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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) El Dinar JABE (Journal of Accounting and Business Education) JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Almana : Jurnal Manajemen dan Bisnis El-Barka: Journal of Islamic Economics and Business Journal of Enterprise and Development (JED) Al-Kharaj: Journal of Islamic Economic and Business Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE El-Aswaq EKONOMIKA SYARIAH : Journal of Economic Studies MASALIQ: Jurnal Pendidikan dan Sains E-JRM Maliki Islamic Economics Journal Indo-Fintech Intellectuals: Journal of Economics and Business International Journal of Islamic Economics (IJIE) Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) JPS (Jurnal Perbankan Syariah) Jurnal Ilmiah Akuntansi dan Bisnis Academia Open
Harun Alrasyid
Department Of Islamic Banking, Faculty Of Economics And Business, Universitas Islam Malang, Malang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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Pengaruh Konten Kreatif, Influencer, Dan Kepercayaan Digital, Terhadap Minat Beli Konsumen Generasi Z Pada Live Thrift Rulistia Arga Ardana; Harun Alrasyid; Restu Millaningtyas
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract Digital transformation has reshaped how consumers obtain information, interact with sellers, and make purchasing decisions through social media. TikTok has emerged as a prominent platform by integrating live streaming features for marketing and transactional activities, including the rise of live thrift shopping. This study aims to analyze the influence of creative content, influencers, and digital trust on Generation Z's purchase intention in TikTok live thrift activities. A quantitative approach was employed using a survey method involving 100 respondents who met the criteria as TikTok users from Generation Z. Data were analyzed through multiple linear regression using SPSS version 26. The findings reveal that creative content, influencers, and digital trust have positive and significant effects on purchase intention, both partially and simultaneously. These results suggest that live-stream-based marketing strategies should emphasize engaging content presentation, credible communicators, and trust-building mechanisms to enhance promotional effectiveness and stimulate consumer purchasing decisions Keywords: Purchase Intention, Creative Content, Influencers, Digital Trust, Generation Z, TikTok Live Thrift
Pengaruh Konten Media Sosial, Influencer, Dan Ulasan Online Terhadap Keputusan Pembelian Produk Fashion Pada Marketplace (Studi Pada Kalangan Generasi Z Di Kota Malang ) Eka Lailatul Rohma; Nurhajati Nurhajati; Harun Alrasyid
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract This research aimed to examine and explain the influence of content presented through social media, the role of influencers, and online reviews on the purchasing decision-making process of fashion products in marketplaces among Generation Z in Malang City. The data obtained were then analyzed using multiple linear regression. Prior to the main analysis, instrument and research model testing was conducted, including validity, reliability, and classical assumption testing to ensure the validity of the data used in the analysis. The results showed that social media content, influencers, and online reviews collectively have a significant influence on purchasing decisions for fashion products in marketplaces. Meanwhile, the remaining 15.4% is influenced by factors outside the variables analyzed in this study. The findings of this study illustrate that a digital marketing strategy that optimally utilizes social media, supported by the credibility of influencers and the quality of informative and convincing online reviews, plays a crucial role in driving purchasing decisions for fashion products in the marketplace, particularly among Generation Z consumers. Keywords: Social Media Content, Influencers, Online Reviews, Purchasing Decisions.
FROM CYBER DISRUPTION TO DIGITAL TRUST: THE MEDIATING ROLE OF RELIGIOSITY IN ISLAMIC BANKING Harun Alrasyid; Dinda Dwi Nurrizkiana
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 14, No 1 (2026): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v14i1.36821

Abstract

The present study investigates the interplay among trust, perceived security, risk management, and reputation in the context of a cyber-incident in Islamic banking services with religiosity as a mediator. The respondents consisted of 247 Indonesian customers of Islamic banks. PLS-SEM was used to analyze the collected data. The results revealed that religiosity strongly increases the level of trust and mediates the impact of perceived security and reputation. Meanwhile, risk management impacts trust directly. Reputation did not affect the target construct directly, yet had a highly mediated impact on trust through religiosity, suggesting that in a crisis situation, institutional credibility is mainly evaluated through the religious perspective. The present results indicates that the restoration of digital trust in post cyber-incident should be based not only on technical aspects (effective security and risk management) but also on value-based aspects according to the Shariah law. Islamic banks should focus their efforts on communicating cybersecurity measures and practices as part of their ethical responsibility, emphasize accountability and the protection of stakeholders' rights, and work together with religious institutions to build up their credibility. This study contributes to Commitment–Trust Theory, as it reveals that religiosity can be considered an evaluation process in translating institutional practices into trust.
Islamic Fintech Adoption and MSME Financial Inclusion in Indonesia Noor Shodiq Askandar; Harun Alrasyid; Nafadzila Wahyuniar Asri
Jurnal Ilmiah Akuntansi dan Bisnis Vol. 21 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Udayana bekerjasama dengan Ikatan Sarjana Ekonomi Cabang Bali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JIAB.2026.v21.i01.p03

Abstract

Despite the rapid growth of Islamic financial technology (Islamic fintech), the access of micro, small and medium enterprises (MSMEs) to formal financial services continues to remain restrictive. This issue is important in Indonesia, where Islamic fintech offers Shariah-compliant digital access, yet MSMEs still face barriers of literacy, trust, and usability. This research examines how perceived usefulness and perceived ease of use influence MSMEs’ adoption of Shariah-compliant fintech and whether such adoption improves the financial inclusion of Indonesian MSMEs. Through a quantitative design, data were collected from 203 MSME owners and managers who had previous experience of Islamic fintech. The study tested both direct effects and the mediating role among constructs through Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that perceived usefulness and perceived ease of use can significantly encourage Islamic fintech adoption, with perceived ease of use being the strongest factor. Adoption, in turn, improves financial inclusion and partially mediates the relationship between technology-related perceptions and inclusive outcomes. The findings of this study enhance the Technology Acceptance Model in the Islamic fintech context and highlight that adoption serves as an important behavioural pathway for digital innovation to be used and participate financially. The key novelty of this study lies in positioning Islamic fintech adoption as a mediating mechanism between TAM-based perceptions and MSME financial inclusion. This study contributes to Islamic fintech literature by highlighting adoption as a novel mediating pathway through which technology-related perceptions enhance MSME financial inclusion.
Explaining Continuance Intention in Islamic Digital Banking: The Mediating Role of Digital Self-Efficacy Among Generation Z Jafira Hasna Sajiddah; Harun Alrasyid; Irma Hidayati
El-Barka Journal of Islamic Economics and Business Vol. 9 No. 1 (2026)
Publisher : El-Barka

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Abstract

This study examines continuance intention toward Islamic digital banking among Generation Z, a segment that increasingly relies on digital financial services yet does not always maintain long-term usage. Despite the rapid growth of Islamic digital banking, there is a limited understanding of how cognitive, technological, and psychological factors jointly influence post-adoption behaviour. To address this gap, the study investigates the effects of Islamic financial literacy, information quality, and digital satisfaction on continuance intention, with digital self-efficacy serving as a mediating variable. The study contributes to the post-adoption literature by integrating Islamic financial literacy and digital self-efficacy into a unified framework for explaining sustainable usage behaviour in Islamic digital banking. Using a quantitative approach, data were collected from 205 Generation Z users of Islamic digital banking in Indonesia and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that Islamic financial literacy, information quality, and digital satisfaction significantly influence continuance intention and digital self-efficacy, with information quality emerging as the strongest predictor. Digital self-efficacy also mediates the relationships between these factors and continuance intention. These findings suggest that continuance intention in Islamic digital banking is shaped not only by technological performance but also by users’ knowledge and confidence in using digital financial services. Practically, Islamic financial institutions should enhance information quality, user experience, and Islamic financial literacy initiatives to encourage sustained engagement with Sharia-compliant digital banking services.
Social Media Marketing, Fintech Knowledge, Perceived Risk on Intention to Use Islamic Fintech: The Moderating Role of Sharia Compliance Among Generation Z Salsabilla Firzinia Aulia; Harun Alrasyid; Ratna Tri Hardaningtyas
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 10 No. 1 (2026): June 2026
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v10i1.11235

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The rapid growth of Islamic financial technology (fintech) presents significant opportunities to enhance financial inclusion, particularly among Generation Z, who are highly exposed to digital platforms. However, the determinants of their intention to adopt sharia fintech remain insufficiently understood, especially when integrating social, cognitive, and risk-related factors. This study aims to examine the influence of social media marketing, fintech knowledge, and perceived risk on the intention to use Islamic fintech, with sharia compliance as a moderating variable. A quantitative approach was employed using survey data collected from 219 Generation Z respondents, analyzed through Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that social media marketing and fintech knowledge significantly influence intention, while perceived risk does not. Furthermore, sharia compliance does not moderate the effects of social media marketing and fintech knowledge but plays a significant buffering role in reducing the negative impact of perceived risk. These findings suggest that digital exposure and knowledge are key drivers of adoption, while religious compliance enhances trust by mitigating perceived risk.
Building Loyalty in Islamic Banking: How Brand Trust and Mobile Banking Quality Drive Customer Satisfaction and Retention Navilah Laila Wardani; Harun Alrasyid; Nurhidayah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8629

Abstract

This study aims to analyze the influence of brand trust and mobile banking service quality on customer loyalty through customer satisfaction in the islamic banking industry in indonesia. A quantitative research method was employed with a sample of 230 respondents, consisting of bank syariah indonesia (BSI) customers in the malang raya area. Data were collected using a likert-scale questionnaire and analyzed using the partial least squares structural equation modeling (PLS-SEM) method with the help of smartpls 4 software. The results indicate that both brand trust and mobile banking service quality have a positive and significant effect on customer satisfaction, which in turn serves as a strong mediating variable in the relationship. Furthermore, mobile banking service quality has a significant positive effect on customer loyalty, as does customer satisfaction. Brand trust and mobile banking service quality also significantly influence customer loyalty through customer satisfaction as a mediating variable. These findings highlight the crucial role of customer satisfaction in building customer loyalty. It is evident that both brand trust and the quality of mobile banking services enhance satisfaction, which ultimately drives loyalty. Therefore, islamic banks need to strengthen customer trust and improve the quality of their digital services to retain their customers.
Can Institutional Trust Strengthen Gold Investment Intention? Evidence from the Interplay of FoMO, Financial Literacy, and Long-Term Investment Motivation Siti Aminatus Zuhro; Noor Shodiq Askandar; Harun Alrasyid
Journal of Enterprise and Development (JED) Vol. 8 No. 2 (2026): May - August
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v8i2.15467

Abstract

Purpose: This study aims to analyze the influence of Fear of Missing Out (FoMO), financial literacy, and long-term investment motivation on gold investment intention, and to examine the moderating role of institutional trust.Method: This study employed a quantitative causal explanatory design targeting individuals interested in gold investment. Respondents were selected based on specific criteria: being at least 17 years old, having prior knowledge of gold investment, and showing interest in using gold investment products. Data were collected through structured questionnaires from 216 eligible respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the direct and moderating effects among variables.Result: The findings indicate that FoMO, financial literacy, and long-term investment motivation positively and significantly affect gold investment intention. Moreover, institutional trust strengthens the relationships between FoMO, financial literacy, and long-term investment motivation and gold investment intention.Practical Implications for Economic Growth and Development: The results suggest that improving financial literacy, strengthening public trust in Islamic financial institutions, and enhancing the usability and transparency of digital gold investment platforms may encourage stronger public intention to invest in gold. These findings provide practical guidance for Islamic financial institutions and platform providers in designing more accessible, credible, and user-oriented investment services.Originality/Value: This study adds trust to Islamic financial institutions (institutional trust) as the moderator in the context of gold investment intention.
The Role of Tax Socialization in Mediating Digital Literacy and Taxpayer Trust on Coretax Acceptance Elfa Nur Sa`ida; Jeni Susyanti; Harun Alrasyid
Almana : Jurnal Manajemen dan Bisnis Vol. 10 No. 1 (2026): April
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v10i1.2999

Abstract

The coretax system in Indonesia represents a significant change in tax administration, and user acceptance in a mandatory setting is a determinant of its success. This study aims to examine the influence of digital literacy and trust in tax authorities on Coretax system acceptance, with tax socialization effectiveness as a mediating variable. Using a quantitative causal-explanatory design, survey data from 150 individual taxpayers at KPP Pratama Malang Utara were analyzed via PLS-SEM. The findings indicate that digital literacy and trust in tax authorities do not affect coretax system acceptance. Nonetheless, both variables significantly influence tax socialization effectiveness. The most important factor that drives acceptance is tax socialization effectiveness, which enhances the relationship between taxpayer features and system adoption. The conclusion shows that in a mandatory digital environment, skills and trust alone are insufficient. Both have to be activated through the right socialization strategies for a successful implementation into the system.
Rebuilding customer trust after cyberattacks: Examining the role of trust recovery in Indonesian Islamic digital banking Dinda Dwi Nurrizkiana; Afifudin Afifudin; Harun Alrasyid
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol. 22 No. 1 (2025): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v22i1.24389

Abstract

The increasing reliance on digital platforms in Islamic banking has heightened customers’ vulnerability to cyberattacks, making post-crisis trust management a strategic priority. However, limited research has examined how trust can be effectively restored after such incidents. This study investigates the direct and indirect effects of system security, communication, and reputation on customer trust, with trust recovery as a mediating variable. A quantitative explanatory design was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to analyze data from 252 users of an Islamic digital banking institution in Indonesia affected by a major cyberattack in 2023. The results reveal that system security, communication, and reputation do not directly influence customer trust but become significant when mediated by trust recovery. These findings indicate that customers place greater value on tangible recovery efforts than on pre-crisis institutional claims.  This suggests that trust is not restored through declarative assurances alone but rather through demonstrable recovery actions that signal institutional competence and commitment. By integrating Islamic based ethical principles such as amanah (responsibility), itqan (professionalism), and transparency into recovery strategies, this study extends trust recovery theory in the context of Islamic digital services.
Co-Authors Afifudin Afifudin Ahsani Taqwiem Akmalia, Shalyza Nur Anisa, May Nur Annisa Mutmainah Arista Fauzi Kartika Sari Arsyianto, Muhammad Tody Asniza Afhami Asyadi, Erda Dwi Ananda Bastomi, Mohamad Bayu Kurnia Rizki Dewi Hurwardani Dinda Dewi Anggraeni Dinda Dwi Nurrizkiana Dinda Dwi Nurrizkiana Dita Roosemella Paramadina Durotin Masruroh Dwiyani Sudaryanti Eka Lailatul Rohma Elfa Nur Sa`ida Erfan Efendi Farizka Ananda Safitri Febriansyah, Aldhi Febriyani, Nurlatifa Indrayanti, Rr Nugraheni Putri Irawati, Khusnul Irma Hidayati Jafira Hasna Sajiddah Jeni Susyanti Khalikussabir, Khalikussabir Khofifah Khofifah Khofifah Khofifah Lay, Denilson Pereira Maslichah, Maslichah Mohammad Rizal, Mohammad Nafadzila Wahyuniar Asri Nanda Dian Rahmadani Navilah Laila Wardani Navilah Laila Wardani Nissa, Uswatul Tirania Choirul Noor Shodiq Askandar Noor Shodiq Askandar Nur Diana Nur Diana Nur Diana Nurhajati Nurhajati Nurhajati Nurhidayah Nurhidayah Nurhidayah Nuur Halimatus Sa’diyah Masrukhin Pinky Anjeli Pradnawati, Eriza Rabbani, Mustafa Raza Rachel Amanda Vinka Artamefia Rafika Nur Laili Rafika Tri Cahya Rahmawati Rahmawati Ramlianto Ramlianto Ratna Tri Hardaningtyas Restu Millaningtyas Ridwan, Siti Rahmania Rulistia Arga Ardana Sabariah Sabariah Salsabilla Firzinia Aulia Sa’diah, Mufidatul Siti Aminatus Zuhro Susmayanti, Ratna Lidia Wahyuningtyas, Nanik