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All Journal Indonesian Journal of Islamic Economics and Business
Lailatul Maghfiroh Putri Rifardi
Hasyim Asyari University
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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From Interest to Commitment: Examining Customer Adoption of LTI Berkah Emas at PT BPR Syariah Lantabur Tebuireng Lailatul Maghfiroh Putri Rifardi; Athi' Hidayati; Peni Haryanti; Kusnul Ciptanila Yuni K
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6150

Abstract

This study examines the low adoption rate of gold installment products at PT BPR Syariah Lantabur Tebuireng, where actual sales amounted to only 50% of the target, with a customer adoption rate of 0.19% out of 68,551 customers (August–November 2025). Using PLS-SEM with 100 respondents, the results show that trust is the most dominant factor in driving investment interest (β = 0.666), followed by perceived usefulness (β = 0.216), and investment interest was found to significantly influence purchase decisions (β = 0.265). This model explains 51.9% of the variance in investment interest and 7.0% of the variance in purchase decisions. Theoretically, these findings enrich the integration of the Theory of Planned Behavior (TPB), Technology Acceptance Model (TAM), and Trust Theory within Islamic microfinance, affirming that trust (amanah) functions as the dominant predictor connecting Sharia-compliant product perception with actual investment participation. Practically, BPR Syariah Lantabur Tebuireng is advised to prioritize trust-building programs by enhancing the role of the Sharia Supervisory Board and ensuring transparent product communication. Further research is recommended to include variables such as religiosity and financial literacy, as well as to expand the sample to various Sharia BPR institutions.
Co-Authors Athi' Hidayati Kusnul Ciptanila Yuni K Peni Haryanti