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All Journal Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Dinamika Hukum Al-'Adalah MIX : Jurnal Ilmiah Manajemen Jurnal Asy-Syari'ah Jurnal Ilmiah Peuradeun Ijtima'iyya: Journal of Muslim Society Research Jurnal Yudisial Al-Khidmat : Jurnal Ilmiah Pengabdian Kepada Masyarakat Finansha: Journal of Sharia Financial Management Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah VARIA HUKUM: Jurnal Forum Studi Hukum dan Kemasyarakatan Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Ijtimā`iyya: Journal of Muslim Society Research Journal of Comprehensive Science Journal of Islamic Economics and Business Jurnal Penelitian Serambi Hukum RESLAJ: Religion Education Social Laa Roiba Journal Public Sphere: Jurnal Sosial Politik, Pemerintahan dan Hukum Jurnal Ilmu Hukum Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Kamaludin Yusup, Deni
Manajemen Keuangan Syariah, UIN Sunan Gunung Djati Bandung
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Factors Influencing Customer Decisions in Mortgage Financing Ib: A Perspective Analysis of Sharia Economic Law Hadi, Sholikul; Suntana, Ija; Yusup, Deni Kamaludin; Novari, Eri
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 5 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i5.11907

Abstract

Islamic mortgage financing (KPR iB) is one of the flagship products of Islamic banking in Indonesia, designed to facilitate home ownership in accordance with Sharia principles. However, customer participation in KPR iB remains suboptimal compared to conventional mortgage products. This study aims to examine the factors influencing customer decisions in choosing KPR iB, particularly from the perspective of Islamic Economic Law. The study specifically analyzes: (1) the influence of Sharia compliance, product innovation diffusion, promotion, and product quality on customer decisions to choose KPR iB in Bogor; and (2) the mediating role of customer decisions in the relationship between those variables and the increase of Islamic bank market share. This research employs a Mixed Methods approach, with an Explanatory Sequential Design combining quantitative and qualitative analyses. The theoretical framework includes Rational Choice Theory (Gary Becker) as the Grand Theory, Islamic Consumer Behavior Theory (Umer Chapra) as the Middle Theory, and Sharia Compliance Theory (Monzer Kahf) as the Application Theory. Data were collected through questionnaires, observations, interviews, and document analysis. The data were analyzed using Structural Equation Modeling (SEM) with SmartPLS 3.0. The findings indicate that: (1) Sharia compliance does not significantly influence customer decisions; (2) product innovation, promotion, and product quality have a significant positive effect on customer decisions; and (3) customer decision does not mediate the relationship between Sharia compliance and market share, but effectively mediates the impact of product innovation, promotion, and product quality on increasing Islamic bank market share.
Co-Authors Adi Irfan Marjuqi Adzkya Dzulda Alfarauq Alfadl Habibie Anwari, Amalia Nur Astarudin, Tatang Athoillah, Mohamad Anton Aula, Muhammad Iqbal Ayi Yunus Rusyana Bunyamin, Bubun Citra Artiara Yuniar Eka Rahayu, Annisa Fachrurazy Fachrurazy Fachrurazy, Fachrurazy Fahadil Amin Al Hasan Fitria Rahmat, Agnis Gunariah, Frilla Hadi, Sholikul Hasan Bisri Hendarman, Hari Hidayatunnisa, Nurul Fadhlya Hilma Fanniar Rohman Ian Rakhamawan Suherli Irna Fitrianingsih Ismail, Yana Chaeru Taufik Makruf, Solihan Marta, M Sandi Mohamad Anton Athoillah Muhammad Anton Athoillah Muharni, Yusraini Nasrudin Novari, Eri NUR EFENDI Nur Ramdhan, Rahmat Padhilah, Piqi Rizki Prasetyo, Yoyok Prayogi Prayogi Pumieda, Reyna Amalia Ridwan, Ahmad Hasan Saebani, Beni Ahmad Setiadi Setiadi Shifa Miarti Aziza Sobana, Dadang Husen Sofyan Al-Hakim Solihin, Dadin Suci Asih, Vemy Sugiarti, Lilis Diah Suherli, Ian Rakhmawan Sumiati Sumiati Suntana, Ija Suprihatno, Andri Yadi Janwari Yoyok Prasetyo Yulandri, Elsa Yuniarti, Vinna Sri Zaky, Muhammad Ziaharah, Lena Ishelmiany Zulfikar Ahmad, Fauzi