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INDONESIA
Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
Arjuna Subject : -
Articles 1,152 Documents
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Journal Cover Vol 12, No 1 (2025) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 1 (2025): Februari-2025
Publisher : Universitas Airlangga

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Journal Cover Vol 12, No 2 (2025) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 2 (2025): Mei-2025
Publisher : Universitas Airlangga

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Journal Cover Vol 12, No 3 (2025) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 12 No. 3 (2025): Agustus-2025
Publisher : Universitas Airlangga

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Halal Lifestyle: How Does Islamic Financial Literacy and Halal Literacy Encourage It? Guntoro, Dibyo Waskito; Sholekhah, irmadatus; Solikin, Asep
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/vol12iss20254pp363-374

Abstract

The global expansion of the Halal market highlights the growing adoption of a Halal Lifestyle, yet a persistent gap exists between Muslim consumers' intentions and their actual purchasing behavior. This study addresses a critical gap in halal consumption literature by examining how Islamic Financial Literacy (IFL) and Halal Literacy (HL) jointly influence Halal Lifestyle adoption. While previous research emphasizes religiosity, it overlooks the role of specific knowledge domains in bridging the "halal consciousness gap" between intention and behavior. Grounded in an integrated Theory of Islamic Planned Behavior and Behavior Reasoning Theory framework, we propose IFL and HL serve as cognitive tools that enhance perceived behavioral control and provide concrete reasons for consistent halal consumption. Using quantitative data from 108 Muslim students in Indonesia, multiple linear regression analysis reveals both IFL (β = 0.217, p = 0.021) and HL (β = 0.285, p = 0.003) significantly predict Halal Lifestyle, collectively explaining 11.2% of variance (R² = 0.112). The findings demonstrate these literacies operate as complementary mechanisms translating religious motives into cross-domain consumption practices. The study contributes theoretically by validating the integrated TIPB-BRT framework and establishing IFL as a relevant construct beyond financial contexts. Practically, it advocates shifting from product provision to building a "smart halal ecosystem" through integrated literacy campaigns, empowering consumers to make informed choices across food, finance, and lifestyle domains.
Psychological Determinants and Mediating Mechanisms of Muslim Consumers’ Intention to Boycott Israeli Products Amalia, Hani Khairo; Masruroh, Amalia; Prasetyo, Ari
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/vol12iss20254pp422-438

Abstract

This study investigates the psychological determinants influencing Muslim consumers’ intention to boycott Israeli products, focusing on the roles of animosity, perceived efficacy, and subjective norms, as well as the moderating effects of celebrity trend-setters and skeptical opinions. Using a quantitative approach, data were collected through an online survey of 172 Muslim respondents in Surabaya, selected via purposive sampling. Structural Equation Modeling–Partial Least Squares (SEM-PLS) was employed to test the proposed hypotheses. The results show that animosity and perceived efficacy significantly and positively influence boycott intention, while subjective norms have no direct effect. Instead, the influence of subjective norms is mediated by animosity and perceived efficacy, highlighting the emotional and cognitive pathways through which social pressure shapes boycott participation. This study provides contextual evidence from Muslim consumers in Surabaya, thereby broadening the geographical and cultural scope of boycott research and enhancing the generalizability of psychological theories of boycott intention within the Southeast Asian Muslim context. Although the moderating effects of celebrity trend-setters and skeptical opinions were not statistically significant, their inclusion advances the boycott literature by integrating contemporary constructs of psychological and social influence that have been rarely explored empirically. These findings underscore the evolving nature of consumer behavior in socially and politically charged contexts, suggesting that future studies further investigate how media credibility, consumer trust, and moral conviction interact to drive or inhibit collective ethical action. From a managerial perspective, the study emphasizes that companies involved in sensitive geopolitical or ethical issues should prioritize transparent communication, ethical branding, and value-driven corporate responsibility to maintain consumer trust and mitigate reputational risks.
Sharia Governance, Service Quality, and Muzakki Loyalty: Evidence from Amil Zakat Institutions in Indonesia Nugraha, Fajar Putra; Herianingrum, Sri
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/vol12iss20254pp406-421

Abstract

This study aims to determine the influence of Sharia governance and service quality on the level of loyalty of muzakki at Amil Zakat Institutions through a quantitative approach. The population of this study consists of muzakki who pay their zakat through Amil Zakat Institutions. Data collection was carried out by distributing questionnaires to 156 respondents who had previously paid their zakat at an Amil Zakat Institution. The sampling method used was non-probability sampling with a convenience sampling technique. Data analysis was conducted using the Structural Equation Modeling (SEM) method with the Partial Least Squares (PLS) model. The results of this study show that transparency, accountability, justice, sharia compliance, and service quality have a positive and significant influence on the loyalty of muzakki at Amil Zakat Institutions. The findings reinforce Oliver's loyalty model that "directly experienced governance" (transparency, accountability, fairness), value congruence (sharia compliance), and service quality drive the transition from satisfaction to loyalty. Conversely, abstract governance principles (responsibility, independence) do not automatically translate into loyalty.
Mudarabah vs Musharakah: Which Profit Loss Sharing Scheme Poses Greater Financing Risk? Pramudita, Tita Hesti; Aji Purba Trapsila
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/vol12iss20254pp455-471

Abstract

Existing literature generally only discusses the impact of Profit and Loss Sharing (PLS)-based financing in general on the financing risk of Islamic banks. This study conducts a more in-depth analysis by separating PLS into two main schemes, namely Mudarabah and Musharakah, to explore the differences in risk levels between the two. The data used comes from the annual reports of 7 Islamic Commercial Banks in Indonesia during the 2019-2023 period, which were analyzed using panel data regression methods. The results show that Mudarabah financing is not riskier than Musharakah. Specifically, Mudarabah financing has no significant effect on financing risk, while Musharakah financing shows a positive and significant effect on increasing financing risk. These findings have important implications for Islamic bank risk management in allocating financing based on the PLS scheme.
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
The Mediating Role of Wara’ in Green Halal Purchase Behavior among Generation Z Astuti, Andi; Razak, Syaparuddin; Farida, Ida
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/vol12iss20254pp375-388

Abstract

This study aims to analyze the mediating role of wara’ in linking Islamic ethics, religious norms, and environmental awareness to green halal purchase behavior among Generation Z consumers. A survey was conducted with 157 Muslim Gen Z respondents in South Sulawesi using convenience sampling and a five-point Likert scale. Data were analyzed using SEM-PLS (SmartPLS 4) through measurement and structural model assessments. The findings indicate that Islamic ethics significantly influence the formation of wara’, and wara’ serves as a mediator that strengthens green halal purchase behavior. Religious norms directly affect consumer behavior, while environmental awareness reinforces ethical consumption orientation. These results demonstrate that the internalization of moral and spiritual values contributes to more consistent sustainable consumption behavior. The study implies the importance of halal literacy programs, value-based education, and ethical marketing strategies to cultivate responsible, sustainability-oriented consumer behavior aligned with Islamic principles.
The Role of Religiosity in Moderating the Decision To Use Sharia-Compliant Insurance Services Efendi, Yola Puspita; Wijayanti, Anita
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/vol12iss20254pp472-491

Abstract

This quantitative correlational study analyzes factors influencing millennial generation decisions to use Islamic insurance, considering religiosity's moderating effect. The study investigates Islamic financial literacy, risk perception, and trust in Islamic financial institutions roles in shaping such decisions. Data from 116 Indonesian millennials were analyzed using Partial Least Squares – Structural Equation Modeling (PLS-SEM). Findings show that Islamic financial literacy, risk perception, and trust in Islamic financial institutions have positive and significant effects on Islamc insurance usage decisions. Religiosity does not significantly moderate the effects of Islamic financial literacy and risk perception on decisions, but moderates the relationship between trust in Islamic financial institutions and decisions at ten percent significance level. Results highlight the importance for Islamic insurance providers to enhance financial literacy and build trust as key strategies to attract millennial customers. This study contributes to Extended Theory of Planned Behavior application by clarifying religiosity's role in Islamic-based financial decisions, reinforcing Theory of Planned Behavior validity, and enriching Risk Perception Theory and Trust Theory in explaining consumer behavior in Islamic finance context.

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