THE MEDIATION ROLE OF TRUST AND AWARENESS IN INFLUENCING SUBJECTIVE NORMS ON INTENTION IN USING SHARIA FINANCING

Abstract

The availability of sharia financing can be an alternative solution for MSMEs actors in developing their business and is considered more equitable and in accordance with Islamic values. This study has 1) analyze the influence of subjective norms on the intention of MSMEs using sharia financing, 2) analyze the role of trust as a mediation in influencing subjective norms on MSMEs intention using sharia financing, and 3) analyze the role of awareness as a mediation in influencing subjective norms on MSMEs intention using sharia financing. The population and sample are food culinary entrepreneurs in the cities of Pekanbaru, Siak, Bangkinang, and Pangkalan Kerinci, consisted of 100 people. The sampling technique use by accidental sampling method and data analysis using SmartPLS (Partial Least Square) 3.0 software. The finding explains 1) subjective norms have a significant effect on MSMEs intention in using sharia financing, 2) trust acted as a mediation in influencing subjective norms on MSMEs intention in using sharia financing, and 3) awareness acted as a mediation in influencing subjective norms on MSMEs intention in using sharia financing share. In principle, the role of the family is very support of culinary entrepreneurs to use sharia financial needs, especially with goodness and the management system is sharing profits.

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