Purpose – This research analyses the factors influencing Indonesia's largest Muslim communities' intention to utilize Islamic banking services. Method – Employing a quantitative methodology, this study targeted members of Nahdlatul Ulama (NU) and Muhammadiyah as the population. The sample consisted of 343 respondents, determined using Hair theory and selected through purposive sampling. Data was collected through a structured questionnaire and analyzed using structural equation modeling (SEM) to evaluate measurement and structural models. Findings – The findings reveal that normative beliefs significantly shape subjective norms and influence individuals' intentions to engage with Islamic banking services. Additionally, religiosity positively affects attitudes toward these services, reinforcing existing literature linking religious values to financial decision-making. Implications – Theoretically, this study implies the development of behavioral reasoning theory in Islamic finance. Practically, this study provides valuable insights into marketing strategies promoting financial inclusion among diverse religious communities.

Purpose – This study aims to measure the performance of the Dompet Dhuafa North Sumatra Zakat collection institution in the transformation of mustahiq empowerment using the Islamic performance index (IPI) model. Method – This type of research is field research using a comparative descriptive method with a quantitative approach. Primary data was obtained through online and offline questionnaires. Meanwhile, secondary data was obtained from the annual report of the Dompet Dhuafa North Sumatra Zakat institution. The research population was 1896 Mustahiq in 2023. Using Slovin's formula, the sample size was 330 mustahiq. The analysis technique used in this study is the IPI model. Findings – The findings of this study demonstrate that the IPI model is applicable for assessing the performance of amil zakat institutions in enhancing the welfare of mustahiq. Nevertheless, in this study, the augmentation of material income is negligible, specifically, 25 mustahiq among 330 respondents. The increase in mustahiq religiosity significantly after acquiring zakat, infaq, and sadaqah, encompassing 316 mustahiq individuals. Implications – This research makes an important contribution to the literature on sharia-based zakat management by introducing the IPI model as a more holistic and integrated evaluation tool. On the practical side, the findings of this research provide valuable guidance for zakat institutions in designing more impactful and sustainable mustahiq empowerment programs.

Purpose – This research analyzes the halal management practice model implemented at the Bank Syariah Indonesia (BSI) Pekalongan branch in maintaining compliance with Sharia principles. Method – This research uses a qualitative method with an interpretative approach. Data collection was done through in-depth interviews, observation, and document analysis. The research results were validated by triangulating data sources, methods, and theories. Findings – The results showed that the BSI Pekalongan branch implemented a strict supervisory system to ensure that all transactions and services followed Sharia principles. Transparency in contracts and halal-based fund management are the main factors that build customer trust. Islamic financial education strategies play a role in increasing customer loyalty to bank products and services. Challenges in Islamic financial literacy and technology utilization still hinder the improvement of halal management efficiency. This research provides insight for Islamic banking stakeholders to increase the effectiveness of halal management in building customer trust and loyalty. The BSI Pekalongan branch can improve its competitiveness and ensure full compliance with Sharia principles by strengthening its supervision through transaction transparency and digitalization of halal services. Implications – Theoretically, this research enriches halal management studies by emphasizing Sharia compliance, transparency, and innovation in digital services. Practically, it guides Islamic banks in strengthening governance and customer trust.

Purpose – This study investigates the relationship between Islamic work ethic, job satisfaction, and employee engagement, with transformational leadership as a moderating variable. It aims to assess whether job satisfaction mediates the impact of Islamic work ethic on engagement and if transformational leadership enhances these effects. The research offers insights into how ethical values and leadership styles influence employee engagement at Brangkal Printing. Method – A quantitative approach with a cross-sectional survey design was used, involving all 75 employees at Brangkal Printing through total sampling. Data were gathered using a likert-scale questionnaire to measure Islamic work ethic, job satisfaction, transformational leadership, and employee engagement. The data analysis technique used in this study is partial least squares structural equation modeling (PLS-SEM). Findings – The results reveal that the Islamic work ethic does not directly influence employee engagement but positively impacts job satisfaction, which enhances engagement, confirming the mediating role of job satisfaction. Transformational leadership directly affects engagement but does not significantly moderate the relationships examined. Implications – This research highlights the significance of the Islamic work ethic in improving job satisfaction and engagement while highlighting the context-dependent nature of transformational leadership. It extends existing theories by emphasizing the influence of cultural and ethical values on workplace behavior. Organizations should enhance job satisfaction through a supportive work environment, fair compensation, and career development. Integrating Islamic values into leadership strategies can optimize employee motivation, commitment, and engagement, leading to better performance.

Purpose – This study aims to analyze the influence of digital marketing, brand image, and product variety on online purchase intentions of handicraft products moderated by lifestyle. Method – This study uses a quantitative method and a causally associative approach. Customers who made purchases of handcraft products in PT. Indo Risakti was the population in this study. The research sample comprised 155 respondents, measured using the Hair et al. approach and the purposive sampling technique. The survey method is used in data collection by providing online questionnaires to respondents to fill out. The data analysis technique used partial least squares-structural equality modeling (PLS-SEM) with SmartPLS as a statistical tool. Findings – The research findings show that brand image and lifestyle positively affect the interest in buying handicraft products online. In contrast, digital marketing and product variants do not affect the interest in buying handicraft products online. Lifestyle can strengthen the influence of digital marketing, brand image, and product variations on the interest in buying handicraft products online. Implications – Theoretically, this research has implications for enriching scientific literature on consumer behavior in online shopping, especially for handicraft products. Practically, it can guide business actors to develop more effective marketing strategies. Market segmentation based on lifestyle can help businesses target more appropriate and relevant consumers.

Purpose – This study aims to analyze the influence of information quality, social media marketing, and perceived ease of use on e-ticket purchasing decisions using the tiket.com mobile application mediated by trust. Method – This research applied quantitative methods and a causally associative approach. The population of this study is tiket.com customers in Surabaya, where the number is not known with certainty. Sampling measurement uses the Hair approach, so the number of samples obtained is 130 people. The sampling technique uses purposive sampling with predetermined criteria. Data analysis techniques use partial least squares-structural equality modelling (PLS-SEM) with the SmartPLS statistical tool. Findings – The findings show that quality information, social media marketing, perceived ease of use, and trust positively affect online purchase decisions. Trust can mediate the effect of quality information and social media marketing on online purchase decisions. However, trust cannot mediate the influence of perceived ease of use on online purchase decisions. Implications – Theoretically, this study can strengthen the understanding of the importance of trust in digital consumer behavior. Practically, companies like tiket.com need to focus on presenting accurate information, social media strategies that build trust, and easy and comfortable user experiences.

Purpose – This study examines the impact of the Islamic experiential marketing strategy and value co-creation on customer loyalty, considering customer satisfaction as a mediating variable. This study develops a model integrating subjectivist spirituality within Islamic marketing to improve consumer experiences and loyalty. Method – This study utilizes a quantitative method, analyzing survey data obtained from 265 consumers of renowned culinary establishments in Medan city, where the sample was selected using a purposive sampling method. Data was analyzed using structural equation modeling (SEM) to investigate the relationship between variables and the research instruments underwent validation and reliability tests. Findings – The findings show that Islamic experiential marketing strategy positively affects customer satisfaction. Islamic experiential marketing strategy negatively affects customer loyalty. Value co-creation negatively affects customer satisfaction. Value co-creation positively affects customer loyalty. Customer satisfaction positively affects customer loyalty. Customer satisfaction can mediate the relationship between Islamic experiential marketing strategy and value co-creation with loyalty. Implications – This study can extend the existing literature on Islamic marketing by integrating subjectivist spirituality, thereby enhancing understanding of the factors that drive consumer loyalty. These findings are of practical importance to culinary businesses looking to increase consumer engagement and retention by integrating Islamic values ​​into experiential marketing strategies and co-creation, enabling businesses to foster lasting consumer relationships while upholding Islamic marketing practices.

Purpose – This study aims to analyze the influence of digital marketing, business innovation, and financial literacy on the sustainability of MSMEs in Malang City, with financial technology (fintech) adoption as a mediating variable. Method – This study is a quantitative research with primary data in the form of a questionnaire. Using a purposive sampling technique, data were collected from 120 MSME actors in the culinary, fashion, crafts, and creative services sectors. Analysis was conducted using structural equation modeling–partial least squares (SEM-PLS) via SmartPLS 4.0. Findings – The results show that digital marketing, business innovation, and financial literacy positively and significantly affect MSME sustainability. Financial technology adoption also directly influences sustainability and significantly mediates the relationship between digital marketing and sustainability. However, it does not significantly mediate the relationship between business innovation or financial literacy and sustainability, indicating the need for better alignment between innovation and financial knowledge with financial technology usage. Implications – Theoretically, this study enriches the literature by integrating organizational innovation theory and the technology acceptance model (TAM), offering a comprehensive model of MSME sustainability. Practically, the findings guide MSME actors in strengthening digital marketing strategies and adopting financial technology-based financial management. Local governments are encouraged to implement integrated digital and financial literacy programs, while financial technology providers are advised to improve user education and experience for MSMEs, especially those less familiar with technology. These findings provide actionable insights for building inclusive, tech-savvy, and sustainable MSMEs in the digital economy.

Purpose – Sustainable tourism holds significant potential for enhancing the economic welfare of coastal communities; however, marketing strategies in Minapolitan areas, such as Gosari village Gresik, remain suboptimal, particularly in integrating social and environmental aspects. This study examines the effectiveness of the EFINEEL bottom line model, encompassing seven key dimensions: economy, fishermen, social inclusion, nature, community empowerment, ecology, and local involvement. Method – This study uses a quantitative approach with partial least squares-structural equation modeling (PLS-SEM) and 106 purposively selected respondents. Findings – The findings show that local involvement strongly influences social inclusion, while community empowerment drives economic welfare, with ecological sustainability also positively impacting the outcomes. The EFINEEL model proves effective in formulating practical, sustainable tourism strategies that integrate economic, social, and environmental dimensions. Implications – Theoretically, this study advances sustainable tourism theory by combining the triple bottom-line framework with grassroots-based governance. It demonstrates that community-driven approaches, placing local agencies at the center, lead to more effective sustainable theoretical outcomes, emphasizing the importance of participatory models for destination development in underrepresented rural and coastal areas. This research challenges traditional top-down models and advocates for inclusive, locally rooted governance to achieve long-term sustainability.

Purpose – This research aims to test and analyze whether personal character and emotional intelligence mediate entrepreneurial culture on the independence of cigarette entrepreneurs in Pamekasan, Madura. Method – This type of research is quantitative research with an associative approach. Data was collected using a questionnaire, and the research objectives were cigarette entrepreneurs in all sub-districts in Pamekasan Madura Regency. The population in this study was 1262 people, and the sample was 126 entrepreneurs. Purposive sampling techniques were used with predetermined criteria. Testing research hypotheses using AMOS SEM. Findings – The research results show that entrepreneurial culture positively affects entrepreneurial independence. Entrepreneurial culture positively affects personal character. Entrepreneurial culture positively affects emotional intelligence. Personal characters cannot mediate the influence of entrepreneurial culture on entrepreneurial independence. Emotional intelligence cannot mediate the influence of entrepreneurial culture on entrepreneurial independence. Implications – Theoretical implications have contributed to expanding scientific knowledge regarding the theory of entrepreneurial culture to increase business independence. Practical implications of the culture of the surrounding community need to be preserved because it influences increasing independence through personal character, namely thinking before acting, daring to take risks for future life and emotional intelligence, and the ability to recognize one's own emotions and the emotions of others.