Factors influencing customer interest in using sharia gold pawn service (Ar-Rahnu) among Kubang Pasu district people

This study aims to analyze the factors that influence customer interest in using sharia gold pawn services (Ar-Rahnu) in the Kubang Pasu area, Kedah, Malaysia. The three main variables analyzed are religiosity, promotion, and information technology. This study uses a quantitative approach by distributing questionnaires to 100 respondents who are users of Ar-Rahnu services. The analysis methods used include validity and reliability tests, multiple linear regression analysis, and partial and simultaneous hypothesis tests. The results of the study show that the three independent variables—religiosity, promotion, and information technology—have a significant effect on customer interest in using Ar-Rahnu services. Partially, each variable has a positive contribution in increasing customer interest. Information technology has been shown to facilitate access to services, effective promotions increase awareness and interest, while the level of religiosity influences customer preferences for sharia-based products. This study contributes to Islamic financial institutions in designing marketing strategies and digitalization of services in accordance with sharia principles. In addition, these findings can be used as a basis for policy makers in supporting the development of sharia economy through optimizing Ar-Rahnu services.