Digital Transformation and Member Trust at BMT Maslahah; the Role of Moderation From the Perception of Sharia Compliance
DOI:
https://doi.org/10.20414/ijhi.v25i1.1173Keywords:
Digital Transformation, Member Trust, Sharia Compliance Perception, BMTAbstract
The rapid development of digital technology has encouraged Islamic microfinance institutions to adopt digital transformation in order to enhance service efficiency and strengthen member trust, while maintaining compliance with sharia principles. This study aims to examine the effect of digital transformation on member trust at BMT Maslahah and to analyze the moderating role of perceived sharia compliance in strengthening this relationship. Using a quantitative research design, data were collected through a structured survey administered to members of BMT Maslahah and analyzed using moderated regression analysis. The results reveal that digital transformation has a positive and significant effect on member trust. Furthermore, perceived sharia compliance significantly moderates this relationship, indicating that a higher perception of sharia adherence strengthens the positive impact of digital transformation on member trust. These findings highlight the importance of integrating technological innovation with sharia principles. Therefore, Islamic microfinance institutions are encouraged to align digital innovation strategies with sharia governance to enhance member confidence. Future research is suggested to involve multiple Islamic financial institutions, apply different analytical approaches, and incorporate additional variables such as service quality and digital literacy to provide a more comprehensive understanding of trust formation in the digital era.
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