Introduction:Islamic financial conceptenables an integrationbetween commercial and social finance. It has a substantial benefit for the economy. This study aimsto investigate the factors that influence Muslim millenials intention to contribute toward integrated Islamic commercial and social finance (IICSF), especiallyin Indonesiacase.Research Methods:Using modified TPB framework, primary data is collected from respondents located in Jakarta, Bogor, Depok, Tangerang, and Bekasi.Partial Least Square-Structured Equation Modelling(PLS-SEM) is utilized to analyze the data.Results:The result indicatesthat knowledge, religiosity, attitude, subjective norms, and perceived behavioral control have significant impact on Muslim millennials’intention to contribute toward IICSF. Meanwhile,relative advantage is found to be insignificant.Conclusion:To boost the practice and implementation of IICSF, it is important to raise public knowledge, religiosity, attitude, and to increase education so society are well educated about the products.This study contributes to the limited research on integrated Islamic finance from a consumer perspective, particularly focusing on the behavioral intentions of Muslim millennials in Indonesia.

This research aims to analyze the influence of seller ethics on customer satisfaction, trust, and loyalty. Additionally, it aims to explore the impact of satisfaction and trust on customer loyalty within the automotive industry. Using a quantitative approach and survey method, data was collected from 95 automotive industry employees in the Jabodetabek-Karawang area via cluster sampling. A questionnaire was utilized for data collection, and the analysis was conducted using PLS SEM.The results indicate that seller ethics positively and significantly impact customer trust, satisfaction, and loyalty. Specifically, enhanced seller ethics correlate with higher customer satisfaction, strengthened customer trust, and increased customer loyalty. Moreover, high customer trust boosts loyalty, and customer satisfaction is crucial for fostering loyalty.These findings underscore the importance of seller ethics in cultivating robust and profitable customer relationships. By practicing good ethics in customer interactions,sellers can enhance trust, satisfaction, and loyalty. This study contributes to the automotive industry literature and has practical implications for companies, suggesting that improving salesperson ethical behavior through training and coaching can be beneficial.

This study aims as a first step in determining the financial health of the company using the Early Warning System (EWS) financial ratios and early corporate bankruptcy. This research aims to analyze the Altman Z-Score and Fulmer Model models which will be used as an Early Warning System (EWS) for sharia insurance vulnerabilities in Indonesia. The Altman Z-Score and Fulmer Model methods use data obtained from financial reports and processed as a measure of financial health. The ratio that influences the financial vulnerability of sharia insurance in Indonesia using the Altman method which has been modified using PCA is the ratio of retained earnings/total assets (X2) and income before tax/total assets (X3). Meanwhile, the influential ratios from the Fulmer method modified using PCA found 3 ratios that influenced the financial vulnerability of sharia insurance in Indonesia, namely Retained Earning/Total Assets (V1), EBT/Equity (V3) and Cash Flow/Total Debt (V4).

Ekselensia Tahfizh School (e-Tahfizh) is a human resource development program with a focus on memorizing Al-Qur'an, dirasah Islamiyah,andleadershipundertheauspicesoftheLembagaAmilZakat (LAZ)DompetDhuafa.This study aims to determine the extent to which the effectiveness of the e-Tahfizh program in helping beneficiaries feel a change in welfare in their lives. This study uses a quantitative and descriptive qualitative approach with a random sample technique and data collection through interviews and questionnaires to 28 alumni, as well as applying the CIBEST model and T-test to measure changes in spiritual well-being before and after undergoing program coaching.The results showed that the program was effective, where the spiritual well-being index increased from 75% to 82.14% before and after becoming an alumnus of the e-Tahfizh program. In addition, the t-test also showed statistical significance with a p-value of 0.022 (one-way) and 0.044 (two-way),sothestatisticaltestresultsweredeclaredsignificantbecausethey were smaller than 0.05.The practical implications of this research show that ZISWAF-based education could improvethe spiritual welfare of underprivileged communities. The e-Tahfizh model could expand access to Islamic education and optimize the role of ZISWAF in human resource development.Dompet Dhuafa continues to encourage evaluation to improve program quality and expand access to Islamic values-based education