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Indra Indra
Universitas Tazkia, Bogor, Indonesia
Economics, Econometrics & Finance

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Customer Loyalty in Islamic Digital Banking: The Moderating Role of Religiosity in the Effects of E-Service Quality and Brand Image Amanda Riany Putri; Afif Zaerofi; Indra Indra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9654

Abstract

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.
Determinants of Loyalty among Gen Z and Millennial Muslim Tourists in Jabodetabek toward Leading Halal Tourism Destinations in Indonesia Andryana andri Andryana; Afif Zaerofi; Indra Indra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9693

Abstract

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.
ANALYSIS OF FACTORS THAT INFLUENCE THE INTENTION AND BEHAVIOR OF FOOD AND BEVERAGE MSMES IN CARRYING OUT HALAL CERTIFICATION Ricky Widiarto; Indra Indra
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9922

Abstract

This study aims to analyze the influence of halal literacy and awareness, religiosity, perceived benefits, perceived ease, and external support on the intention and actual behavior of Micro, Small, and Medium Enterprises (MSMEs) in obtaining halal certification. The research focuses on identifying the most consistent factors affecting both variables to provide strategic recommendations for accelerating halal certification adoption among MSMEs. A quantitative approach was employed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. Data were collected through a survey of 102 MSME owners in the food and beverage sector located in Bogor City and Bogor Regency, all of whom had already obtained halal certification. Respondents were selected based on the criteria of holding halal certification and domicile in the study area. The findings reveal that perceived ease is the most consistent factor influencing both the intention and actual behavior of MSMEs in obtaining halal certification, showing significant effects on both variables. External support significantly affects intention at the 10% significance level, while intention itself is a direct determinant of actual behavior. In contrast, halal literacy and awareness, religiosity, perceived benefits, and external support toward actual behavior show no significant influence. These results indicate that, although knowledge and religious values are conceptually important, they are insufficient to drive actual behavior without a perceived ease in the certification process. This highlights the need for strategies that focus on simplifying procedures, increasing access to practical information, and strengthening external support to convert intention into actual action.
Co-Authors Afif Zaerofi Amanda Riany Putri Andryana andri Andryana Ricky Widiarto