This study investigates the determinants of customer loyalty in Islamic banking in Indonesia within a digital service context. Grounded in Expectation Confirmation Theory (ECT), the study examines the effects of e-service quality and brand image on customer loyalty, with religiosity considered as both a direct and moderating variable. Using a quantitative approach, data were collected from 161 Islamic mobile banking users in the Jabodetabek region and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results reveal that e-service quality, particularly efficiency and compensation, along with brand image and religiosity, has a significant positive effect on customer loyalty, whereas responsiveness shows no significant impact. Moreover, religiosity does not moderate the relationships between e-service quality or brand image and customer loyalty. These findings suggest that customer loyalty in Islamic digital banking is driven primarily by functional service performance and brand perception, with religiosity playing a supportive but non-interactive role.

This study aims to analyze the determinants of loyalty of Millennial and Gen Z Muslim tourists in Greater Jakarta (Jabodetabek) to leading halal tourism destinations in Indonesia. The primary focus is on the influence of destination image (affective and cognitive) on halal experiences, satisfaction, and tourist loyalty. Drawing on Expectation Confirmation Theory (ECT) and Muslim consumer behavior theory, this study seeks to address the research gap regarding how urban Muslim tourists evaluate halal experiences at destinations in Muslim-majority and minority regions that are considered high-priority tourism destinations in Indonesia. The research method used was a quantitative approach with Partial Least Squares Structural Equation Modeling (PLS-SEM). Primary data were obtained through an online questionnaire distributed to 137 Muslim Millennials and Gen Z respondents residing in Greater Jakarta (Jabodetabek) and having visited leading halal tourism destinations. The research instrument measured affective image, cognitive image, halal experience, satisfaction, and tourist loyalty using a five-point Likert scale. The results showed that affective image and cognitive image had a significant positive effect on halal experience and tourist loyalty. Halal experience was shown to have a very strong positive effect on tourist satisfaction, while tourist satisfaction did not have a significant direct effect on loyalty. These findings confirm that loyalty in the Millennial and Gen Z segments is shaped more by perceptions of destination image and halal experience than by satisfaction alone. Practically, this research provides important implications for halal destination managers to strengthen the emotional and rational aspects of providing Sharia-compliant halal services while building deep emotional bonds with young Muslim tourists.

Sharia-based retail businesses, such as sharia minimarkets, have grown to meet the rising demand for halal
products among Muslim consumers, yet brand loyalty in this sector remains underexplored. This study aims to
examine the influence of religiosity, brand image, and perceived value on brand loyalty among 201 Muslim
consumers in Jakarta, Bogor, Depok, Tangerang, and Bekasi (Jabodetabek). The study employs an explanatory
quantitative method with Structural Equation Modeling–Partial Least Squares (SEM-PLS) analysis. The results
indicate that religiosity, brand image, and perceived value each have a positive and significant effect on brand
loyalty. Furthermore, religiosity significantly enhances both brand image and perceived value. The findings
highlight the strategic importance of integrating religious values into branding and customer value creation to
strengthen loyalty in the Islamic retail sector.

ABSTRACT Purpose – This study aims to analyze the effect of brand equity and halal labels on purchase intention toward Wardah cosmetics from an Islamic marketing perspective in the Bogor region. It builds on previous studies that show inconsistent results regarding the role of halal attributes in consumer purchase behavior. By incorporating halal awareness as a moderating variable and applying the SEM-PLS method, this study seeks to clarify these relationships in a local halal cosmetics market. The findings indicate that brand equity and brand image positively influence purchase intention, while halal awareness does not moderate these effects.
Design/Methods/Approach – This study employed a quantitative approach using a survey method to collect data from consumers who have purchased Wardah cosmetics in the Bogor region. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to examine the relationships between brand equity, brand image, halal awareness, and purchase intention.
Findings – The results show that brand equity and brand image have a positive and significant effect on purchase intention. However, halal awareness does not moderate the relationship between brand equity and purchase intention, nor between brand image and purchase intention. These findings indicate that branding factors play a more dominant role than halal awareness in influencing consumers’ purchase intention toward Wardah cosmetics in the Bogor region.
Research Implications/Limitations – This study is limited by its focus on a single halal cosmetic brand (Wardah) and a specific geographic area (Bogor), which may restrict the generalizability of the findings to other brands or regions. The use of a cross-sectional survey and self-reported data may also limit the ability to capture changes in consumer behavior over time. Nevertheless, the findings provide practical implications for halal cosmetic marketers by highlighting the greater importance of brand equity and brand image compared to halal awareness in shaping purchase intention within a local Muslim market.

his study was conducted to analyze the extent to which Fear of Missing Out (FoMO), Impulsive Buying Behavior, and Social Media Influence online purchase intention among Generation Z. The research employed a quantitative causal method. The population consisted of generation Z individuals, with a total of 170 respondents selected using purposive sampling. Data were collected through an online questionnaire distributed via google forms and analyzed using SPSS software. The result of the study indicate that: (1) Fear of Missing Out (FoMO) has a positive and significant influence on generation Z online purchase intention. (2) Impulsive Buying Behavior has a negative but not significant effect on generation z online purchase intention. (3) Social media has a positiveand significant impact on generation Z online purchase intention. (4) The Three variables jointly have a significant influence on generation z online purchase intention.

This study aims to determine the influence of ease of use, consumer confidence, and
reviews on repurchase interest on the Shopee platform among Generation Z in the Jabodetabek
area. Titled "The Influence of Ease of Use, Consumer Confidence, and Reviews on Repurchase
Interest on the Shopee Platform: A Case Study on Gen Z in Jabodetabek," this research employs a
causal quantitative approach using the SEM-PLS analysis technique. The sampling method used
is purposive sampling, with data collected through an online questionnaire distributed via Google
Forms to 150 active Shopee users from Gen Z. The findings of this study are expected to provide
insights into the factors influencing repurchase decisions in e-commerce, particularly among
young consumers.

This study aims to determine how much influence the variables of product quality, price
perception, and brand image have on buying interest in Hanasui skincare serum. Using a
quantitative approach with Multiple Linear Regression analysis techniques. Sampling using
purposive sampling by distributing questionnaires online via Google Form to 100 students in
Bogor district who use / are interested in buying Hanasui skincare serum. The findings of this
study provide the results that (1) the product quality variable has a positive and significant effect
on buying interest in Hanasui skincare serum for students in Bogor district. (2) the price
perception variable has a positive and significant effect on buying interest in Hanasui skincare
serum for students in Bogor district. (3) brand image variables have a negative and insignificant
effect on buying interest in Hanasui skincare serum among students in Bogor district. Each
variable simultaneously has a significant positive effect on buying interest in Hanasui skincare
serum among students in Bogor district.

This study aims to analyze the influence of perceived ease of use, transaction speed, and transaction security on consumer satisfaction in using QRIS as a payment method in the Bogor City MSME sector. The research method used was a quantitative approach with data collection techniques through the distribution of questionnaires to 215 respondents who were selected using purposive sampling techniques. The data was analyzed using the SmartPLS Structural Equation Modeling (SEM) method. The results of the study show that ease of use and transaction security have a positive and significant effect on consumer satisfaction. Meanwhile, the relatively low transaction speed has a negative impact on consumer satisfaction. Transaction security is the most dominant variable in influencing consumer satisfaction. These findings indicate the importance of improving security, convenience, and speed in the QRIS digital payment system to support wider adoption among MSMEs. This research is expected to be a reference for the development of strategies to improve digital payment system services in Indonesia
 

Purpose - This study examines the influence of social media
marketing and green knowledge sharing on climate change awareness
among university students in Indonesia and Turkey. These digital
initiatives are framed as a contemporary form of da'wah bil hal, where
Islamic values of environmental stewardship are promoted through
action-based communication and active engagement on social media
platforms.
Method - A quantitative approach was employed using Partial Least
Squares Structural Equation Modeling (PLS-SEM) to analyze data
collected from 327 students through purposive sampling.
Result - The findings reveal that social media marketing significantly
impacts green knowledge sharing (β = 0.279, p = 0.016) and climate
awareness (β = 0.305, p = 0.012), with green knowledge sharing
mediating the relationship (β = 0.112, p = 0.038). However, climate
awareness alone does not significantly lead to pro-environmental
behavior.
Implication – The study highlights that empowering students
through social media campaigns can be an effective strategy for
environmental da'wah, integrating Islamic values into climate action.
Originality/Value - This study is one of the first cross-cultural
investigations linking social media-driven environmental
communication with Islamic da'wah practices between Indonesia and
Turkey. It highlights cultural variations in environmental awareness
and communication style, where Indonesian students show higher
collectivist-driven engagement in green campaigns. In contrast,
Turkish students tend to approach environmental messaging more
individually. These contrasts enrich understanding of how Islamic
da'wah bil hal can be contextualized across different cultural and
educational settings.

This study, conducted with a quantitative research approach, aimed to examine the
factors influencing Islamic financial literacy and financial behavior, and their subsequent
impact on financial resilience among young couples post-COVID-19. Employing Structural
Equation Model-Partial Least Squares (SEM-PLS), the research analyzed data collected
through questionnaires from a total of 250 respondents. The findings suggested Islamic
Financial Literacy has both positive effects on Financial Resilience. and Islamic Financial
Behavior. Interestingly, Risk Tolerance Level has a negative effect on Islamic Financial
Behavior. In addition, Financial Behavior has a positive effect on Financial Resilience.

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 to analyze the influence of perceived ease of use, trust, and religiosity on the behavioral intention to perform cash waqf through a waqf application in the Jabodetabek area (Jakarta, Bogor, Depok, Tangerang, and Bekasi). This study employs a quantitative approach with a survey method to collect data from internet users who have participated in waqf through waqf applications or websites. Statistical techniques are used for data analysis to test the proposed hypotheses, and the analytical tool applied is SEM-PLS. The results showed that the three variables had a significant influence on interest in using the cash waqf application. Perceived Ease of Use acts as a major factor in technology adoption, where the ease of use of the application increases user interest. In addition, a high level of religiosity encourages individuals to be more interested in waqf through digital applications. Trust in transparency, security, and management of funds according to sharia principles also plays an important role in increasing user interest. The implications of these findings indicate the importance of waqf application providers to improve ease of use, transparency, and features that support religious values to attract more users. The findings are expected to provide insights into the future development of digital-based waqf applications. Future research could expand the research variables and apply a qualitative approach to dig deeper into the user experience.

This study examines the factors that influence customer loyalty at Islamic banks in West Java in the face of increasingly fierce competition in the Islamic banking industry. The research focuses on brand image, service quality, and customer satisfaction, highlighting the moderating role of customer satisfaction. The uniqueness of this study lies in the in-depth exploration of how customer satisfaction serves as a moderator that strengthens the relationship between brand image and loyalty in the religious preferences of the people of West Java. Data was collected from Islamic bank customers in West Java using purposive sampling method, with a total of 259 respondents. Data analysis was conducted using Structural Equation Modeling (SEM) with AMOS software version 24. The results showed that brand image, service quality, and customer satisfaction have a positive and significant effect on loyalty. In addition, customer satisfaction moderates the relationship between brand image and loyalty, strengthening customer trust and long-term commitment. This research introduces a new perspective by integrating the religiosity dimension as an intrinsic factor that influences the effectiveness of Islamic banks' strategies in increasing customer loyalty. The practical implication is that Islamic banks should enhance customer experience through specific strategies, such as providing intensive training to improve employees' service skills, using technology to ensure service efficiency and convenience, and developing marketing campaigns that are consistent with Islamic values. In addition, proactive and transparent complaint management can strengthen customer relationships. These measures are important to strengthen brand image, improve service quality, and foster loyalty in the long run.

Zakat Institutions and marketplace platforms have established a
collaboration to adapt to the growing shift toward digital transaction
patterns in managing Zakat, Infaq, and Shadaqah (ZIS). Marketplaces
offer convenience in ZIS collection, while LAZ ensures Sharia
compliance in fund management. This study highlights how such
collaboration significantly expands the reach of ZIS collection,
presenting immense potential, but also identifies challenges in ensuring
Sharia compliance and accountability. The research employs a
qualitative methodology to explore the dynamics of the collaboration
between Zakat Institutions and marketplace platforms. Thematic
analysis was applied to identify key themes related to the opportunities
and challenges of the collaboration. The research contributes to the
understanding of digital platforms' role in faith-based financial
management, offering practical insights for enhancing cooperation
between LAZ and marketplaces. It emphasizes the need for dialogue,
public education about ZIS and qurban, and system adjustments to
ensure Sharia compliance. The findings have practical implications for
improving digital ZIS management through enhanced accountability
and regulatory frameworks, making this collaboration a model for
leveraging technology in religious fund management.

The enactment of regulations regarding the obligation to guarantee halal products in Indonesia according to Law Number 33 2014 is mandatory and binds for SMEs owners to have halal guarantees for all products that are offered. However, the number of Indonesian SMEs that have been halal-certified remains very low and far from their potential. The purpose of this study was to analyze the effect of the level of literacy, religiosity, and legal compliance of SMEs owners on halal product guarantee regulations using a quantitative approach with a research instrument in the form of a questionnaire distributed to SMEs owners in Depok. This study used a purposive sampling technique and obtained as many as 152 food SMEs that had not been halal certified. The results of this study show that halal literacy and religiosity influence the motivation of SMEs owners to apply for halal certifications. There are still SMEs owners who do not know or understand the rules and requirements for applying for halal certification. Legal compliance has no influence on SME owners’ motivation to apply for halal product certification. The majority of respondents complied with business regulations but did not have halal certification. The results of this study are expected to contribute to the implementation of halal certification policies and growth of the halal industry in Indonesia.