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All Journal Jurnal Ekonomi Syariah Teori dan Terapan ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM)
Rokhmah, Fatma Nur
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Social media influencers on halal cosmetic purchase intention among Gen Z Muslims Rokhmah, Fatma Nur; Oktari, Marina; Widiastuti, Tika
Asian Journal of Islamic Management (AJIM) VOLUME 7 ISSUE 1, 2025
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol7.iss1.art7

Abstract

Purpose – This study investigates the influence of social media influencers on the purchase intention of halal cosmetic products among Muslim Generation Z in Indonesia. This study incorporates religiosity as a moderating variable and attitude toward influencers as a mediating variable, extending the Theory of Planned Behavior (TPB) in a culturally specific context.Methodology – A quantitative approach was employed using a structured online questionnaire distributed to 308 Muslim Gen Z respondents who had been exposed to halal cosmetic content promoted by social media influencers. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the SmartPLS 4 software.Findings – The results show that perceived credibility, trust, subjective norms, and perceived behavioral control significantly affect attitudes toward social media influencers. Attitude, in turn, had a significantly positive influence on purchase intention. However, religiosity does not significantly moderate the relationship between attitude toward influencers and purchase intention, indicating that religious commitment may not amplify or diminish the role of influencer persuasion.Implications – These findings suggest that marketers of halal cosmetics should collaborate with influencers who exhibit authenticity, trustworthiness, and alignment with Islamic values to engage Muslim Gen Z. Understanding the digital and religious sensibilities of this segment is crucial for shaping effective marketing strategies.Originality – The originality of this research lies in its specific focus on halal consumption in the cosmetics industry. Targeting Indonesian Muslim Gen Z, the study explicitly examines the role of religiosity as a moderating variable, filling a research gap on how religious values influence purchasing decisions.
Macroeconomic, Financial Performance, COVID-19, and the Stability of Islamic Rural Banks: Regional Evidence from Indonesia Rokhmah, Fatma Nur; Rusgianto, Sulistya
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 4 (2025): November-2025
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol12iss20254pp439-454

Abstract

This study aims to analyze the effect of macroeconomic, financial performance, and the COVID-19 pandemic on the stability of Islamic Rural Banks (BPRS) in Indonesia, as well as to examine the differences in these effects between the Java and non-Java regions. A quantitative approach using panel data regression (Random Effect Model) was applied to data from 100 BPRS during the 2020–2024 period. Financial stability was measured using the Z-score. Macroeconomic variables include provincial inflation and regional GDP growth (PDRB). Financial performance indicators consist of Capital Adequacy Ratio (CAR), Financing-to-Deposit Ratio (FDR), and Non-Performing Financing (NPF), while the COVID-19 dummy variable captures the impact of the pandemic shock. The empirical results show that CAR and NPF have a significant influence on BPRS stability across all regions, while inflation and PDRB are not statistically significant in the aggregate model. The COVID-19 variable exerts a significant negative effect on stability, confirming the pandemic’s disruptive impact on Islamic microfinance. When the model is estimated separately for Java and non-Java regions, the FDR variable demonstrates a stronger and negative effect on stability in non-Java BPRS, indicating structural disparities in liquidity management and risk absorption capacity. These findings underline the importance of region-specific macroprudential and microprudential policies, particularly in enhancing capital strength and liquidity governance among non-Java BPRS. The study contributes to the literature on Islamic financial stability by integrating macroeconomic, financial, and crisis dimensions within a regional framework, offering strategic implications for the Financial Services Authority (OJK) and Bank Indonesia to strengthen the resilience of Islamic microfinance institutions in Indonesia
Co-Authors Oktari, Marina Rusgianto, Sulistya Tika Widiastuti