This study aims to examine the influence of Islamic financial literacy, Shariah attitude, and technology readiness on Islamic microfinance adoption intention among MSMEs in Malang City. A quantitative approach with a causal-explanatory design was employed, involving 200 MSME owners or managers as respondents. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS software. The results reveal that Islamic financial literacy, Shariah attitude, and technology readiness have a positive and significant effect on Islamic microfinance adoption intention. Among these variables, Islamic financial literacy emerges as the most dominant factor influencing adoption intention. The proposed model explains 44.1% of the variance in Islamic microfinance adoption intention. These findings indicate that adoption behavior in Islamic microfinance is shaped not only by financial knowledge but also by value orientation and digital readiness.
