Main Article Content
Abstract
Purpose: This study aims to analyze the influence of brand awareness, brand image, and brand trust on customers’ decisions to use Sharia pawnbroking products at PT Pegadaian Syariah Ujungbulu.
Research Method: This study employs a quantitative approach using a survey method involving 102 customers selected through random sampling. Data analysis was conducted using validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-tests, and the coefficient of determination.
Results and Discussion: The study indicates that brand awareness and brand image do not significantly affect customer decisions, whereas brand trust has a positive and significant effect. These findings suggest that the decision to use sharia-compliant pawnshop products is influenced more by trust in sharia compliance, contract transparency, and transaction security than by brand awareness or brand image.
Implications: This study underscores the importance of building customer trust through consistent adherence to Sharia principles and improving service quality.
Originality: This study highlights brand trust as the primary determinant of customer decisions regarding sharia pawnbroking services.
Keywords
Article Details

This work is licensed under a Creative Commons Attribution 4.0 International License.
References
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- Akbar, M. A., & Sutisna, E. (2023). Improving Brand Image of Product Through Integrated Marketing Communications. Advances: Jurnal Ekonomi & Bisnis, 1(3), 171–193. https://doi.org/10.60079/ajeb.v1i3.116
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- Asprilia, M. T., & El Hami, A. (2021). Persepsi nilai mewah pada konsumen tas branded: Kajian nilai budaya di Indonesia. Jurnal Ilmu Keluarga Dan Konsumen, 14(1), 76–87. https://doi.org/10.24156/jikk.2021.14.1.76
- Bernarto, I., Purwanto, A., & Masman, R. R. (2022). The effect of perceived risk, brand image, and perceived price fairness on customer satisfaction. Jurnal Manajemen, 26(1), 35–50. https://doi.org/10.24912/jm.v26i1.836
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- Dewi, W. W. A., Febriani, N., Destrity, N. A., Tamitiadini, D., Illahi, A. K., Syauki, W. R., Avicenna, F., Avina, D. A. A., & Prasetyo, B. D. (2022). Teori perilaku konsumen. Universitas Brawijaya Press.
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- Latief, F., Semmaila, B., & Arfah, A. (2022). The Influence of Brand Image and Product Quality on Musical Instrument Purchase Decisions. Point of View Research Management, 3(2), 121–133. http://journal.accountingpointofview.id/index.php/POVREMA/article/view/199
- Lombok, E. V. V., & Samadi, R. L. (2022). Pengaruh brand image, brand trust dan digital marketing terhadap keputusan pembelian konsumen pada produk emina (studi kasus pada mahasiswa Universitas Sam Ratulangi). Jurnal Emba, 10(3), 953–964. https://doi.org/10.35794/emba.v10i3.43524
- Luayyin, R. H., Ardli, M. N., & Romli, A. S. (2024). Perilaku Mahasiswa Dalam Menentukan Produk Syariah (Studi Pada Mahasiswa Ekonomi Syariah). JSE: Jurnal Sharia Economica, 3(2), 137–146.
- Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20–38. https://doi.org/10.1177/00222429940580030
- Sari, L. P., Rifai, M. S., & Amarodin, M. (2025). Tinjauan Ekonomi Islam atas Perilaku Konsumen Muslim dalam Pembelian Produk UMKM: Studi Kasus pada RN Buket. Musyarakah: Journal of Sharia Economic (MJSE), 152–169. https://doi.org/10.24269/mjse.v5i2.12522
- Sarwoto, S., & Damanik, S. W. H. (2022). Pengaruh Persepsi Terhadap Keputusan Pembiayaan Melalui Kesadaran Merek. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 5(1), 473–477. https://doi.org/10.47065/ekuitas.v4i2.2043
- Schiffman, L. G., & Wisenblit, J. (2019). Consumer Consumer Behavior. (12th ed.). Pearson Education.
- Shofa, T. L., & Komariyatin, N. (2026). Pengaruh Customer Trust dan Perceived Risk terhadap Purchase Decision pada Produk Skintific dengan Customer Satisfaction sebagai Variabel Mediasi. SENTRI: Jurnal Riset Ilmiah, 5(2), 1822–1837. https://doi.org/10.55681/sentri.v5i2.5759
- Siahaan, T. B. U., Zubaidi, A., & Putra, I. (2023). Pengaruh Pengetahuan Religiusitas dan Brand Image terhadap Keputusan Anggota Ldk UIN Jakarta Menabung di Bank Syariah. AL ARBAH JURNAL EKONOMI, BISNIS DAN PERBANKAN SYARIAH, 7(2), 143–160. https://doi.org/10.34005/elarbah.v7i2.3596
- Sulistyowati, S., Yuni Safitri, Galuh Anisa Fala, & Siti Selvi Setyaningrum. (2025). Pengaruh Persepsi Value dan Fair Terhadap Perilaku Konsumen Pada Produk Halal: Pendekatan Behavioral Islamic Economics Pelaku UMKM di Kota Solo. KASTA : Jurnal Ilmu Sosial, Agama, Budaya Dan Terapan, 5(3 SE-Articles), 268–283. https://doi.org/10.58218/kasta.v5i3.2466
- Ulwiyah, K., Maskudi, M., & Ayuningtyas, R. D. (2019). The impact of service quality dimensions to customer decision in using pawn service in pawnshop based on sharia principle (case study in pawnshop based on syariah principle at branch Semarang). Proceeding of Conference on Islamic Management, Accounting, and Economics, 49–55. https://journal.uii.ac.id/CIMAE/article/view/12893
- Waworuntu, A. Y., Hajar, H., & Otoluwa, N. I. (2023). Brand, Promotion and Innovation: Their Impact on Motorcycle Purchasing Decisions. Advances: Jurnal Ekonomi & Bisnis, 1(3), 150–157. https://doi.org/10.60079/ajeb.v1i3.105
- Wilson, J. A. J., & Liu, J. (2011). The challenges of Islamic branding: navigating emotions and halal. Journal of Islamic Marketing, 2(1), 28–42. https://doi.org/10.1108/17590831111115222
- Yusnitha, N. A. A., & Muslih, I. (2025). Analysis of the DSN-MUI Fatwa on the Rahn Contract: A Case Study at PT Pegadaian Syariah Simpang Lima Banyuwangi. Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam, 17(2), 54–68. https://doi.org/10.32505/jurisprudensi.v17i2.10557
- Yusuf, R., Istiharini, I., & Hendrayati, H. (2024). Brand Trust Dalam Perspektif Konsumen: Sebuah Systematic Literature Review Terhadap Faktor Dan Implikasinya. Jurnal Ekonomi Bisnis Dan Manajemen (Eko-Bisma), 3(2), 328–339. https://doi.org/10.58268/eb.v3i2.132
References
Aaker, D. A. (1991). Managing brand equity: Capitalizing on the value of a brand name. Free Press Google Scholar, 2, 102–120.
Akbar, M. A., & Sutisna, E. (2023). Improving Brand Image of Product Through Integrated Marketing Communications. Advances: Jurnal Ekonomi & Bisnis, 1(3), 171–193. https://doi.org/10.60079/ajeb.v1i3.116
Andespa, R., Yeni, Y., Fernando, Y., & Sari, D. (2023). Citra Merek, Nilai Persepsi, Kesadaran Merek, Kepercayaan Nasabah, dan Loyalitas Nasabah pada Perbankan Syariah. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 6(2). https://doi.org/https://doi.org/10.36778/jesya.v6i2.1266
Anggraeni, T., Fauzi, A., Rambe, D., Afrillia, W., Ambarwati, N. R., & Febrian, H. (2022). Pengaruh Strategi Pemasaran dan Kualitas Layanan Terhadap Keputusan Nasabah Pada Bank Syariah. Jurnal Portofolio: Jurnal Manajemen Dan Bisnis, 1(3), 212–218. https://doi.org/10.70704/jpjmb.v1i3.90
Arianty, N., & Andira, A. (2021). Pengaruh brand image dan brand awareness terhadap keputusan pembelian. Maneggio: Jurnal Ilmiah Magister Manajemen, 4(1), 39–50. https://doi.org/10.30596/maneggio.v4i1.6766
Asprilia, M. T., & El Hami, A. (2021). Persepsi nilai mewah pada konsumen tas branded: Kajian nilai budaya di Indonesia. Jurnal Ilmu Keluarga Dan Konsumen, 14(1), 76–87. https://doi.org/10.24156/jikk.2021.14.1.76
Bernarto, I., Purwanto, A., & Masman, R. R. (2022). The effect of perceived risk, brand image, and perceived price fairness on customer satisfaction. Jurnal Manajemen, 26(1), 35–50. https://doi.org/10.24912/jm.v26i1.836
Bhagas, D. A., Permata, T. D., & Hasanah, U. (2026). Pemahaman dan Preferensi Konsumen terhadap Produk dan Layanan Keuangan Syariah di Era Digital. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(3). https://doi.org/10.30651/jms.v11i3.31644
Cahyadi, N., & Respati, P. P. (2024). Brand Reputation, Brand Awareness Dan Brand Image Terhadap Kepercayaan Dan Loyalitas Donatur. Jurnal Manajerial, 11(02), 276–291. https://doi.org/10.30587/jurnalmanajerial.v11i02.7560
Chandra, D. S. (2023). Pengaruh Kualitas produk, Inovasi dan Interaksi Pelanggan terhadap Brand Image . Balance : Jurnal Akuntansi Dan Manajemen, 2(2), 73–79. https://doi.org/10.59086/jam.v2i2.328
Dewi, W. W. A., Febriani, N., Destrity, N. A., Tamitiadini, D., Illahi, A. K., Syauki, W. R., Avicenna, F., Avina, D. A. A., & Prasetyo, B. D. (2022). Teori perilaku konsumen. Universitas Brawijaya Press.
Fajri, M. N. (2022). Pengaruh Brand Image terhadap Keputusan Nasabah dalam memilih Jasa Keuangan pada PT. Gadai Syariah Cabang Tenggarong. Jurnal Administrasi Bisnis FISIPOL UNMUL, 10(3), 213–219. https://doi.org/10.54144/jadbis.v10i3.7473
Fauzan, I. F. M. (2024). Pengaruh konten pemasaran dan kualitas layanan terhadap loyalitas nasabah melalui kepuasan nasabah sebagai variabel mediasi pada PT. Bank Syariah Indonesia di Kota Malang. Universitas Islam Negeri Maulana Malik Ibrahim.
Firman, A. (2022). Pengaruh Bauran Pemasaran Terhadap Keputusan Konsumen Dalam Membeli Rumah. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 5(2). https://doi.org/https://doi.org/10.36778/jesya.v5i2.773
Kotler, P., & Keller, K. L. (2016). A framework for marketing management. Prentice Hall.
Lane Keller, K. (2013). Strategic Brand Management: Building, Measuring, and Managing Brand Equity. UK: Pearson Education Limited.
Latief, F., Semmaila, B., & Arfah, A. (2022). The Influence of Brand Image and Product Quality on Musical Instrument Purchase Decisions. Point of View Research Management, 3(2), 121–133. http://journal.accountingpointofview.id/index.php/POVREMA/article/view/199
Lombok, E. V. V., & Samadi, R. L. (2022). Pengaruh brand image, brand trust dan digital marketing terhadap keputusan pembelian konsumen pada produk emina (studi kasus pada mahasiswa Universitas Sam Ratulangi). Jurnal Emba, 10(3), 953–964. https://doi.org/10.35794/emba.v10i3.43524
Luayyin, R. H., Ardli, M. N., & Romli, A. S. (2024). Perilaku Mahasiswa Dalam Menentukan Produk Syariah (Studi Pada Mahasiswa Ekonomi Syariah). JSE: Jurnal Sharia Economica, 3(2), 137–146.
Morgan, R. M., & Hunt, S. D. (1994). The commitment-trust theory of relationship marketing. Journal of Marketing, 58(3), 20–38. https://doi.org/10.1177/00222429940580030
Sari, L. P., Rifai, M. S., & Amarodin, M. (2025). Tinjauan Ekonomi Islam atas Perilaku Konsumen Muslim dalam Pembelian Produk UMKM: Studi Kasus pada RN Buket. Musyarakah: Journal of Sharia Economic (MJSE), 152–169. https://doi.org/10.24269/mjse.v5i2.12522
Sarwoto, S., & Damanik, S. W. H. (2022). Pengaruh Persepsi Terhadap Keputusan Pembiayaan Melalui Kesadaran Merek. Jesya (Jurnal Ekonomi Dan Ekonomi Syariah), 5(1), 473–477. https://doi.org/10.47065/ekuitas.v4i2.2043
Schiffman, L. G., & Wisenblit, J. (2019). Consumer Consumer Behavior. (12th ed.). Pearson Education.
Shofa, T. L., & Komariyatin, N. (2026). Pengaruh Customer Trust dan Perceived Risk terhadap Purchase Decision pada Produk Skintific dengan Customer Satisfaction sebagai Variabel Mediasi. SENTRI: Jurnal Riset Ilmiah, 5(2), 1822–1837. https://doi.org/10.55681/sentri.v5i2.5759
Siahaan, T. B. U., Zubaidi, A., & Putra, I. (2023). Pengaruh Pengetahuan Religiusitas dan Brand Image terhadap Keputusan Anggota Ldk UIN Jakarta Menabung di Bank Syariah. AL ARBAH JURNAL EKONOMI, BISNIS DAN PERBANKAN SYARIAH, 7(2), 143–160. https://doi.org/10.34005/elarbah.v7i2.3596
Sulistyowati, S., Yuni Safitri, Galuh Anisa Fala, & Siti Selvi Setyaningrum. (2025). Pengaruh Persepsi Value dan Fair Terhadap Perilaku Konsumen Pada Produk Halal: Pendekatan Behavioral Islamic Economics Pelaku UMKM di Kota Solo. KASTA : Jurnal Ilmu Sosial, Agama, Budaya Dan Terapan, 5(3 SE-Articles), 268–283. https://doi.org/10.58218/kasta.v5i3.2466
Ulwiyah, K., Maskudi, M., & Ayuningtyas, R. D. (2019). The impact of service quality dimensions to customer decision in using pawn service in pawnshop based on sharia principle (case study in pawnshop based on syariah principle at branch Semarang). Proceeding of Conference on Islamic Management, Accounting, and Economics, 49–55. https://journal.uii.ac.id/CIMAE/article/view/12893
Waworuntu, A. Y., Hajar, H., & Otoluwa, N. I. (2023). Brand, Promotion and Innovation: Their Impact on Motorcycle Purchasing Decisions. Advances: Jurnal Ekonomi & Bisnis, 1(3), 150–157. https://doi.org/10.60079/ajeb.v1i3.105
Wilson, J. A. J., & Liu, J. (2011). The challenges of Islamic branding: navigating emotions and halal. Journal of Islamic Marketing, 2(1), 28–42. https://doi.org/10.1108/17590831111115222
Yusnitha, N. A. A., & Muslih, I. (2025). Analysis of the DSN-MUI Fatwa on the Rahn Contract: A Case Study at PT Pegadaian Syariah Simpang Lima Banyuwangi. Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam, 17(2), 54–68. https://doi.org/10.32505/jurisprudensi.v17i2.10557
Yusuf, R., Istiharini, I., & Hendrayati, H. (2024). Brand Trust Dalam Perspektif Konsumen: Sebuah Systematic Literature Review Terhadap Faktor Dan Implikasinya. Jurnal Ekonomi Bisnis Dan Manajemen (Eko-Bisma), 3(2), 328–339. https://doi.org/10.58268/eb.v3i2.132