Purpose The purpose of this paper is to empirically examine the factors that affect Muslim customers’ participation in using Baitul Maal wat Tamwil (BMT). The decomposed theory of planned behaviour (DTPB) was used as the research framework. Design/methodology/approach The paper uses primary data collected by self-administered questionnaires involving a sample of 405 respondents from selected BMTs in five different regencies in East Java. Structural equation modelling was used in the analysis. Findings This study revealed that among the three main beliefs, only perceived behavioural control towards BMT was found to have positive and significant impact on clients’ participation towards BMT. With regards to antecedents’ influence on their main beliefs, only perceived compatibility, perceived complexity and uncertainty and facilitating condition were not significant. Research limitations/implications As the data collected are existing clients of BMT, behavioural intention is excluded from the study, and as a result, the study may lack comprehensive results. Therefore, future study will be very useful if it includes behavioural intention as the variables. Practical implications The finding of the present study could help BMT to better manage by focussing on relative advantage and behavioural control to build client relationships. Originality/value The paper may be first study to apply DTPB to client behaviours in the area of Islamic microfinance in Indonesia.

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Wisata Syariah didasari pertimbangan bahwa pariwisata memiliki nilai potensi pasar yang sangat besar dan akan memberikan kemanfaatan yang besar bagi umat. Bahkan segmen wisata halal bukan hanya untuk wisatawan muslim melainkan juga wisatawan non-muslim. Tujuan dari studi ini adalah untuk menguji sikap pelaku pariwisata terhadap potensi wisata halal di obyek wisata Telaga Ngebel, Ponorogo. Dalam mencapai tujuan yang dimaksud, pendekatan kualitatif diterapkan dalam penelitian ini. Studi ini menggunakan data primer yang dikumpulkan melalui semi-structure interview dengan melibatkan sekitar 10 responden yang terdiri dari wisatawan, pelaku usaha di bidang restoran, penginapan dan juga pemangku kebijakan (pemerintah). Tematik analisis digunakan sebagai teknik analisis. Hasil studi mengungkapkan secara umum, responden pada wisata Telaga Ngebel memberikan dukungan yang positif terhadap potensi penerapan wisata Syariah. Studi juga menemukan bahwa kesiapan penerapan wisata Syariah di obyek wisata Telaga Ngebel terlihat dari tersedianya layanan fasilitas yang ramah muslim seperti makanan halal, tempat ibadah (musholla/ masjid), tanda arah kiblat dan juga akomodasi yang ramah muslim. Selain itu, srategi sosialisasi terhadap wisata Syariah perlu diterapkan. Studi menyarankan perlunya sosialisasi terhadap pentingnya label sertifikasi halal terutama pada produk-produk makanan dalam rangka untuk memberikan kenyamanan wisatawan yang datang di Telaga Ngebel sehingga akan berimplikasi pada peningkatan wisatawan..

Keywords:examine the main factors that hinder customers to access a the respondents. The interview involves seven experts in The study reveals that, the religious factor is perceived eligibility, and availability factors. The study indicates that

This study aims to explain the performance development in BRISyariah Ponorogo with the maqāṣid al-sharī‘ah model. This study uses a qualitative research methodology with the object of research at BRISyariah Ponorogo. The results of this study indicate that BRISyariah Ponorogo refers to the five aspects described by Al-Ghazali in preservating of religion, soul, mind, progeny and wealth. The application is seen from the commitment of BRISyariah Ponorogo in maintaining the sharia of all products from the culture of usury practice.