International Conference on Islamic Economic (ICIE)
International Conference on Islamic Economics is a journal's economic studies published every April and October by Sekolah Tinggi Agama Islam (STAI) Darul Ulum Banyuanyar Pamekasan. The scope and focus of this journal is about business ethics, capital markets, financial institutions, sharia accounting, sharia finance, micro, banking and rural finance, monetary and fiscal policy, economic thought, zakat, waqf and Islamic Philanthropy, maqashid Syariah and economic welfare. Globalization of the Halal Industry and other Islamic economic studies. Journal Title : International Conference on Islamic Economic (ICIE) ISSN : 2829-663X (online), 2829-5102 (print) Frequency : 2 issues per year Editor in Chief : Dr. Abdul Mukit, M.Pd.I Email : Jamiah.duba@gmail.com DOI Prefix : Prefix 10.58223 by Crossref Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan, Indonesia Indexation : Scholar, Garuda, Sinta 4,
Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan
International Conference on Islamic Economic diterbitkan berdasarkan ketentuan Creative Commons Attribution 4.0 International License / CC BY 4.0 Lisensi ini mengizinkan setiap orang untuk menyalin dan menyebarluaskan kembali materi ini dalam bentuk atau format apapun, menggubah, mengubah, dan membuat turunan dari materi ini untuk kepentingan apapun, termasuk kepentingan komersial, selama mereka mencantumkan kredit kepada Penulis atas ciptaan asli.
Assessing the Contribution of Hajj Savings Customers and Hajj Savings Deposits to Third-Party Fund Growth
Third-Party Funds (TPF) are the primary funding source for Islamic banks, yet the increasing number of customers does not always correspond to optimal growth in TPF. Likewise, although Hajj Savings based on the Wadiah Yad Dhamanah contract have become an increasingly popular savings product, empirical evidence regarding their contribution to TPF growth remains limited, particularly in regional Islamic banks. This study aims to examine the contribution of the number of customers and Hajj Savings funds under the Wadiah Yad Dhamanah contract to the growth of Third-Party Funds at PT Bank Sumut Sharia Sub-Branch Office Panyabungan. This study employed a quantitative associative approach using quarterly secondary data for the 2021–2025 period. Data were analyzed using multiple linear regression with SPSS. The findings reveal that the number of customers and Hajj Savings funds each have a positive and significant effect on Third-Party Funds, and jointly explain 85.3% of the variation in TPF growth. The study contributes empirical evidence that optimizing Hajj Savings products, alongside customer growth, can strengthen sustainable Third-Party Fund mobilization strategies in regional Islamic banking institutions.
Copyright (c) 2026 Windy Adinda Sari, Tuti Anggraini, Nurul Inayah http://creativecommons.org/licenses/by/4.0
Purchasing Decision Mediates Halal Awareness and Brand Image on Viva Cosmetics Customer Satisfaction
This study aims to examine the mediating role of purchase decisions in the relationship between halal awareness, brand image, and customer satisfaction of Viva Cosmetics. A quantitative approach was employed using primary data collected through online questionnaires from 151 Muslim consumers of Viva Cosmetics in Surabaya selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that halal awareness positively affects purchase decisions (β = 0.275, t = 3.446, p = 0.001), while brand image has a stronger positive effect on purchase decisions (β = 0.584, t = 7.151, p < 0.001). Purchase decisions significantly influence customer satisfaction (β = 0.254, t = 2.448, p = 0.014). Direct effects also show that halal awareness (β = 0.375, t = 2.825, p = 0.005) and brand image (β = 0.255, t = 2.247, p = 0.025) positively influence customer satisfaction. Mediation analysis reveals that purchase decisions do not significantly mediate the relationship between halal awareness and customer satisfaction (β = 0.070, t = 1.657, p = 0.098), whereas they significantly mediate the relationship between brand image and customer satisfaction (β = 0.148, t = 2.320, p = 0.020). The structural model explains 62.4% of the variance in purchase decisions (R² = 0.624) and 61.6% of the variance in customer satisfaction (R² = 0.616). These findings highlight the more substantial role of brand image than halal awareness in enhancing customer satisfaction through purchase decisions.
Copyright (c) 2026 Berliana May, Khusnul Fikriyah http://creativecommons.org/licenses/by/4.0
The Influence of QRIS and Cash Payment Usage on Halal Food MSME Purchasing Decisions among Muslim Generation Z in Surabaya
The rapid growth of the halal food industry and the increasing adoption of digital payment systems have transformed consumer purchasing behavior, particularly among Generation Z. This study aims to examine the effects of QRIS usage and cash payment on purchasing decisions for halal food MSMEs among Muslim Generation Z in Surabaya. A quantitative approach with a causal associative research design was employed. Data were collected through questionnaires from 169 respondents selected using purposive sampling and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method with SmartPLS. The results indicate that QRIS usage has a positive and significant effect on purchasing decisions (β = 0.720; t = 9.510; p < .001). Meanwhile, cash payment also has a positive and significant effect (β = 0.139; t = 2.084; p = .037), although its influence is considerably weaker than that of QRIS. These findings suggest that QRIS is the dominant payment method influencing purchasing decisions among Muslim Generation Z consumers in halal food MSMEs, while cash payment remains a relevant alternative transaction method. This study provides empirical evidence comparing the influence of digital and conventional payment methods on purchasing decisions and offers practical implications for halal food MSMEs in developing payment strategies that better align with consumer preferences.
Copyright (c) 2026 Nadzifa Ahya Nurdiana, Fira Nurafini http://creativecommons.org/licenses/by/4.0
Optimizing Facebook-Based Digital Marketing Strategies at Tadika Al Fikh Orchard Parklands, Malaysia
Analyzes the optimization of Facebook-based digital marketing at Tadika Al-Fikh Orchard Parklands, an Islamic early childhood education institution in Malaysia facing a sharp enrollment decline, from 32 students in 2022 to 13 in 2025. The research problem covers three aspects, namely the management of digital marketing from a human resource perspective, the reasons Facebook Ads has not been utilized, and the effectiveness of Facebook in attracting parental interest and trust. This study uses a qualitative method with a descriptive approach. Data were collected from six purposively selected informants, an account manager, two teachers, and three parents, through semi structured interviews, participant observation of the institution's Facebook account, and documentation. Data were analyzed using the interactive model of Miles, Huberman, and Saldana, covering data condensation, data display, and conclusion drawing. The findings show that Facebook management is handled by a single person for all branches, which limits content consistency. Facebook Ads has not been utilized due to budget constraints, limited technical competence, and the fact that the account used is a personal profile rather than an official Facebook Page, which structurally cannot activate paid advertising features. Facebook marketing is found to be effective in building initial awareness among parents but has not yet been effective in converting that awareness into enrollment decisions. The study concludes that migrating to an official Facebook Page, strengthening human resource capacity, and allocating a dedicated advertising budget are essential steps to optimize the institution's digital marketing strategy.
Copyright (c) 2026 Muhammad Alfharuq Aditya A. Hasibuan, Syahrul Amsari http://creativecommons.org/licenses/by/4.0
Optimizing Soft Selling-Based Promotional Strategies Through Facebook Content at Taska Cendekiawan Ceria, Penang
This study aims to analyze the optimization of a soft-selling-based promotional strategy through Facebook content at Taska Cendekiawan Ceria, Penang. The study employed a qualitative descriptive approach, with data collected through Facebook content observation, interviews, and documentation. The informants consisted of the head of the childcare center, the teacher responsible for managing the Facebook account, and parents of enrolled children. Data were analyzed using the stages of data reduction, data display, and conclusion drawing, while data trustworthiness was ensured through source, method, and theory triangulation. The findings indicate that Facebook promotional activities are still dominated by informational posts and documentation of daily activities, resulting in the suboptimal implementation of the three soft selling dimensions, namely feeling, implicit message, and image. This condition contributes to low audience engagement and limits the development of emotional connections and parental trust in the institution. The study suggests that promotional strategies can be optimized by developing storytelling-based content, delivering promotional messages implicitly, maintaining a consistent visual identity, and conducting regular engagement evaluations. This research proposes a soft-selling-based promotional strategy model that can enhance the effectiveness of Facebook promotion while strengthening the institutional image of Taska Cendekiawan Ceria as an early childhood education institution.
Copyright (c) 2026 Hawa Rahmayani, Alfi Amalia http://creativecommons.org/licenses/by/4.0
The Influence of Price, Product Quality, and Consumer Trust on Halal Product Purchase Decisions Through TikTok Shop
TikTok has become one of the social media platforms that has shown rapid growth in recent years. Through TikTok Shop, users can easily purchase products directly via the videos presented, without having to switch to other platforms or apps. However, consumers also consider factors that influence purchasing decisions, such as price, product quality, and consumer trust. This study was conducted to determine the influence of price, product quality, and consumer trust on purchasing decisions for halal products via TikTok Shop among Gen Z Muslim consumers in Surabaya. This study employed a quantitative approach using an associative method. A total of 112 respondents were selected through purposive sampling. Data were collected using a Likert-scale questionnaire, tested, and analyzed using multiple linear regression with SPSS Windows 25. The results indicate that price and product quality have a partial, positive, and significant effect on purchasing decisions. Meanwhile, consumer trust does not have a significant partial effect on purchasing decisions. However, price, product quality, and consumer trust all have a significant simultaneous impact on Gen Z Muslims’ decisions to purchase halal products through TikTok Shop. The findings of this study are expected to help businesses enhance their competitiveness and meet consumer needs in a competitive market.
Copyright (c) 2026 Ayusha Ainurrohmah, A’rasy Fahrullah http://creativecommons.org/licenses/by/4.0
Determinants of Cash Waqf Linked Sukuk Investment Preference: The Role of Religiosity, Income, and Reputation in East Java Millennials
Waqf assets are predominantly developed into physical buildings, while a considerable proportion remains underutilized as idle land, limiting their socio-economic potential. Although Cash Waqf Linked Sukuk (CWLS) has emerged in Indonesia as an innovative Islamic financial instrument supporting education, healthcare, and sustainable social infrastructure, public participation, particularly among millennials, remains relatively low. Therefore, this study aims to examine the influence of religiosity, income level, and institutional reputation on millennials’ investment interest in CWLS in East Java. This study employed a quantitative approach using survey data collected from 140 millennial respondents. Multiple linear regression analysis was applied to test the relationships among variables. The findings reveal that religiosity and income level do not significantly affect investment interest, whereas institutional reputation exerts a positive and significant influence. The coefficient of determination (R² = 0.663) indicates that 66.3% of investment interest is explained by the proposed variables. This study contributes by highlighting the strategic importance of institutional credibility, Islamic financial literacy, and Sharia compliance in strengthening public trust and promoting CWLS participation
Reputation Cash Waqf Linked Sukuk Preference
Copyright (c) 2026 Ananta Putri Sandrina, Ramdani http://creativecommons.org/licenses/by/4.0
Exploring Muslim Consumers’ Perceptions of Halal-Certified MSME Food: Evidence from “Kebab Rakyat” in Surabaya
Indonesia ranks among the countries with the highest halal product consumption in the world, yet the competitiveness of its national halal industry in the food sector remains below that of Malaysia and the United Arab Emirates. This condition indicates that halal certification has not been fully optimized as a business strategy, particularly at the micro, small, and medium enterprise (MSME) level. This study aims to explore Muslim consumer perceptions toward Kebab Rakyat, a halal-certified food MSME in Surabaya. Through a descriptive qualitative methodology, this study integrates data from multiple sources via interviews, observation, and documentation. The findings reveal a collective understanding among Muslim consumers that halal certification serves as a form of consumer protection. However, variations in perception were observed regarding its significance, where some consumers regarded halal certification as a primary consideration in purchase decisions, while others viewed it as a supporting factor complementing aspects such as taste, price, and consumption experience. This study contributes to advancing understanding of the role of halal certification in shaping positive perceptions, enhancing consumer confidence, and strengthening trust toward halal food MSMEs.
Copyright (c) 2026 Keisya Az Zahra Laetisya Virdian, Yan Putra Timur http://creativecommons.org/licenses/by/4.0
Product Non-Conformity in TikTok Shop Transactions: A Case Study of E-Commerce Buying Practices
The rapid development of technology has greatly facilitated various aspects of life, one of which is in the trade sector, which has now shifted to online platforms. One of the most widely used applications for transactions is TikTok Shop. Although it offers convenience, online shopping also brings various problems, especially regarding the quality of products that do not match the description and the discrepancy in shipping times. This results in consumer dissatisfaction, as they often face difficulties when attempting to return items. This study aims to analyze online shopping practices on TikTok Shop from the perspective of Islamic economics, particularly in terms of transaction compliance with the principles of fiqh muamalah. This research uses a descriptive qualitative approach, with data collection techniques through direct interviews with students from Universitas Al Falah Assunniyah Kencong Jember who have made transactions on TikTok Shop. The findings indicate that online transactions on TikTok Shop often do not meet the valid requirements in Islam, particularly regarding the mismatch between the delivered goods and the description, as well as the buyer’s right to return goods. Therefore, a deeper understanding of the principles of fiqh muamalah in online transactions is essential to ensure that these trade activities align with Islamic regulations. This study also emphasizes the importance of implementing systems that provide guarantees for consumers in the form of the right of khiyar (option) to continue or cancel transactions
Copyright (c) 2026 Nur Hasanudin, Muhammad Hamdi http://creativecommons.org/licenses/by/4.0
The Influence Of Halal Knowledge, Halal Awareness, Religiosity On Food Beverages Purchase Decisions Among Generation Z
The dominance of the consumer market in Indonesia, now led by Generation Z Muslims, presents the culinary industry with the challenge of meeting food needs in accordance with sharia principles. In rapidly developing urban areas such as Surabaya, the dynamics of food and beverage consumption continue to soar, but have not been matched by the even distribution of official halal certification for every culinary product in circulation. Field conditions demonstrate this phenomenon, where some young Muslim consumers are still ignorant and continue to consume products whose halal status is not guaranteed, reflecting their cognitive understanding and spiritual depth. This study applies an associative quantitative approach through primary data collection from 131 respondents domiciled in Surabaya. Data were analyzed using techniques (SPSS) to test direct and indirect relationships between variables. The results of the complete test indicate that partially halal knowledge, halal awareness, and religiosity have a significant influence on purchasing decisions for halal food and beverage products. This study contributes to regulators and educational institutions in developing knowledge about halal in the food and beverage world for Generation Z.
Copyright (c) 2026 Suci Maulidya, Fira Nurafini http://creativecommons.org/licenses/by/4.0
Entrepreneurial Management as an Effort to Develop the Economic Sustainability of Darul Falah Islamic Boarding School
This study aims to analyze entrepreneurial management as an effort to develop the economic independence of Islamic boarding schools (pesantren) through the role of LAZISWA (Institution for Zakat, Infaq, and Sadaqah Management). The background of this research is based on the importance of economic self-reliance in supporting the sustainability of Islamic-based educational institutions. In this context, entrepreneurship becomes an effective strategy, particularly when it is managed systematically and supported by internal funding sources such as LAZISWA. This study employs a qualitative approach with a descriptive method. Data collection techniques include interviews, observations, and documentation. The collected data are then analyzed using qualitative data analysis techniques, which consist of data reduction, data presentation, and conclusion drawing. The results of the study indicate that entrepreneurial management in the pesantren has been implemented systematically through the application of integrated management functions in managing various business units. The presence of LAZISWA plays a significant role as a source of productive funding that supports the development and sustainability of these business units. The synergy between entrepreneurial management and the utilization of LAZISWA funds has encouraged the establishment of various productive enterprises, contributing to the economic independence of the pesantren, improving the welfare of its community members, and strengthening the entrepreneurial spirit among the students
Copyright (c) 2026 Hamiyah, Ahmad Fauzan, Yosep Aspat Alamsyah http://creativecommons.org/licenses/by/4.0
The Influence of Halal Certification, Halal Awareness, and Promotion on Purchase Intention of Se'Indonesian Products Among Muslim Consumers in Surabaya City
The low number of halal certifications in Indonesia, reaching only 6,4 million out of 30 million culinary MSMEs, raises consumer doubts and decreases purchase intentions. This issue is compounded by the low level of halal awareness among the public, particularly the youth who lack understanding of the halal concept, as well as ineffective social media promotions that merely copy trends without clear objectives, leading to a decline in buying interest. This study aims to analyze the influence of halal certification, halal awareness, and promotion on the purchase intention of Se'Indonesia products among Muslim consumers in Surabaya. A quantitative research method was employed, utilizing primary data obtained from an online questionnaire distributed to 120 respondents selected via purposive sampling, and analyzed using multiple linear regression. The results indicate that halal certification, halal awareness, and promotion have a positive and significant effect on purchase intention, both partially and simultaneously, with a combined contribution of 81.6%. This research can serve as a reference for policies or decisions and provide insights for related parties.
Copyright (c) 2026 Andi Riyadi, Irfan Ramis http://creativecommons.org/licenses/by/4.0
A Comparative Analysis of Financial Performance: Islamic Banks vs. Digital Islamic Banks (2021–2025)
The rapid acceleration of digitalization in Indonesia’s financial sector has transformed banking business models, particularly within Islamic banking institutions. However, limited empirical evidence exists regarding the comparative financial performance of Islamic digital banks and conventional Islamic banks, creating a significant research gap in evaluating the effectiveness of digital transformation. This study aims to analyze and compare the financial performance of Islamic banks and Islamic digital banks in Indonesia during the 2021–2025 period. Employing a quantitative comparative approach, the research examines key financial indicators, including Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Net Profit Margin (NPM), to assess differences in financial stability, liquidity, and profitability. The findings reveal notable differences in several financial ratios between the two banking models, indicating that digital transformation has substantially influenced operational efficiency and profit generation. Islamic digital banks demonstrate relatively stronger adaptability in selected financial performance indicators. This study contributes to the growing discourse on Islamic digital finance and provides strategic insights for policymakers and banking institutions in developing sustainable digital-based Islamic banking systems
Copyright (c) 2026 Laila Agustina, Clarashinta Canggih http://creativecommons.org/licenses/by/4.0
Customer Experience, Religiosity, and Social Status Determining Tourist Visits in East Java Halal Tourism
The tourism sector plays a strategic role in economic growth, yet shifting tourist motivations toward comfort, halal lifestyle, and social recognition create new challenges for destination managers. This study aims to examine how customer experience, religiosity, and social status influence tourists’ visiting decisions at the Al-Akbar National Mosque in Surabaya. A quantitative associative approach was employed using purposive sampling, generating 115 respondents. Data were analyzed through multiple linear regression to test the proposed hypotheses within the Stimulus-Organism-Response framework. The findings reveal that customer experience has a positive and significant effect, highlighting the importance of service quality and environmental comfort. Religiosity also significantly influences decisions, confirming spirituality as a primary driver. Meanwhile, social status exerts a partial but meaningful effect, indicating that visits are also shaped by lifestyle and self-actualization needs. This study contributes theoretically by enriching halal tourism literature through an integrated behavioral model, and practically by offering insights for tourism managers to design experience-based marketing strategies that align service excellence with religious and social values in contemporary tourism contexts.
Copyright (c) 2026 Nabilah Ahsanah Saffanah, Moh Farih Fahmi http://creativecommons.org/licenses/by/4.0
The Influence of Islamic Branding, Religiosity, and Habit on Consumers’ Purchase Decisions of Kula Beauty Halal Cosmetics
The halal cosmetics industry has experienced rapid growth in line with the increasing awareness of Muslim consumers regarding the importance of using products that comply with Islamic principles. This study aims to analyze the influence of Islamic branding, religiosity, and habit on consumer purchase decisions for Kula Beauty halal cosmetic products. This research employs a quantitative approach using a survey method involving 100 Muslim consumers as respondents. Data were collected through an online questionnaire and analyzed using multiple linear regression analysis with the assistance of SPSS. The results show that Islamic branding, religiosity, and habit simultaneously have a significant effect on consumer purchase decisions. Partially, Islamic branding and habit have a positive and significant effect on purchase decisions, while religiosity does not have a significant effect. These findings indicate that Islamic brand identity and consumption habits play an important role in shaping consumer purchase decisions for halal cosmetic products.
Islamic Branding; Religiosity; Habit; Purchase Decision; Halal Cosmetics.
Copyright (c) 2026 Nurfitriah http://creativecommons.org/licenses/by/4.0
Maximum Strategy for Teachers to Develop Saving Habits in Young Children at Tadika Tinta Khalifa Malaysia Words
Financial literacy from an early age is an important foundation for shaping children’s future financial behavior and character, particularly through saving habits. This study aims to analyze teachers’ pedagogical strategies in fostering saving habits among early childhood students at Tadika Tinta Khalifah Malaysia, as well as to identify the impacts and the supporting and inhibiting factors in their implementation. This study employed a qualitative approach with a descriptive design. The research subjects included classroom teachers and the school principal, while early childhood students became the objects of observation related to saving behavior. Data were collected through observation, semi-structured interviews, and documentation, and analyzed using the Miles and Huberman interactive model through data reduction, data display, and conclusion drawing. The findings indicate that teachers implemented saving habit strategies through regular hands-on saving activities, the use of creative learning media, and teachers’ role modeling in demonstrating frugal and disciplined behavior aligned with early childhood developmental characteristics. These strategies positively influenced children’s enthusiasm for saving activities, strengthened discipline and responsibility, and improved basic financial literacy, such as understanding the function of money, the purpose of saving, and the difference between needs and wants. The success of these strategies was supported by teachers’ commitment, a supportive school environment, and parental involvement, while limited parental understanding of early financial literacy and differences in family economic backgrounds were identified as inhibiting factors. This study contributes to the development of early childhood financial literacy research by presenting a contextual pedagogical strategy model based on habituation and teacher role modeling within an Islamic preschool setting in Malaysia, and by emphasizing the importance of school–family collaboration in fostering sustainable saving habits from an early age.
Copyright (c) 2026 Dina Wandira, Alfi Amalia http://creativecommons.org/licenses/by/4.0
Strategy and Implementation of Effective Sharia Financial Management: Case Study of Muslimeen Suksa School Thailand
This study is motivated by the financial management challenges faced by Islamic educational institutions, including limited budgets, administrative constraints, and the necessity to implement Sharia principles in every financial transaction. The research problem focuses on how the strategies and implementation of Sharia-based financial management are carried out at Muslimeen Suksa School Thailand. This study employs a qualitative method with a descriptive approach to obtain an in-depth understanding of school financial management practices based on Sharia principles. Data were collected through observation, in-depth interviews with the principal, treasurer, and administrative staff, as well as documentation. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, with triangulation of sources, methods, and theories to ensure data validity. The findings indicate that financial management strategies are implemented through participatory budget planning, diversification of funding sources, separation of operational and social funds, and transparent financial reporting. The implementation of Sharia principles is reflected in the avoidance of interest-based transactions and the use of Sharia-compliant contracts in cooperation and procurement activities. The study concludes that Sharia-based financial management at Muslimeen Suksa School has been effectively implemented and is able to strengthen transparency, accountability, and institutional sustainability.
Copyright (c) 2026 Nurhidayati Husna, Rahmayati, Bulkini Sasu http://creativecommons.org/licenses/by/4.0
Analysis Of Sharia Financial Literacy Understanding Among Generation Z At Tsanawiyah Tawee Wittaya Islam School Pattani Thailand
This study is motivated by the low level of Islamic financial literacy among Generation Z in the midst of rapid digital financial development, which potentially encourages consumptive behavior without adequate understanding of Sharia principles. This study aims to analyze the level of Islamic financial literacy and identify the factors influencing students’ financial behavior at Tsanawiyah Tawee Wittaya Islam School, Pattani, Thailand. The research employs a qualitative approach with a case study design, using observation, semi-structured interviews with students, and documentation. Data were analyzed through data reduction, data display, and conclusion drawing, supported by triangulation to ensure validity. The findings reveal that students’ Islamic financial literacy is at a moderate level, characterized by a relatively good understanding of basic concepts such as the prohibition of riba and the importance of responsible financial management, but limited understanding of contract mechanisms (akad), gharar and maysir, as well as their practical implementation in modern financial transactions. Family environment, social media influence, and the integration of Islamic values in education are identified as key determinants shaping students’ financial behavior. This study contributes by highlighting the gap between normative understanding and practical application of Islamic financial literacy in the context of Islamic education within a Muslim minority setting. The implications emphasize the need for more contextual, practice-based, and value-oriented financial literacy education to develop financially literate and ethically responsible generations in accordance with Sharia principles.
Copyright (c) 2026 Muhammad Fadhil Hamdani, Rahmayati, Qurani Parang Wilwadigta http://creativecommons.org/licenses/by/4.0
Strategies and Challenges in Introducing Shariah Financial Institutions to Students of Yannah Wittaya School Thailand
This research aims to analyze the strategies and challenges in introducing Islamic financial institutions to elementary school students at Yannah Wittaya School, Southern Thailand. The research uses a descriptive qualitative approach. Data collection was conducted thru in-depth interviews, participatory observation, and documentation. Data were analyzed using the interactive model of Miles and Huberman, which includes data reduction, data presentation, and conclusion drawing, with data validity ensured thru source and method triangulation. The research results show that the management of financial institutions is carried out thru systematic stages of planning, implementation, reporting, and supervision. Budget preparation is done participatively. Additionally, the practice of school financial management, which includes planning, implementation, reporting, and supervision systematically, also serves as a learning medium to instill values of accountability and transparency in students. However, the implementation of this program faces various challenges, including the limited competence of teachers in the field of sharia finance, limited integration into the formal curriculum, minimal learning resources and institutional support, as well as the low public understanding of the concept of sharia finance. Thus, the introduction of Islamic financial institutions at the elementary school level requires a synergy between innovative pedagogical strategies and sustainable institutional support to build Islamic financial literacy from an early age.
Copyright (c) 2026 Mira Dipa, Rahmayati Rahmayati http://creativecommons.org/licenses/by/4.0
The Influence of Financial attitude on Sharia Investment Intention among Generation Z in Surabaya: The Mediating Role of Financial literacy
This study aims to examine the influence of financial attitude on investment intention in the Islamic capital market among Generasi Z in Surabaya with financial literacy as a mediating variable. The research employs a quantitative approach using primary data collected through an online questionnaire distributed via Google Forms. The respondents consist of 153 Generasi Z individuals residing in Surabaya with diverse demographic backgrounds. The variables analyzed in this study include financial attitude as the independent variable, financial literacy as the mediating variable, and investment intention as the dependent variable. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique to test both direct and indirect relationships among variables. The results indicate that financial attitude has a significant positive effect on financial literacy. However, financial attitude does not have a significant direct effect on investment intention in the Islamic capital market. Meanwhile, financial literacy has a significant positive effect on investment intention and also functions as a mediating variable in the relationship between financial attitude and investment intention. These findings highlight the importance of financial literacy in transforming positive financial attitudes into stronger intentions to invest among Generasi Z.
Copyright (c) 2026 Erry Arista Pratama, Fira Nurafini http://creativecommons.org/licenses/by/4.0
What Drives Generation Z to Purchase Kahf Skincare? The Role of Islamic Branding, Electronic Word-of-Mouth, and Product Quality
This study aims to examine the effect of Islamic branding, e-WOM, and product quality on the purchase intention of Kahf skincare among Generation Z in East Java. This research uses a quantitative approach with an associative research design. Data were collected through questionnaires distributed to male Generation Z aged 13–28 years who live in East Java and are familiar with Kahf skincare products. The sampling technique used was purposive sampling with a total of 100 respondents. Data analysis was carried out using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method. The results indicate that Islamic branding does not have a significant effect on the purchase intention of Kahf skincare, whereas e-WOM and product quality have a significant effect. These findings show that, in the context of male Generation Z consumers in East Java, purchase intention is driven more strongly by digital consumer information and perceived product quality than by Islamic branding, which tends to function as a baseline trust element rather than a primary purchase driver.
Copyright (c) 2026 Fery Firdaus, Yan Putra Timur http://creativecommons.org/licenses/by/4.0
Precarity and Resilience: The Sociology of Risk among Tobacco Farmers in Jember in Facing Ecological Crises and Price Uncertainty
Tobacco farmers in rural areas are increasingly confronted with complex risks arising from ecological crises and price uncertainty, which directly affect the sustainability of their livelihoods. These conditions contribute to structural and recurrent precarity, particularly among smallholder farmers with limited resources and bargaining power. This article aims to analyze the forms of precarity experienced by tobacco farmers, the resilience strategies they develop, and the influence of market power relations and agrarian structures on farmers’ vulnerability and capacity to endure risk in Ampel Village, Wuluhan District, Jember Regency. This study employs a qualitative approach with a case study design. Data were collected through in-depth interviews, observation, and documentation, and analyzed using thematic and interpretative analysis. The findings indicate that farmers’ precarity is shaped by the interaction between ecological crises, price fluctuations, and unequal agrarian power relations. In response, farmers develop social, economic, and cultural forms of resilience; however, these strategies tend to be adaptive rather than transformative and remain insufficient to address the structural roots of vulnerability. This study recommends policy interventions that not only strengthen farmers’ adaptive capacities but also promote improvements in market mechanisms and structural protection for tobacco farmers
Copyright (c) 2026 Muhammad Abian Kholid, Rusmini http://creativecommons.org/licenses/by/4.0
The Influence of Maslahah, Cultural, Social, Personal, and Psychological Factors on Generation Z’s Decision to Purchase Secondhand Clothing
This study aims to analyze the influence of maslahah, cultural, social, personal, and psychological factors on the purchase decision of secondhand clothes in Generation Z in Surabaya. This study uses a quantitative method with an associative approach. The sample was taken using purposive sampling techniques from Generation Z respondents in the city of Surabaya who had purchased secondhand clothes. Primary data were collected through questionnaires and analyzed using Partial Least Square-Structural Equation Modelling (PLS-SEM). The results of the study show that maslahah and cultural factors have no influence on the purchase decision. These findings indicate that consideration of benefits and cultural values are not the main determinants in secondhand clothing purchase decisions in Generation Z. On the contrary, other factors such as social, personal, and psychological show a significant positive influence on purchase decisions. This shows that the influence of the social environment, individual characteristics, and psychological aspects such as motivation and perception have a dominant role in shaping secondhand clothing purchase decisions in Generation Z
Copyright (c) 2026 Ela Inayatul Lutfiyah, Rachma Indrarini http://creativecommons.org/licenses/by/4.0
Implementation of Islamic Business Ethics Principles in the Governance of Taska Qalby An Nur Malaysia
This study aims to analyze the implementation of Sharia-based Islamic business ethics principles in the governance of Taska Qalby An Nur, Malaysia, particularly in terms of honesty, trustworthiness (amanah), justice, and transparency in service practices and institutional management. The research employs a qualitative approach using a case study design conducted at Taska Qalby An Nur in Cheras, Selangor, Malaysia. Data were collected through observation, semi-structured interviews with management and educators, and institutional document analysis. Data analysis was carried out descriptively through data reduction, data display, and conclusion drawing. The findings indicate that the application of Islamic business ethics is reflected in daily service practices, communication patterns with parents, and the management’s commitment to service responsibility. This study concludes that strengthening governance based on Islamic business ethics requires continuous value internalization through procedural standardization, enhanced institutional communication, and the development of ethical work practices to build public trust and maintain the quality of early childhood education services.
Copyright (c) 2026 Aqilah Hafizhah, Isra Hayati http://creativecommons.org/licenses/by/4.0
Strategies of Sharia-Based Human Resource Management in the Implementation of an Islamic Curriculum at Happy Hive Playschool & Preschool Malaysia
The implementation of an Islamic curriculum in early childhood education institutions frequently encounters challenges related to inconsistent instructional practices caused by variations in teachers’ competencies, diverse educational backgrounds, and the suboptimal integration of Sharia values within the human resource management system. This condition reflects a gap between the design of the Islamic curriculum and its practical implementation in classroom settings. This study aims to analyze Sharia-based human resource management strategies, describe the implementation of the Islamic curriculum, and identify the role of HR management in supporting the consistency of curriculum implementation at Happy Hive Playschool & Preschool Malaysia. The study employed a descriptive qualitative approach with a case study design. Data were collected through observation, in-depth interviews, and documentation, and were analyzed interactively through data reduction, data display, and conclusion drawing. Triangulation techniques were applied to ensure data validity. The findings reveal that Sharia-based HR management strategies are implemented through character- and competency-based recruitment, continuous training and mentoring, and performance evaluation grounded in the principles of amanah (trustworthiness), ‘adl (justice), and ihsan (excellence). The Islamic curriculum is implemented through play-based learning, habituation of worship practices, and teachers’ role modeling. However, differences in teachers’ pedagogical and spiritual readiness continue to influence the equity of learning outcomes. This study affirms that the success of the Islamic curriculum is strongly determined by systematic and sustainable HR management integrated with the enhancement of teachers’ professional and spiritual competencies.
Copyright (c) 2026 Fitri Dara Asmika, Alfi Amalia http://creativecommons.org/licenses/by/4.0
Digital Transformation of Zakat Platforms: The Role of Trust and Accountability in Muzaki’s Decisions to Pay Zakat Mal
This study aims to analyze the role of trust and accountability in muzaki's decision to pay zakat mal through the transformation of the digital zakat platform at BAZNAS in Jombang Regency. This study uses a qualitative descriptive method with a case study approach. Data collection techniques were carried out through interviews, observations, and documentation, with data validity testing using source and technique triangulation. The results of the study indicate that the transformation of the digital zakat platform contributes to increasing trust and accountability in zakat management, thereby facilitating muzaki in fulfilling their zakat obligations effectively and efficiently. The trust of muzaki is reflected in the dimensions of ability, integrity, and benevolence, while accountability is demonstrated through transparent reporting, ease of access to information, and a transaction confirmation system in the perspective of Shari'ah Interprise Theory. Digital transformation also provides convenience and certainty for muzaki in the zakat payment process, thereby encouraging increased participation in the use of the digital zakat platform.
Copyright (c) 2026 Annisa Ambar Fajrin, Nurwinsyah Rohmaningtyas http://creativecommons.org/licenses/by/4.0
The Implementation of Cash Waqf as a Social Financial Instrument in Indonesia
Waqf is one of the important instruments of Islamic social finance that contributes to social welfare, economic development, and sustainable community empowerment. Along with the development of financial technology and the increasing demand for innovative Islamic financial products, the implementation of waqf in Indonesia has expanded beyond traditional forms of land and property to include cash-based instruments. This research aims to identify the implementation of waqf as one of the Islamic social finance instruments in Indonesia. The study employs a qualitative literature review method by analyzing relevant books, journal articles, regulations, and institutional reports related to waqf practices in Indonesia. The findings reveal that cash waqf represents a contemporary form of waqf implementation that has significantly developed within the Indonesian Islamic finance ecosystem. In the Indonesian context, the Indonesian Ulema Council (MUI) officially authorized cash waqf through its fatwa issued on May 11, 2002, providing a legal and religious foundation for its implementation. Cash waqf is currently practiced through several mechanisms, including direct cash donations, stock or securities waqf, and digital waqf platforms. Its implementation involves collaboration among Islamic Financial Institutions (LKS), halal marketplaces, waqf management institutions, and other social organizations. These developments demonstrate that cash waqf has become an innovative and accessible instrument with significant potential to strengthen Islamic social finance and promote inclusive socio-economic development in Indonesia.
Copyright (c) 2026 R Suhaimi, Sri Fatimah Rahmatillah, Baidawi Arrohman, Mutia Pamikatsih, Jodang Setia Adi Anista R http://creativecommons.org/licenses/by/4.0
The Influence of Islamic Branding and Endorsement on Muslim Consumer Loyalty with Consumer Trust as a Mediating Variable (Case Study of Hijab Zoya)
This study aims to examine the effect of Islamic branding and endorsement on Muslim consumer loyalty, with consumer trust as a mediating variable, in the case of Zoya hijab products in Surabaya. This study used a quantitative research design and utilized primary data collected through an online questionnaire distributed to 211 respondents selected through purposive sampling. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with the help of SmartPLS version 4.0 to assess the validity and reliability of the measurement instruments and to evaluate the structural relationships between variables in the proposed model. The findings show that Islamic branding and endorsement have a positive and significant effect on consumer trust. Furthermore, Islamic branding and endorsement also showed a positive and significant direct effect on consumer loyalty. Consumer trust itself was found to have a positive and significant impact on consumer loyalty. In addition, the results confirmed that consumer trust significantly mediated the relationship between Islamic branding and endorsement and consumer loyalty, indicating that marketing strategies based on Islamic values play an important role in strengthening customer consumer loyalty.
Copyright (c) 2026 Nadiah Masyahnda Salsabila, Khusnul Fikriyah http://creativecommons.org/licenses/by/4.0
Challenges and Strategies in Achieving Financial Transparency at Tadika Al Fikh Orchard Pendamar Indah Selangor Malaysia
This study aims to analyze the implementation of financial management transparency at Tadika Al-Fikh Orchard Pandamar Indah and to examine the role of Islamic values in financial practices within an early childhood Islamic educational institution. The research employs a qualitative approach with a descriptive-interpretative design to gain an in-depth understanding of the dynamics of financial governance in an Islamic institutional context. The research participants included the principal, treasurer, teachers, and representatives of parents. Data were collected through in-depth interviews, non-participant observation, and document analysis. Data analysis was conducted through the stages of data condensation, data display, and conclusion drawing and verification. The validity of the findings was ensured through source and method triangulation techniques. The findings indicate that efforts toward financial transparency have been undertaken through the periodic disclosure of fund utilization to parents. However, the implementation has not yet been standardized within a systematically documented reporting system. The main challenges include limited technical competence of financial administrators, reliance on manual bookkeeping systems, and minimal use of digital technology in financial administration. Furthermore, Islamic values such as amanah (trustworthiness), tabligh (transparency in conveying information), and fathanah (professional competence) are understood as moral foundations in financial management, yet they have not been fully integrated into operational procedures and accountable, measurable reporting mechanisms. This study highlights that strengthening financial transparency and accountability in Islamic educational institutions requires integrating human resource development, digital financial systems, and the internalization of Islamic values to achieve professional, sustainable, and integrity-driven governance practices.
Copyright (c) 2026 Alya Annisa Salwa Ritonga, Alfi Amalia http://creativecommons.org/licenses/by/4.0
The Influence of Halal Labels , Brand Image, and Consumer Animosity on Gen Z Muslim Consumers' Purchase Intention on the Issue of Boycotting Citra Body Lotion Products
This study aims to determine the effect of Halal Label, Brand Image and Consumer Animosity on the Purchase Intention of Citra Body Lotion which is experiencing a boycott issue among Gen Z Muslims in Surabaya using quantitative methods from primary data obtained through online questionnaires. The sampling technique used was purposive sampling with a total of 140 respondents. Respondents selected in this study were Gen Z Muslims who live in Surabaya City. Data analysis was carried out using Statistical Product and Service Solutions (SPSS). The results of the study indicate that partially the halal label has a significant positive effect on the purchase intention of Citra Body Lotion, Brand Image has a significant positive effect on the purchase intention of Citra Body Lotion and Consumer Animosity also has a significant negative effect on the purchase intention of Citra Body Lotion, which indicates that consumer sentiment or emotional attitudes towards certain issues can influence their purchase intentions. Simultaneously, the halal label, Brand Image and Consumer Animosity have a significant effect on the purchase intention of Citra Body Lotion. This research contributes to the understanding of Muslim consumer behavior, especially from Generation Z in responding to the issue of product boycotts and provides practical implications for companies in understanding purchasing intention through Halal Labels , Brand Image and Consumer Animosity.
Copyright (c) 2026 Qonita Rahma Humairo, Nurwinsyah Rohmaningtyas, Anees El Zer http://creativecommons.org/licenses/by/4.0