@phdthesis{digilib71568,
           month = {June},
           title = {PENGARUH ETIKA KEAGAMAAN TERHADAP INTENSI PENGGUNAAN LAYANAN BELI SEKARANG BAYAR NANTI SYARIAH DI KALANGAN KONSUMEN MUSLIM MAGELANG},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 21108030082 Muhammad Najib},
            year = {2025},
            note = {Rizaldi Yusfiarto, S.Pd.},
        keywords = {Pengetahuan Riba, Persepsi Risiko, Kepercayaan, Intensi Penggunaan, Paylater Syariah},
             url = {https://digilib.uin-suka.ac.id/id/eprint/71568/},
        abstract = {This study aims to analyze the influence of knowledge about riba, perceived risk, and trust as a mediating variable on the intention to use Sharia paylater services in Magelang Regency. Data were collected from 200 respondents using purposive sampling and analyzed through multiple linear regression using SmartPLS 4.0. The results show that perceived risk and trust have a positive and significant effect on the intention to use Sharia paylater services, while knowledge about riba has a negative and significant effect. Trust is also proven to significantly mediate the relationship between knowledge of riba and perceived risk on the intention to use Sharia paylater services.}
}