Marketing > 150504 Marketing Measurement
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Ahmad Tibrizi Soni Wicaksono
Date Deposited:	10 Nov 2025 14:04

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