Moral tribalism as a mediator between religiosity and interest sensitivity among financial consumers

The main purpose of this study was to investigate the mediating effect of moral tribalism on the relationship between religiosity and interest sensitivity (defined as the tendency to avoid financial instruments involving interest). A pilot research was conducted with 204 participants, followed by the main research involving 831 participants. Both sets of data were collected in Turkey through convenience sampling and voluntary participation via an online survey. According to the results of structural equation modelling, religiosity is positively associated with moral tribalism, and both religiosity and moral tribalism significantly predict interest sensitivity. Furthermore, moral tribalism plays a mediating role, exerting a positive and indirect effect of religiosity on interest sensitivity. Statistical tests were also conducted to examine differences in variable levels based on respondents' demographic characteristics. The results indicated that levels of religiosity were higher among males, married individuals, and those with lower educational attainment. Likewise, moral tribalism was found to be higher among married individuals and those aged 20-30. Additionally, men and individuals with lower education levels exhibited higher levels of interest sensitivity compared to others.