@phdthesis{digilib77887,
           month = {July},
           title = {NIAT GEN Z MENGGUNAKAN PRODUK TABUNGAN IB HIJRAH BANK MUAMALAT INDONESIA DENGAN PENDEKATAN ATTITUDE-SOCIAL INFLUENCE-SELF EFFICACY (ASE) MODEL},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 22108020118 Zanuba Faza Alya},
            year = {2026},
            note = {Farid Hidayat S.H., M.S.I., CMA.},
        keywords = {ASE Model, Attitude, Self-Efficacy, Social Influence, Behavioral Intention, Gen Z, Tabungan Ib Hijrah},
             url = {https://digilib.uin-suka.ac.id/id/eprint/77887/},
        abstract = {This study aims to examine the influence of attitude, social influence, and self-efficacy on generation Z's behavioral intention to use tabungan iB Hijrah of Bank Muamalat Indonesia in the Special Region of Yogyakarta by applying the ASE Model. This research employed a quantitative approach using primary data collected from 225 respondents through questionnaires with random sampling. Data were analyzed using Partial Least Squares?Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The findings indicate that attitude, social influence, and self-efficacy have positive and significant effects on behavioral intention. The results confirm that the ASE Model effectively explains generation Z's intention to use Islamic banking products.}
}