Pengaruh Trust dan Perceived Risk terhadap Intention to Use Muamalat DIN pada Nasabah Bank Muamalat Indonesia

Abstract

This study examines the effects of Trust and Perceived Risk on Intention to Use Muamalat DIN among customers of Bank Muamalat Indonesia at KCU Mamuju, both partially and simultaneously. A quantitative associative design was employed. Data were collected using a five-point Likert-scale questionnaire from 98 respondents selected through purposive sampling. The data were analyzed using multiple linear regression in IBM SPSS, following validity, reliability, and classical assumption tests. All items were valid, with corrected item-total correlations above 0.199. Cronbach’s Alpha values for Trust, Perceived Risk, and Intention to Use were 0.865, 0.876, and 0.871, respectively, indicating reliable instruments. The results show that Trust has a positive and significant effect on Intention to Use (B = 0.429; β = 0.422; t = 4.834; p < 0.001). Perceived Risk also has a positive and significant effect (B = 0.451; β = 0.421; t = 4.814; p < 0.001). Simultaneously, both variables significantly affect Intention to Use (F(2,95) = 68.277; p < 0.001). The R² value of 0.590 indicates that Trust and Perceived Risk explain 59.0% of the variance in Intention to Use, while the remaining 41.0% is associated with factors outside the model. These findings highlight the relevance of customer trust and risk perceptions in the acceptance of Muamalat DIN. However, the positive effect of Perceived Risk should be interpreted cautiously, after confirming that the questionnaire items and coding accurately measure perceived risk.