eprintid: 76234
rev_number: 9
eprint_status: archive
userid: 12253
dir: disk0/00/07/62/34
datestamp: 2026-04-23 02:58:37
lastmod: 2026-04-23 02:58:37
status_changed: 2026-04-23 02:58:37
type: article
metadata_visibility: show
creators_name: Darmawan, -
creators_name: Riska Prasasti, -
title: Determinants of consumer decisions in choosing Islamic financial products in Indonesia
ispublished: pub
subjects: ei
divisions: artkl
full_text_status: public
keywords: Endorsement, Institutional image, Consumer trust, Consumer Decision-Making
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
date_type: published
publication: Journal of Islamic Marketing
publisher: Emerald Publishing Limited
refereed: TRUE
issn: 1759-0833
official_url: http://dx.doi.org/10.1108/JIMA-07-2024-0277
citation:   Darmawan, - and Riska Prasasti, -  (2026) Determinants of consumer decisions in choosing Islamic financial products in Indonesia.  Journal of Islamic Marketing.   ISSN 1759-0833     
document_url: https://digilib.uin-suka.ac.id/id/eprint/76234/1/Determinants%20of%20consumer%20decisions%20in%20choosing%20Islamic%20financial%20products%20in%20Indonesia.pdf
document_url: https://digilib.uin-suka.ac.id/id/eprint/76234/2/surat-surat-pernyataan1776912106.pdf