Is Loan Shark an Alternative? The Intentions to Take a Loan from Loan Sharks in Indonesia

Research rarely reaches the discussion of loan sharks. This study describes how intentions are influenced by service, word-of-mouth, and subjective norms, with knowledge usury acting as a moderating variable. quantitative involved 150 respondents. The data collected was analyzed using structural Equation Modeling (SEM) SmartPLS 3 Software. According to this study, service significantly affected intention take from sharks but had no influence on word-of-mouth. Though it has intention, norm significant is mediated word mouth, which an intention. However, word-of-mouth does not act mediating variable between norms intentions. use services moderated about usury, also moderates norms. It did not, however, moderate As result, recommended that government create Islamic financial institutions only for middle class upper lower economic class, vulnerable