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primary topic: Determinants of consumer decisions in choosing Islamic financial products in Indonesia

Determinants of consumer decisions in choosing Islamic financial products in Indonesia
type: AcademicArticle
type: Article
abstract: Purpose – This study aims to examine the determinants of consumer decisions in choosing Islamic financial products in Indonesia by integrating Brand Image Theory, Consumer Trust Theory and Source Credibility Theory within the Theory of Planned Behavior (TPB) framework. Design/methodology/approach – A quantitative approach was employed using purposive sampling. Data were collected through an online questionnaire distributed to 400 users and potential users of Islamic financial products, with 311 valid responses retained for analysis. The model was tested using structural equation modelling–partial least squares. Findings – The results reveal that institutional image, consumer trust and endorsement effectiveness each exert a significant positive influence on consumer decision-making. Among these, consumer trust emerged as the strongest determinant. The findings emphasise that perceived Shariah compliance, institutional transparency, and the credibility of religiously aligned endorsers enhance consumers’ intention to adopt Islamic financial products. Practical implications – The study provides managerial insight for Islamic financial institutions to strengthen trust-based communication, ensure consistent Shariah compliance, and select credible endorsers who embody Islamic ethical values. Originality/value – This research contributes to the Islamic marketing literature by combining behavioural, ethical and communicative dimensions within an integrated TPB framework and by offering empirical evidence from the under-researched Indonesian context.
date: 2026
is part of: Journal of Islamic Marketing
status: peerReviewed
status: published
author list: authors
type: EPrint
type: ArticleEPrint
is part of: repository
has document: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has version: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has published: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has document: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
subject: Ekonomi Islam

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
type: Document
has file: Determinants of consumer decisions in choosing Islamic financial products in Indonesia.pdf
has part: Determinants of consumer decisions in choosing Islamic financial products in Indonesia.pdf

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
type: Document
has file: surat-surat-pernyataan1776912106.pdf
has part: surat-surat-pernyataan1776912106.pdf

Emerald Publishing Limited
type: Organization

Journal of Islamic Marketing
type: Collection
issn: 17590833

- Darmawan
type: Person
given name: -
family name: Darmawan

- Riska Prasasti
type: Person
given name: -
family name: Riska Prasasti

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
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has file: indexcodes.txt
has part: indexcodes.txt

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is index codes version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has file: indexcodes.txt
has part: indexcodes.txt

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
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Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
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Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
ismedium thumbnail version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
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Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
issmall thumbnail version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
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has part: small.jpg

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
islightbox thumbnail version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has file: lightbox.jpg
has part: lightbox.jpg

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
ispreview thumbnail version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has file: preview.jpg
has part: preview.jpg

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
ismedium thumbnail version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has file: medium.jpg
has part: medium.jpg

Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Other)
type: Document
is version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
is volatile version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
issmall thumbnail version of: Determinants of consumer decisions in choosing Islamic financial products in Indonesia (Text)
has file: small.jpg
has part: small.jpg

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primary topic: Determinants of consumer decisions in choosing Islamic financial products in Indonesia

Ekonomi Islam
type: Concept