Aisyah, Syaharuddin, Eka Suhartini, Awaluddin, & Saiful Muchlis. (2026). The Effect of Attitude Toward Behavior, Subjective Norm, and Perceived Behavioral Control on the Intention to Use an Umrah Installment Scheme with Religiosity as a Moderating Variable (A Study at PT Wahdah Islamic Travel). Al-Kharaj: Journal of Islamic Economic and Business, 8(3). https://doi.org/10.24256/kharaj.v8i3.9634