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All Journal Shirkah: Journal of Economics and Business Paedagogia: Jurnal Pendidikan Jurnal Ilmu Perbankan dan Keuangan Syariah Share: Jurnal Ekonomi dan Keuangan Islam Tadayun: Jurnal Hukum Ekonomi Syariah COMPARATIVA: Jurnal Ilmiah Perbandingan Mazhab dan Hukum Journal of Finance and Islamic Banking
Sofyan Bachmid
Faculty Of Islamic Economics And Business UIN Datokarama Palu
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Does Halal Certification Improve MSME Financial Performance? Evidence from Culinary Businesses in Palu City Nabila Sukmah H; Sitti Aisya; Nursyamsu; Sofyan Bachmid; Fatma; Adib Susilo
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.15232

Abstract

Purpose: This study analyzes the role of Islamic financial literacy in shaping the intention of Islamic bank financing farmers, both directly and indirectly through behavioral control. Method: Using a quantitative approach with a survey method of 100 farmers in Pati Regency. The analysis technique uses Partial Least Square-Structural Equation Modeling (PLS-SEM) in the form of the SmartPLS 3 application. Results: These findings show that Islamic financial literacy does not directly encourage intentions, but must first build individual ability, confidence, and control as an intermediary to cause farmers' intentions in applying for Islamic bank financing. Implication: Theoretically, this study strengthens the planned behavior theory model by asserting behavior control as an intention builder. Practically, literacy education must be accompanied by ease of access and simplification of procedures in the agricultural sector. Originality: This study contributed by including perceived behavioral control as a mediating variable. Thus, expanding literature that is still limited to the context of Islamic financial behavior in the agricultural sector.
Co-Authors Abdul Jalil Adib Susilo Ahmad Syaiful Dede Arseyani Pratamasyari Ermawati Usman Fatma Hamka Hamka Indah Musyawarah Malkan Moh Fauzan Mokh Ulil Hidayat Nabila Sukmah H Nilam Sari Noor Riefma Hidayah Noval Noval Nunung Dini Apriliani Nur Asriana Nur Wanita Nurdin Nursyamsu Rukma Ningrum Saifullah Saifullah Sitti Aisya Syaifullah MS Ubay Harun Yasir Yasir