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All Journal Journal of Islamic Economics and Business Ethics Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Syed Muhammad Abdul Rehman Shah
Department of Islamic Economics, Allama Iqbal Open University (AIOU), Islamabad, Pakistan
Arts Economics, Econometrics & Finance

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The Influence of Convenience and Security on Brand Loyalty among DANA Syariah Users: The Mediating Role of Brand Trust Naufal Luthfi Alifa; Diana Djuwita; Abdul Fatakh; Syed Muhammad Abdul Rehman Shah
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 2 No 3 (2025): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v2i3.462

Abstract

This study examines the influence of convenience and security on brand loyalty, mediated by brand trust, among Muslim college students using the DANA digital wallet. In the Islamic fintech context, where ethical values intersect with technological adoption, trust and loyalty are key to user retention. Although DANA offers strong usability and security, it trails competitors in loyalty, raising the question: how do convenience and security affect brand loyalty through brand trust among users familiar with Islamic economic principles? This research is significant as it connects conventional consumer behavior with Islamic economic perspectives, focusing on a demographic familiar with sharia-based financial principles. Using a quantitative approach, the study analyzed survey data from 100 purposively sampled students at the Faculty of Sharia and Islamic Economics, IAIN Syekh Nurjati Cirebon. All of them are DANA users for over three months. Findings revealed that convenience and security significantly influence brand trust. Brand trust fully mediates the impact of convenience and partially mediates the impact of security on brand loyalty. These results highlight that while functionality is important, trust, especially when aligned with Islamic ethical values, is crucial in fostering loyalty. To improve user retention, digital wallet providers should enhance not only technical performance, but also ethical guarantees rooted in transparency and fairness, as emphasized in Islamic economics.
The Dynamics of Islamic Finance in Kazakhstan: Exploring Opportunities and Addressing Challenges Syed Muhammad Abdul Rehman Shah; Zhainar Zhabatayeva; Memoona Ansar
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 17 No. 2 (2025): Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i2.21931

Abstract

Introduction: This paper explores the burgeoning field of Islamic finance in Kazakhstan, highlighting the opportunities and challenges that lie ahead. Islamic finance, which adheres to Sharia law, provides a distinct alternative to conventional banking systems. As Kazakhstan seeks to diversify its financial sector and attract investments from Muslim-majority countries, understanding the dynamics of Islamic finance becomes crucial. This study examines the legislative framework, market potential, key players, and the socio-economic implications of Islamic finance in Kazakhstan. The case study of existing Islamic banks is given, and their financial performance is examined. Methods: This research employed a qualitative approach, incorporating a literature review and descriptive-exploratory analysis. Primary data were obtained from academic literature, official reports from international financial institutions, Kazakh government regulations, and publications related to the development of Islamic finance in Central Asia. Data analysis techniques included reduction, categorization, and thematic interpretation to identify the dynamics, opportunities, and challenges associated with the implementation of Islamic finance in Kazakhstan. This approach was chosen to provide an in-depth understanding of the actual conditions and prospects of Islamic finance, while also generating strategic recommendations for the development of the industry at the national and regional levels. Results: The research paper also highlights the obstacles faced by the Islamic finance sector and the potential for expanding its implementation. Conclusion and suggestion: The paper further recommends solutions for integrating Islamic finance into Kazakhstan’s economy.
Co-Authors Abdul Fatakh Diana Djuwita Memoona Ansar Naufal Luthfi Alifa Zhainar Zhabatayeva