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Abstract This study aims to determine the effect of attitudes on behavior, perceived behavioral control, and subjective norms or to know perceptions and understandings and then develop into the intentions of Bengkulu city panoramic market traders in behaving using Islamic bank products. The sampling technique used is the theory of Hair obtained a sample of 230 respondents with the sampling technique used is accidental sampling. The analysis technique used Structural Equation Modeling (SEM) with the SmartPLS 3 tool. The results of this study indicate that the variables of attitude towards behavior, perceived behavioral control and subjective norms have a significant effect on intentions and intentions have a significant effect on the behavior of a trader at the Bengkulu city panorama market in behaving in using Islamic bank products. References Paragraph. “Sharia Banking Market Share.” https://www.alinea.id/bisnis/market-share-perbankan-syariah-kuartal-i-2019-turun-b 1XeF9j1v, 2019.Amelia, Rizki, Didin Hafidhuddin, and Hendri Tanjung. "Analysis of Factors Affecting Television Journalists' Perceptions on the Development of Islamic Banks in Indonesia." Journal of Al-Muzara'ah 2, no. 2 (2014): 180–94.Bengkulu, Panorama Market Office. “Bengkulu Panorama Market Archives,” 2018.Christina, Leani, and Septian Bayu Kristanto. “Detecting Financial Statement Fraud Behavior With Theory of Planned Behavior (Empirical Study in the Banking Industry).” Journal of Contemporary Accounting 11, no. 1 (2019): 1–13.Cooke, Richard, and Paschl Sheeran. “Moderating of Cognition Intention and Cognition-Behavior Relation: A Meta-Analysis of Properties of Vegetables Ftom Theory of Planned Bahavior.” British Journal of Social Psychologist 43 (2004): 159–86.Datadata. "Databox." https://databoks.katadata.co.id/datapublish/2019/09/25/indonesia-negara-dengan-penresident-muslim-largest-dunia#:~:text=Indonesia%20merupakan%20negara%20muslim%20the largest,reached %20229%2C62%20million%20people., 2020.Finance, Service Authority. "Roadmap of Indonesia's Islamic Finance Development 2017-2019." https://www.ojk.go.id/id/kanal/syariah/berita-dan-activities/publikasi/Documents/Pages/Roadmap-Pengembangan-Keuangan-Syariah-Indonesia-2017-2019/Roadmap%202017-2019( 1).pdf, 2019.———. “Press Release Islamic Finance Market Share Reaches 8 Percent.” https://www.ojk.go.id/id/berita-dan-activities/siaran-pers/Documents/Pages/Siaran-Pers-Market-Share-Keuangan-Syariah-Capai-8-Persen/Siaran%20Pers% 20KSF%20Cibinong.pdf, 2019.———. “Snapshot of Indonesian Sharia Banking June 2018,” 2018.———. “National Survey of Financial Literacy and Inclusion 2016,” 2016. https://www.ojk.go.id/id/berita-dan-activities/siaran-pers/Documents/Pages/Siaran-Pers-OJK-Indeks-Literasi- and-Inclusion-Financial-Increase/17.01.23 Impressions Presscon nett.compressed.pdf.Munandar. "The Influence of Subjective Attitudes and Norms on Intentions to Use Sharia Banking Products at Aceh Sharia Banks in Lhokseumawe City." Journal of Visionary And Strategic 3, no. 2 (2014): 73–80.Pratita, B Asri, Heri Pratikto, and Sutrisno. "Analysis of Factors Influencing Customer Purchase Decisions at Kober Bar Malang." Journal of Education 3, no. 4 (2018): 497–503.Rahmadanty, Cecia, and Masmira Kurniawati. "Analysis of Behavioral Intentions of Surabaya Hijabers Community Members in Using Sharia Savings: The Theory of Planned Behavior Perspective." Journal of Theoretical and Applied Management 8, no. 3 (2015): 177–94.Rahman, Taufikur. "Analysis of Determinants of Interest of Individual Lecturers and Students Against Islamic Banks." Journal of Muqtasid 5, no. 1 (2014): 53–74.Ramdhani, Neila. "Shrinkage of Measuring Instruments Based on Theory of Planned Behavior." Journal of Psychology 19, no. 2 (2011): 56.Seni, Ni Nyoman Anggar, and Ni Made Dwi Ratnadi. “Theory of Planned Behavior for Predicting Investment Intention.” E-Journal of Economics and Business Udayana University 6, no. 12 (2017): 4043–68.Simamora, B. Consumer Behavior Research Guide . Jakarta: Gramedia Pustaka Utama, 2004.Suprapto. Research Methodology in Education and Social Sciences . Jakarta: Exciting Books, 2013."Law of the Republic of Indonesia Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking," 2019.

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