Currently, there are many gold-based investment products, and investors are interested because some of them use sharia labels. Therefore, this study aims to identify and investigate gold-based investments from an Islamic perspective. It is hoped that this research can contribute new findings and enrich existing literature regarding gold investment in Indonesia, providing benefits for Muslim investors and the Muslim community in general. This study used qualitative research methods. Semi-structured interviews were conducted with parties who offer gold-based investment products on a large scale. Additional data sources include documents and manuscripts from the National Sharia Council (DSN-MUI) as well as author analysis. These findings show that not all gold-based investments in Indonesia comply with sharia principles. Only gold murabahah conducted by Islamic banking institutions meets sharia compliance.

Early-stage enterprises significantly contribute to economic development through innovation, job creation, and productivity enhancement. However, these enterprises face substantial financial challenges, particularly in securing capital that adheres to ethical and Sharia-compliant principles. This paper investigates the use of Qardh al-Hasan, an altruistic loan concept in Islamic finance, as a strategic tool for supporting sustainable development initiatives within early-stage enterprises. By leveraging Qardh al-Hasan, which embodies social solidarity and economic justice in Islam, the study proposes a conceptual framework to enhance entrepreneurial resilience and sustainable business practices among nascent businesses. Employing a descriptive analysis and a framework-based review, the research explores strategies to optimize Qardh al-Hasan in financing early-stage enterprises, positioning it as an effective mechanism for addressing sustainability challenges. Key findings reveal Qardh al-Hasan’s potential in fostering sustainable development, while highlighting practical challenges such as default risk, management issues, and liquidity requirements. The analysis indicates a deviation of many Islamic financial institutions from the social objectives of Islamic finance, prioritizing economic growth over holistic development. The theoretical implications enhance the understanding of Qardh al-Hasan’s role in achieving economic and social justice, while practical implications advocate for its integration into modern financial systems to support entrepreneurship and reduce social inequality, emphasizing the need for adequate management and supranational support. This paper’s novelty lies in its innovative approach to repositioning Qardh al-Hasan within contemporary Islamic finance, proposing a comprehensive model that addresses both theoretical and practical challenges, thus advancing the sustainable development objectives of Islamic finance by integrating underprivileged segments into the formal economy. Keywords: Sustainable development, Qardh al-Hasan, Islamic finance, early-stage enterprises.

This research aims to analyze the influence of attitude variables, subjective norms, and perceived behavioral control on interest upon investing in SCF sharia as well as the influence of the variables of Islamic financial literacy, religiosity, risk and return on attitudes towards investing among the millennial generation in SCF Syariah. The research employed a quantitative approach utilizing the Structural Equation Model Partial Least Square (SEM-PLS) with primary data gathered through purposive sampling. The technique was conducted by an online method on 152 individuals from the millennial generation. Not all TPB factors significantly influence the interest to invest in Sharia Securities Crowdfunding. Attitude and Behavior Control Perception have a positive impact on the interest to invest in Sharia SCF. Subjective Norm does not have an impact on the interest to invest in Sharia SCF. Sharia financial literacy does not significantly affect attitude. Religiosity significantly affects attitude. Risk and return significantly affect attitude.

Financial planning has been increasingly significant where income levels are rising, the financial industry is becoming more complicated and financial products are becoming more complex. With higher income levels and fund excesses, people demand financial assistance services to manage their financial matters. The activities of financial planners continue to grow in line with the varying demand of customers. Conventional financial planning had developed during the 1970s, while the Islamic financial industry had just emerged. From an Islamic perspective, a financial planning framework would require Shariah-compliant products and services and a deep understanding of Islamic values and principles governing economic activities. This study aims to understand to what extent Islamic financial planning has been communicated and shared by financial planners/advisors and to understand their preferences and financial priorities in providing financial advice. This qualitative paper explores the social media of chosen financial planners and Islamic financial planners. Financial planners share their thoughts and ideas on their social media. Several influential financial planners were selected through some stages. Understanding their social media content will provide a picture of their financial planning. Discussion of Islamic financial planning is scant. The paper explores and offers a novel approach of whether financial planners and so-called Islamic financial planners have different financial planning. Using the particular framework of Islamic financial planning, Islamic financial planners are expected to have different financial planning emphasizing Islamic values and principles.

Sharia mutual fund investment in Indonesia continued to experience positive developments as an investment instrument. However, the fact was that the nav of Islamic mutual funds was still unable to closed the gaped with the total nav of conventional capital markets as a whole. The purpose of this studied was to analyze the factors that influence investors' decisions in investing in Islamic mutual funds. The method used in this researched was sem-pls. Respondent criteria in this studied was sharia mutual fund investors and domiciled in a province on the island of java. The theoretical approached in this studied was the theory of planned behavior with variabels of motivation, knowledge, re-perception, technological advances, and product information. The results of this studied indicate that the variabels motivation, knowledge, perceived returned, advances in technology, and product information had a positive and significant influence on investment intentions. The results of this studied could been used by securities companies and regulators to increase the number of investors or planning policies regarding Islamic mutual funds.
 
 Keywords: Investment, Capital Market, Investor Interest, Sharia Mutual Funds.

In the rapidly digitizing landscape of Islamic banking, innovation is imperative for competitiveness and delivering top-tier services to customers. Electronic Customer Relationship Management (E-CRM) emerges as a key solution, streamlining interactions between banks and customers in the digital realm. This study delves into how E-CRM and Service Quality affect Customer Loyalty within Islamic banks, with a focus on Shariah Compliance as a moderating factor. The aim is to decipher how the Islamic banking sector can cultivate and enhance customer relationships in the digital age. Employing a quantitative approach, the research collects survey data from 212 Islamic bank customers through random sampling. Structural Equation Modeling (SEM), executed using IBM AMOS V.22 software, scrutinizes the collected data. Findings indicate a significant, positive contribution of E-CRM to Customer Loyalty. Interestingly, Service Quality doesn't wield a significant influence on Customer Loyalty, suggesting the presence of other influential factors in the Islamic banking arena. Notably, Shariah Compliance emerges as an important moderating element, bolstering the connection between Service Quality and Customer Loyalty, though it doesn't moderate the impact of E-CRM on Customer Loyalty.

Restrictions on community activities have weakened the Indonesian economy. The government must find a solution to improve economic conditions. This study aims to develop a model that enhances Islamic social financial institutions and maximizes cash waqf potential in Indonesia for sustainable finance. The model will boost the national Islamic capital market and be analyzed with SWOT and Delphi methods. Data was collected via questionnaires from 19 academics and practitioners in the waqf and infrastructure sectors. Delphi test results showed all respondents believed there was a link between SWOT indicators and the feasibility of the model. This model contributes to economic recovery, Islamic capital market growth, sustainable social funding, optimized waqf potential, strengthened waqf financial institutions, and improved infrastructure management in Indonesia.

The imbalance between the number of Indonesian Muslims and the interest in saving in Islamic banks makes for a very interesting problem to study. This study aims to look at the factors that influence interest in saving in sharia banks, especially the Bank XYZ Branch. This research uses descriptive and quantitative methods. The tools used are distributing questionnaires to 43 Bank XYZ Branch customers with the likerts approach; besides that, this research uses two models, namely the ANN (artificial neural network) and partial least squares (PLS-SEM) models. The sample obtained from this study was 43 customers with various professions. The result of this research is that the religious knowledge factor is the factor that most influences interest in saving, with a value of 42.02%, followed by a promotional factor of 38.36%. While the product factor is not very influential with a value of only 19.61%, it is no different from the results of PLS-SEM, namely that religious knowledge and promotion are the most influential things significantly, while bank products do not affect saving in Islamic banks. The results of this study can help Islamic banking parties, especially the Bank XYZ Branch, map prospective customers who want to be prospected.

Abstract. The development of sharia economics and finance has experienced significant developments in recent years. This is marked by several main developments in the financial sector and sharia financial instruments, which are increasingly varied and diversifying to meet the diverse needs of the public or customers. One of the sharia financial institutions that is experiencing development is sharia insurance. The sharia insurance industry has become an integral part of modern society's lives. In the midst of the various choices of sharia insurance products, innovation in sharia insurance products combined with waqf instruments is one of the good things for the expansion of sharia financial instruments. Companies marketing waqf insurance policies face increasingly complex challenges to understand, reach, and win the hearts of consumers. The decision to purchase a waqf policy insurance product no longer only revolves around financial considerations but also includes emotional dimensions and deep religious values. This research aims to determine the influence of emotional marketing and sharia marketing on consumer decisions in purchasing policy waqf insurance products using the method used by researchers, namely associative research with a quantitative approach. This research used a sample of 40 respondents with 19 questionnaire statements. In this study, the model used uses a linear regression model involving more than one independent variable or predictor (multiple linear regression). This research shows that, partially or simultaneously, the emotional marketing and sharia marketing variables are stated to have a significant influence on consumer decisions in purchasing waqf insurance policies. This is obtained from the coefficient of determination value in the very strong category, which is between 0.80 and 1,000, with an adjusted R square result of 0.818, or around 81.8%, influencing consumer decisions and the remaining 18.2% being influenced by other variables outside of this research.
 Keywords: Emotional Marketing, Sharia Marketing, Consumer Decisions, Waqf Insurance Policies.