Sharia Governance, Islamic Leadership, and Customer Religiosity in En- hancing Value Co-Creation: The Mediating Role of Customer Commitment in Islamic Financial Institutions

This article examines the influence of Sharia Governance, Islamic Leadership, and Customer Religiosity on Value Co-Creation, with Customer Commitment as a mediating variable in Islamic financial institutions. Using survey data from 400 customers in Indonesia and Partial Least Squares Structural Equation Modeling, the study shows that governance, leadership, and religiosity significantly enhance customer commitment and value co-creation. The findings contribute to Islamic banking and service management literature by integrating institutional, relational, and religious factors into a unified value co-creation framework.