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      "official_url": "http:\/\/dx.doi.org\/10.1108\/JIMA-07-2024-0277",
      "issn": "1759-0833",
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      "creators": [
        {
          "name": {
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            "given": "-",
            "honourific": null,
            "family": "Darmawan"
          }
        },
        {
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            "family": "Riska Prasasti"
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      "keywords": "Endorsement, Institutional image, Consumer trust, Consumer Decision-Making",
      "lastmod": "2026-04-23 02:58:37",
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      "publisher": "Emerald Publishing Limited",
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      "publication": "Journal of Islamic Marketing",
      "abstract": "Purpose – This study aims to examine the determinants of consumer decisions in choosing Islamic financial \r\nproducts in Indonesia by integrating Brand Image Theory, Consumer Trust Theory and Source Credibility \r\nTheory within the Theory of Planned Behavior (TPB) framework. \r\nDesign\/methodology\/approach – A quantitative approach was employed using purposive sampling. Data \r\nwere collected through an online questionnaire distributed to 400 users and potential users of Islamic financial \r\nproducts, with 311 valid responses retained for analysis. The model was tested using structural equation \r\nmodelling–partial least squares. \r\nFindings – The results reveal that institutional image, consumer trust and endorsement effectiveness each exert \r\na significant positive influence on consumer decision-making. Among these, consumer trust emerged as the \r\nstrongest determinant. The findings emphasise that perceived Shariah compliance, institutional transparency, and \r\nthe credibility of religiously aligned endorsers enhance consumers’ intention to adopt Islamic financial products. \r\nPractical implications – The study provides managerial insight for Islamic financial institutions to strengthen \r\ntrust-based communication, ensure consistent Shariah compliance, and select credible endorsers who embody \r\nIslamic ethical values. \r\nOriginality\/value – This research contributes to the Islamic marketing literature by combining behavioural, \r\nethical and communicative dimensions within an integrated TPB framework and by offering empirical \r\nevidence from the under-researched Indonesian context.",
      "type": "article",
      "title": "Determinants of consumer decisions in choosing Islamic financial products in Indonesia"
    }