DIGITAL TRANSFORMATION AND MEMBER TRUST AT BMT MASLAHAH; THE ROLE OF MODERATION FROM THE PERCEPTION OF SHARIA COMPLIANCE

The rapid development of digital technology has encouraged Islamic microfinance
institutions to adopt digital transformation in order to enhance service efficiency and
strengthen member trust, while maintaining compliance with sharia principles. This study aims
to examine the effect of digital transformation on member trust at BMT Maslahah and to analyze
the moderating role of perceived sharia compliance in strengthening this relationship. Using a
quantitative research design, data were collected through a structured survey administered to
members of BMT Maslahah and analyzed using moderated regression analysis. The results
reveal that digital transformation has a positive and significant effect on member trust.
Furthermore, perceived sharia compliance significantly moderates this relationship, indicating
that a higher perception of sharia adherence strengthens the positive impact of digital
transformation on member trust. These findings highlight the importance of integrating
technological innovation with sharia principles. Therefore, Islamic microfinance institutions
are encouraged to align digital innovation strategies with sharia governance to enhance
member confidence. Future research is suggested to involve multiple Islamic financial
institutions, apply different analytical approaches, and incorporate additional variables such as
service quality and digital literacy to provide a more comprehensive understanding of trust
formation in the digital era.