https://penerbitgoodwood.com/index.php/Bukhori <div align="justify">Bukhori: Kajian Ekonomi dan Keuangan Islam is a scientific publication media that publishes selected manuscripts with current topics in Islamic economics and financial studies. Bukhori aims to be a useful platform for spreading scientific studies on various issues and a strategic tool for developing theories and practices in the fields of Islamic Economy and Finance.</div> Penerbit Goodwood en-US Bukhori: Kajian Ekonomi dan Keuangan Islam 2798-6691 <p>Authors who publish with this journal agree to the following terms:</p> <ol> <li class="show">Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a&nbsp;<a href="http://creativecommons.org/licenses/by-sa/4.0/" target="_blank" rel="noopener">Creative Commons Attribution License (CC BY-SA 4.0)</a>&nbsp;that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.</li> <li class="show">Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.</li> <li class="show">Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.</li> </ol> https://penerbitgoodwood.com/index.php/Bukhori/article/view/4812 <p><strong>Purpose: </strong>This study aims to analyze the influence of estimated value, ujrah (service fee), and promotional activities on the use of Islamic gold pawn (rahn) financing products at the Baturaja Islamic Pawnshop. Design/methodology/approach: This study investigates the partial and simultaneous effects of these variables and identifies the most dominant factor influencing customer decisions.</p> <p><strong>Methodology/approach: </strong>This research employs a descriptive quantitative method using primary data collected through questionnaires distributed to 98 respondents who are active customers of Pegadaian Syariah Baturaja. Additional data were obtained from documentation and observations. The sampling technique used was purposive sampling, applying the Slovin formula with a 10% margin of error. Data analysis was conducted using multiple linear regression with SPSS version 25.</p> <p><strong>Results/findings: </strong>The results indicate that the estimated value, ujrah, and promotion each have a positive and significant effect on the use of Islamic gold pawn financing products. Simultaneously, the three variables significantly influenced customers’ decisions to choose the rahn product. The adjusted R-square value of 0.826 demonstrates that 82.6% of the variance in product usage can be explained by these variables.</p> <p><strong>Conclusions:</strong> The findings suggest that higher estimated values, lower ujrah, and more effective promotional efforts positively impact customer interest in Islamic gold pawn products.</p> <p><strong>Limitations: </strong>This study was limited to one branch, potentially affecting its generalizability across different regions.</p> <p><strong>Contribution: </strong>The findings provide valuable insights for improving marketing strategies and expanding customer engagement with Islamic financial products, particularly Rahn.</p> Diska Riani Any Eliza Ahmad Hazas Syarif Copyright (c) 2025 Diska Riani, Any Eliza, Ahmad Hazas Syarif https://creativecommons.org/licenses/by-sa/4.0 2025-07-03 2025-07-03 5 1 1 17 10.35912/bukhori.v5i1.4812