This paper examines the influence of Financial Literacy on savings behavior that is improved by storing intentions and attitudes towards savings. Also, the study investigates the effect of subjective norms on saving behavior that is mediated by attitudes toward austerity. Research subjects were primary data from 469 young workers who worked in the DKI Jakarta area in 2018. Data were collected online by distributing questionnaires using Google Docs and they were analyzed using SEM-PLS. The research findings prove that financial literacy affects saving behavior, both directly and indirectly through the variables of saving intention and attitude to saving mediation. Other findings prove that subjective norms do not directly affect thrifty behavior, but had indirect effects through attitudes toward thrifty variables. This study offers alternative models of researchers associated with frugal behavior with theories of planned behavior theory with predictors of financial literacy and subjective norms to improve frugal behavior proving that saving intentions and attitudes towards saving can mediate financial literacy. Furthermore, a mediator's attitude towards savings can improve the subjective norm relationship with saving behavior. Thus, the planned behavior theory can explain the relationship between financial literacy and subjective norms by storing behavior. This is an initial empirical study that attempts to examine the relationship between financial literacy and subjective norms and their impact on savings behavior that is mediated by saving intention and attitude towards saving.

This paper investigates the influence of the attitude, subjective norm, and perceived behavioral control on students' intention to choose sharia economics study program at IAIN Ponorogo. It took 108 students of the fifth semester of Sharia Economics Department at IAIN Ponorogo. The sample included 85 students that were calculated using Slovin formula and chosen randomly from the population. The study used a questionnaire and employed the 5 Likert scales. The study also employed Theory of Planned Behavior (TPB) to examine the role of belief, attractiveness, parental support, peers support, family culture, self-efficacy, and interest on intention. Path analysis was conducted using SmartPLS 2. The results show that students' choice in sharia economics study program was influenced by intrinsic factors, belief, self-efficacy, and interest. The extrinsic factors such as the attractiveness of study programs, parents, peers, and family culture did not influence the intention of students to choose sharia economics study program. The intention of IAIN students to choose to study in sharia economics study program was more determined by intrinsic factors, and not influenced by extrinsic factors. This is due to the strong influence of the religious factor of Islam which positions learning as part of worship and factors originating from students themselves. Further research at public universities needs to be done to find out other dominant variables. Based on the research findings, the Sharia Economics Study Program at Islamic Universities has a strong appeal for prospective Moslem students.

Theory of Planned Behaviour (TPB) has become a prominent theory in describing the relationship between attitude and behaviour. TPB utilizes attitudes, subjective norms and perceived behavioural control to predict ―intention‖. Studies of similar topics concentrating on non-Muslim consumers as respondents particularly exploring in their repurchase intention on Halal food are uncommon. Therefore, this study attempts to demonstrate the TPB in exploring the non-Muslim consumer repurchase intention of halal food products. Data were collected through a self-administered questionnaire survey of 415 non-Muslim consumers in Malaysia. The result of Structural Equation Analyses indicate that non-Muslim consumers’ attitude, subjective norm, and perceived behavioural control toward halal food product positively influenced their intention to repurchase halal food. The conclusions and several recommendations for future research consideration are presented in the final section.

Previously, studies reported inconclusive findings while analyzing the influence of factors affecting online purchase intention. Also, most studies were conducted in the context of developed countries, limiting us to a specific context. Hence, for comprehensive understanding, this study aims at examining the factors affecting the online purchase intention in the e-commerce industry of Jordan. The survey was conducted to collect data from university students in Jordan. Structural equation modeling was employed to analyze the data. Findings show that attitude, subjective norms, perceived behavioral control are positively associated with online purchase intention. However, perceived risks are negatively associated with online purchase intention. Although all factors are significantly related to online purchase intention, the attitude has a greater influence. This study adds value to the theory of planned behavior and consumer behavior by examining attitude, subjective norm, perceived behavioral control, and perceived risks as important predictors of online purchase intention. Besides, this study suggests that online retailers must keep their commitments, promises, and customers’ interests in mind while developing e-commerce strategies.

Cordyceps are a form of herb that is nurtured and propagated utilizing organic farming techniques. This study investigated consumers’ intention towards adopting the organic herb cordyceps, also referred to as “Thungchao” in Thai language. The research was driven by increased health awareness among people, and skewness towards use of organic as compared to conventional medication. In Thailand, the herb has been consumed traditionally for years, because of its medical benefits. The Theory of Planned Behavior (TPB) was applied to investigate the outcomes of users’ perceptions (perceived experience with organic product, perceived health benefit, information awareness) and TPB aspects (subjective norm, perceived behavioral control, attitude towards organic herb) to examine intentions of consumers’ towards adopting codyceps. The research collected primary data from 452 Thai respondents. Collected data were evaluated utilizing Structural Equation Modeling analysis. Results revealed that for the perceived customers’ experience, intention to use organic herb cordyceps was positively and significantly influenced by perceived experience with organic hers and information awareness. All the TPB variables – subjective norm, perceived behavior control, and attitude towards organic herbs – significantly and positively influence consumers’ intention towards organic herb cordyceps. The research recommended that organic herb cordyceps “Thungchao” has many medical benefits, and its consumption should be encouraged. Information awareness and sharing of the knowledge of the herb’s medical requirement and benefits, resources and dosage are necessary to encourage or rather influence consumers intention.

This paper presents a survey on the role of citizenship education in development of urban branding in city of Tehran, Iran. The study considers the effects of attitude, subjective norms, perceived control and intend adopted by the local community on development of urban branding. We design a questionnaire in Likert scale and distributes it among 400 randomly chosen people in city of Tehran, Iran. Cronbach alphas for all components of the survey are well above the desirable level. Using Pearson correlation test as well as stepwise regression techniques, the study has determined a positive and meaningful effects of perceived control and intend adopted by the local community on urban branding.

The purpose of the study is to explain the effect of perceived risk and subjective norm to the attitude based on Tri Kaya Parisudha and reuse intentions, attitude to reuse, and role attitude in mediating the effect on perceived risk and norm subjective to reuse intention from the use of e-money in the elderly. Quantitative approach is conducted for this study. The subject is the elderly/senior citizen who uses e-money, with a sample of 150 respondents. Purposive sampling is used as a method of sampling determination with the SEM-PLS technique. The result of this study are attitude based on Tri Kaya Parisudha capable mediate influence perception risk and norm subjective to reuse intention, also this study found the attitudes based on Tri Kaya Parisudha turned out to be able to mediate the effect of risk perception and also the influence of subjective norms on the intention to reuse e-money in the elderly in the city of Denpasar and the elderly who, even though they are elderly, still use e-money to meet their needs.

The objectives of this paper was to explain the effect of the variables trust, PBC, subjective norm, perceived quality, and re-usage intention on attitude and re-usage intention. This study's population consisted of Indonesians who visited the COVID-19 website to learn more about the progress of COVID-19. With the purposive sampling strategy, the sample size was as large as 238 participants. Path Analysis with the SEM-PLS approach was employed as the analytical technique. The findings revealed that trust, subjective norm, and perceived quality all had a positive and significant effect on attitudes when using the COVID-19 website, although PBC had a favorable but small effect. Furthermore, attitude influences intention to use in a positive and significant way.