Mohammad Iqbal Irfany
Faculty of Economics and Management, IPB University, Jl. Agatis. Dramaga Campus IPB, Bogor, West Java, 16680, Indonesia

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Examining the effect of User Experience on Generation Y and Z Customers’ Satisfaction and Loyalty in Jago Syariah mobile banking Rafifah Rismawati; Mohammad iqbal Irfany
Halal Studies and Society Vol. 2 No. 2 (2025): May 2025
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/hass.2.2.31-36

Abstract

The rapid expansion of internet access and the growth of Indonesia’s digital economy have accelerated the adoption of digital financial services, particularly mobile banking. In this increasingly competitive environment, Islamic digital banking providers face a dual challenge: ensuring Sharia compliance while delivering a seamless user experience (UX) that meets modern customer expectations. This study examines the effect of UX on Customer Satisfaction (CS) and Customer Loyalty (CL) among Generation Y and Z users of Jago Syariah mobile banking in Jabodetabek. A quantitative design was employed using an online survey (May–June 2025) with purposive sampling, yielding 203 valid responses from active users aged 17–44. UX was measured using the User Experience Questionnaire (UEQ) with six dimensions (attractiveness, perspicuity, efficiency, dependability, stimulation, and novelty), while CS and CL were assessed using established indicators. Data were analyzed through descriptive statistics and Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4. The measurement model met validity and reliability criteria (AVE > 0.50; HTMT < 0.90; CR > 0.70). Structural results showed that UX positively and significantly influenced CS (β = 0.817; t = 21.176) and CL (β = 0.498; t = 6.716), and CS also positively affected CL (β = 0.443; t = 5.529), confirming the mediating role of satisfaction. The model explained 66.5% of variance in CS and 80.3% in CL. These findings highlight UX as a critical driver of satisfaction and loyalty in Islamic mobile banking, emphasizing the need for continuous improvements in usability, reliability, and feature performance to sustain customer retention and advocacy among digitally literate generations.
Factors affecting the economic growth of Organization of Islamic Cooperation (OIC) member countries Ahmad Fauzan; Mohammad iqbal Irfany
Halal Studies and Society Vol. 2 No. 2 (2025): May 2025
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/hass.2.2.37-41

Abstract

Economic growth is widely used as a macroeconomic indicator for describing economic performance and, by extension, shifts in material living standards. Therefore, this study centers on the Organization of Islamic Cooperation (OIC), an international forum with predominantly Muslim member states, and examines the relationship between selected macroeconomic variables and economic growth across OIC countries from 2000 to 2021, a timeframe marked by two major global economic crises. In order to achieve the stated objective, panel data regression was applied to observations from 34 countries with complete data on inflation, net exports, gross fixed capital formation, real interest rates, working-age population, and total population. Panel regression was estimated under the Common Effects Model (CEM), Fixed Effects Model (FEM), and Random Effects Model (REM), with model selection based on specification tests. The Chow test (F = 167.4303; p = 0.0000) and Hausman test (² = 101.8431; p = 0.0000) consistently support the FEM as the preferred model. FEM results indicate that inflation and the real interest rate negatively and significantly affect GDP (INF: β = 0.007252, p = 0.0000; RIR: β = 0.008265, p = 0.0000), while net exports, gross fixed capital formation, working-age population, and population positively and significantly influence GDP (LnNetExp: β = 0.228393, p = 0.0000; LnGFC: β = 0.321654, p = 0.0000; PAK: β = 0.007255, p = 0.0104; LnPOP: β = 0.790510, p = 0.0000). All variables are jointly significant (F-statistic = 6735.187; p = 0.0000), and the model exhibits very high explanatory power (R² = 0.997722; adjusted R² = 0.997574). The findings underscore the critical role of price stability and real borrowing costs, alongside trade performance, capital accumulation, and demographic–labor dynamics, in shaping growth trajectories across OIC economies.
Factors influencing Generation Z muslims’ purchase decisions of green halal pharmaceutical products Rachma Ardia Putri; Mohammad iqbal Irfany
Halal Studies and Society Vol. 3 No. 2 (2026): May 2026
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/hass.3.2.14-20

Abstract

Pharmaceutical products play a significant role in people’s lives to overcome disease or maintain health. However, pharmaceutical supply chain has a high proportion of greenhouse gas emissions and contributes to climate change. Green Halal Pharmaceutical (Green HPC) Products are innovative solution for pharmaceutical industry and a primary opportunity for the global Islamic economy. There is limited academic literature discussing the combination of halal and green pharmaceutical products. Therefore, this study aimed to identify consumer characteristics and analyze the factors influencing Generation Z (Gen Z) Muslims’ purchasing decisions for Green HPC products in Indonesia. The direct and indirect relationship between halal brand image, health consciousness, environmental knowledge, and religiosity variables on attitudes and halal-green lifestyles, assumed to influence consumer buying interest and purchasing decisions, was also examined. A quantitative approach and purposive nonprobability sampling were used to recruit 300 Muslim Gen Z respondents in Indonesia. Descriptive analysis was adopted to examine respondents’ characteristics, while Structural Equation Modeling–Partial Least Squares (SEM-PLS) was conducted using SmartPLS 3. The importance of the role of pharmaceutical products was not in line with the large number of studies in the area. Therefore, this study explained consumer behavior towards Green HPC and focused on Gen Z as entry-level consumers. The results showed that nine out of ten hypotheses were supported. Purchase decisions of Green HPC were primarily influenced by purchase intention, while environmental knowledge affected purchase decisions indirectly through halal-green lifestyle, attitudes, and purchase intention.