Jurnal Ekonomi Syariah Teori dan Terapan

Halal Lifestyle: How Does Islamic Financial Literacy and Halal Literacy Encourage It?

Dibyo Waskito Guntoro — 2025-11-30

The global expansion of the Halal market highlights the growing adoption of a Halal Lifestyle, yet a persistent gap exists between Muslim consumers' intentions and their actual purchasing behavior. This study addresses a critical gap in halal consumption literature by examining how Islamic Financial Literacy (IFL) and Halal Literacy (HL) jointly influence Halal Lifestyle adoption. While previous research emphasizes religiosity, it overlooks the role of specific knowledge domains in bridging the "halal consciousness gap" between intention and behavior. Grounded in an integrated Theory of Islamic Planned Behavior and Behavior Reasoning Theory framework, we propose IFL and HL serve as cognitive tools that enhance perceived behavioral control and provide concrete reasons for consistent halal consumption. Using quantitative data from 108 Muslim students in Indonesia, multiple linear regression analysis reveals both IFL (β = 0.217, p = 0.021) and HL (β = 0.285, p = 0.003) significantly predict Halal Lifestyle, collectively explaining 11.2% of variance (R² = 0.112). The findings demonstrate these literacies operate as complementary mechanisms translating religious motives into cross-domain consumption practices. The study contributes theoretically by validating the integrated TIPB-BRT framework and establishing IFL as a relevant construct beyond financial contexts. Practically, it advocates shifting from product provision to building a "smart halal ecosystem" through integrated literacy campaigns, empowering consumers to make informed choices across food, finance, and lifestyle domains.

The Mediating Role of Wara’ in Green Halal Purchase Behavior among Generation Z

Andi Astuti — 2025-11-30

This study aims to analyze the mediating role of wara’ in linking Islamic ethics, religious norms, and environmental awareness to green halal purchase behavior among Generation Z consumers. A survey was conducted with 157 Muslim Gen Z respondents in South Sulawesi using convenience sampling and a five-point Likert scale. Data were analyzed using SEM-PLS (SmartPLS 4) through measurement and structural model assessments. The findings indicate that Islamic ethics significantly influence the formation of wara’, and wara’ serves as a mediator that strengthens green halal purchase behavior. Religious norms directly affect consumer behavior, while environmental awareness reinforces ethical consumption orientation. These results demonstrate that the internalization of moral and spiritual values contributes to more consistent sustainable consumption behavior. The study implies the importance of halal literacy programs, value-based education, and ethical marketing strategies to cultivate responsible, sustainability-oriented consumer behavior aligned with Islamic principles.

Reconstructing Islamic Human Development Index in Indonesia

Maulana Kamal Arsyad — 2025-11-30

This study aims to examine the construct validity of the Islamic Human Development Index (IHDI) indicators developed by Anto 2011 and Rama & Yusuf 2019 in the context of human development in Indonesia to ensure an appropriate index is obtained. The analysis method used is Principal Component Analysis (PCA) with secondary data from 34 provinces in Indonesia for the year 2024. The results show that two indicators, namely the zakat to GDP ratio and the Gini ratio, were eliminated due to high inter-regional variability. The study identifies four main components that form the IHDI, which are the socio-religious dimension, quality of life, economic welfare, and social mobility, explaining a total variance of 75.72 percent. The novelty of this research lies in the empirical reconstruction of the IHDI using the PCA approach, which produces a measurement structure more representative of the socio-economic conditions in Islamic Indonesia compared to the commonly used IHDI. The findings suggest that the PCA-based IHDI model can serve as a foundation for formulating more representative inter-provincial policies in Indonesia aligned with Islamic ethical values at the provincial level.

Sharia Governance, Service Quality, and Muzakki Loyalty: Evidence from Amil Zakat Institutions in Indonesia

Fajar Putra Nugraha — 2025-11-30

This study aims to determine the influence of Sharia governance and service quality on the level of loyalty of muzakki at Amil Zakat Institutions through a quantitative approach. The population of this study consists of muzakki who pay their zakat through Amil Zakat Institutions. Data collection was carried out by distributing questionnaires to 156 respondents who had previously paid their zakat at an Amil Zakat Institution. The sampling method used was non-probability sampling with a convenience sampling technique. Data analysis was conducted using the Structural Equation Modeling (SEM) method with the Partial Least Squares (PLS) model. The results of this study show that transparency, accountability, justice, sharia compliance, and service quality have a positive and significant influence on the loyalty of muzakki at Amil Zakat Institutions. The findings reinforce Oliver's loyalty model that "directly experienced governance" (transparency, accountability, fairness), value congruence (sharia compliance), and service quality drive the transition from satisfaction to loyalty. Conversely, abstract governance principles (responsibility, independence) do not automatically translate into loyalty.

Psychological Determinants and Mediating Mechanisms of Muslim Consumers’ Intention to Boycott Israeli Products

Hani Khairo Amalia — 2025-11-30

This study investigates the psychological determinants influencing Muslim consumers’ intention to boycott Israeli products, focusing on the roles of animosity, perceived efficacy, and subjective norms, as well as the moderating effects of celebrity trend-setters and skeptical opinions. Using a quantitative approach, data were collected through an online survey of 172 Muslim respondents in Surabaya, selected via purposive sampling. Structural Equation Modeling–Partial Least Squares (SEM-PLS) was employed to test the proposed hypotheses. The results show that animosity and perceived efficacy significantly and positively influence boycott intention, while subjective norms have no direct effect. Instead, the influence of subjective norms is mediated by animosity and perceived efficacy, highlighting the emotional and cognitive pathways through which social pressure shapes boycott participation. This study provides contextual evidence from Muslim consumers in Surabaya, thereby broadening the geographical and cultural scope of boycott research and enhancing the generalizability of psychological theories of boycott intention within the Southeast Asian Muslim context. Although the moderating effects of celebrity trend-setters and skeptical opinions were not statistically significant, their inclusion advances the boycott literature by integrating contemporary constructs of psychological and social influence that have been rarely explored empirically. These findings underscore the evolving nature of consumer behavior in socially and politically charged contexts, suggesting that future studies further investigate how media credibility, consumer trust, and moral conviction interact to drive or inhibit collective ethical action. From a managerial perspective, the study emphasizes that companies involved in sensitive geopolitical or ethical issues should prioritize transparent communication, ethical branding, and value-driven corporate responsibility to maintain consumer trust and mitigate reputational risks.