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All Journal Jurnal Ekonomi & Keuangan Islam ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM)
Oktari, Marina
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.
Financial literacy and tech advances on Sharia investment intentions Oktari, Marina; Ratnasari, Ririn Tri; Rusgianto, Sulistya
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art7

Abstract

Purpose – This study examines the impact of financial literacy and technological advancements on young investors’ investment intentions in the Sharia capital market. It also investigates the mediating impact of risk tolerance and moderating influence of income levels.Methodology – This study employs a quantitative methodology utilizing structural equation modeling with partial least squares (SEM-PLS). Data were gathered via an online questionnaire aimed at Muslim investors aged 18 to 40 years with expertise in Indonesia’s Sharia capital market. A five-point Likert scale was used to assess these factors. A total of 204 valid replies were examined using SmartPLS 4.Findings – The findings reveal that both financial literacy and technological advances have significant positive effects on investment intention. Technological advances also significantly increase risk tolerance, whereas financial literacy does not. Risk tolerance neither significantly predicts investment intention, nor mediates the effects of financial literacy or technology. Income level negatively moderates the relationship between financial literacy and investment intention as well as between technological advances and risk tolerance. No significant moderating effects of income were found in other relationships.Implications – This study provides valuable insights for financial institutions and policymakers aiming to enhance participation in the Sharia capital market through financial literacy programs and user-friendly digital investment platforms.Originality – This study contributes to the growing literature on Islamic finance by incorporating a behavioral model that includes both mediation and moderation effects, focusing specifically on millennials and Gen Z Muslim investors in a Sharia-compliant investment setting.
Co-Authors Ririn Tri Ratnasari Rokhmah, Fatma Nur Sulistya Rusgianto Tika Widiastuti