Main Article Content
Abstract
Purpose – The primary objective of this research is to analyze the influence of Sharia Compliance on increasing the intention of Micro, Small, and Medium-sized Business Owners to use Islamic crowdfunding in Indonesia.
Methodology – This research employed a mixed method, utilizing purposive sampling for data collection. This study targeted Micro, Small, and Medium Enterprises (MSME) owners in Jakarta in April 2021. Data were collected through the online distribution of questionnaires to 75 respondents and in-depth interviews were conducted with three informants. Subsequently, the data were processed using partial least squares analysis with SmartPLS software.
Finding – The results of this research indicate that the variable of sharia compliance had a direct and significant influence on perception, whilst the variables of ease of use, knowledge and subjective norms had no influence on perception. Sharia compliance was a significant factor influencing intention. Meanwhile, ease of use, knowledge, subjective norms, and perception were not statistically significant in relation to intention. Perception cannot function as a mediating variable.
Implication – The function and role of the Sharia Supervisory Board (SSB) in the business of Islamic crowdfunding is very important and strategic, so that ‘sharia compliance’ can truly be accomplished.
Originality – The original contribution of this research lies in emphasizing that Sharia compliance truly needs to be integrated into the business process of Islamic crowdfunding.
Keywords
Article Details
Copyright (c) 2024 Hendratmoko , Muhamad Nadratuzzaman Hosen, Muafi Muafi
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References
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Arsawan, I. W. E., Koval, V., Rajiani, I., Rustiarini, N. W., Supartha, W. G., & Suryantini, N. P. S. (2022). Leveraging knowledge sharing and innovation culture into SMEs sustainable competitive advantage. International Journal of Productivity and Performance Management, 71(2). https://doi.org/10.1108/IJPPM-04-2020-0192
Baber, H. (2020). FinTech, crowdfunding and customer retention in Islamic banks. Vision, 24(3). https://doi.org/10.1177/0972262919869765
Bae, S. Y., & Chang, P. J. (2021). The effect of coronavirus disease-19 (Covid-19) risk perception on behavioural intention towards ‘untact’ tourism in South Korea during the first wave of the pandemic. Current Issues in Tourism, 24(7). https://doi.org/10.1080/13683500.2020.1798895
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Boubker, O., Douayri, K., & Ouajdouni, A. (2021). Factors affecting intention to adopt Islamic financing: Evidence from Morocco. MethodsX, 8, 101523. https://doi.org/10.1016/j.mex.2021.101523
Chen, T., Liu, Y. X., & Huang, L. (2022). ImageGP: An easy-to-use data visualization web server for scientific researchers. IMeta, 1(1). https://doi.org/10.1002/imt2.5
Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4). https://doi.org/10.1108/JIMA-12-2019-0252
Dhir, A., Sadiq, M., Talwar, S., Sakashita, M., & Kaur, P. (2021). Why do retail consumers buy green apparel? A knowledge-attitude-behaviour-context perspective. Journal of Retailing and Consumer Services, 59. https://doi.org/10.1016/j.jretconser.2020.102398
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