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In this study, silver-silica (Ag/SiO2) was synthesized using the sol-gel method by silica from rice husks. Silica derived from rice husk waste was previously synthesized using the sol gel method. In addition, the Ag material used in this study was also performed into silver nanoparticles (AgNPs). This method was chosen to obtain an Ag/SiO2 composite with nano size and high purity. AgNPs were synthesized using silver nitrate (AgNO3) by reduction method at 90 °C. The reducing agent and stabilizer used is trisodium citrate. UV-Vis, FTIR, XRD, and SEM-EDX were used for the analysis Ag/SiO2 composites. Uv-Vis analysis results Ag/SiO2 has an absorption peak at a wavelength of 412 nm with a bandgap energy of 2.25 eV. These peaks indicate that AgNPs have formed in the SiO2 membrane. The FTIR results revealed the Si-O-Si bonds which indicated the presence of silica and the Ag-O functional group, and the presence of AgNPs. The results of XRD analysis showed that the silica structure formed was cristobalite and silver crystals in the face center cubic (fcc) shape. The results of the SEM-EDX morphological analysis showed that the Ag/SiO2 nanocomposite was shaped like sharp stone chips and the presence of small granules (granules) with different particle sizes and shapes, slightly porous and the composition of the compounds in the Ag/SiO2 nanocomposite indicated the presence of various chemical elements in the sample, including carbon, oxygen, sodium, silica, and silver.

Purpose: This study aims to examine the relationship between emotional bonding (e.g. brand love, brand commitment and brand trust) and consumers’ awareness and consumers loyalty to conventional and Islamic banking products in Indonesia. Design/methodology/approach: The sample consists of 585 Muslim and bank consumers obtained through a survey study and using structural equation modeling to test the research hypotheses. Findings: The empirical results indicate that brand love, commitment and trust have significant and positive effects on consumers’ awareness and loyalty. Furthermore, as the mediator variables, consumers’ awareness partially mediates the relationship between emotional bonding and consumers’ loyalty. Research limitations/implications: This study was validated by Indonesian Muslims; therefore, future study is needed to validate across the region and sector. Practical implications: This study enlightened the bank managers from a marketing and psychological context. The bank managers need to enhance the control and promote their brand and products to improve their relationship and consumers. Originality/value: This study provided the Muslim consumers' decision-making process by developing and testing a model of emotional bonding and consumers’ perspective toward bank products.

Purpose: The purpose of study examine the relationship between religiosity, consumers’ materialism, brand fidelity, attitude and consumers’ commitment to Islamic banking products using evidence from Indonesia. Design/methodology/approach: The sample consists of 658 Muslim and bank consumers obtained through a survey study and using structural equation modeling to test the research hypotheses. Findings: The empirical results indicate that religiosity has significant and positive effects on consumers’ materialism, brand fidelity and attitude, also mediating variables. Furthermore, the mediator variables partially mediate religiosity and consumers’ commitment based on consumers’ culture theory. Research limitations/implications: This study is validated by Indonesian Muslims; therefore, future study is required to analyze across the culture and region. It can help Islamic bank managers and scholars to observe the correlation between religion, Islamic banks products and Muslims’ commitment. Practical implications: The current study enlightened the consumers’ Islamic bank principle operation from marketing and religiosity. The government and the shariah supervisory board need to enhance the control and promote to make sure that Islamic banking operations have compliant with Islamic law. Originality/value: The result of this study provided the Muslim decision-making process by developing and testing a model of religious determinants toward Islamic bank products.

Purpose: This paper aims to investigate how extrinsic and intrinsic religiosity influences the mediator variables, such as consumers’ brand image and materialism in the Indonesian banking sector (e.g. conventional and Islamic). It also examines how mediators influence consumers’ preferences. Design/methodology/approach: The sample consists of 575 bank consumers. The experiment method was used to test the research hypotheses through three studies. Findings: The empirical results indicate that religiosity positively affects consumers' decision-making process, precisely when bank products are based on Islamic principles. Furthermore, consumers' brand image and materialism partially mediate religiosity and consumers’ preferences. Research limitations/implications: This study was limited to Indonesian bank consumers. Therefore, future study is needed to analyze cross-region. Practical implications: Bank managers and regulators need to enhance Islamic banks' products and services and the varying principle between conventional banks. They also need to enlighten consumers from the perspective of business and religiosity. Originality/value: This study contributes to consumers’ behavior literature and the decision-making process of developing and testing a model of religious determinants of consumer preference toward bank products.

Purpose: This research investigates how religiosity (e.g. extrinsic and intrinsic) influences consumers’ awareness and attitudes, which subsequently influences consumers’ preferences for Muslims in the context of Islamic bank. Design/methodology/approach: A total of 480 Islamic bank consumers were recruited for online survey study. Structural equation modeling was used to test the research hypotheses. Findings: Extrinsic religiosity has crucial role on consumers’ awareness and consumer attitudes. However, intrinsic religiosity has less effect on consumer attitudes, whereas consumer awareness plays an important role on consumer attitudes. Furthermore, mediator variables, such as consumers’ awareness and attitudes, have partial role to mediate religiosity and consumers’ preference. Research limitations/implications: The recent study was limited to core of one region, therefore, future studies are needed to analyze consumers’ attitude and engagement in religious products and services such as Islamic brands image. Practical implications: The stakeholders need to collaborate action to promote Islamic banks and the varying standard between their counterparts from the perspective of business and marketing. Originality/value: The result of this study contributes to literature which has correlation with testing religion role toward Islamic bank. It also develops a new views into the determinants factor to influence consumers’ preferences.

Purpose: This paper aims to investigate whether and how religiosity (e.g. extrinsic and intrinsic) influences the mediator variables (consumers’ commitment and materialism) in the Islamic bank consumers context. It also examines how the mediators should be influence consumers’ preferences. Design/methodology/approach: In total, 658 Muslim people and Islamic bank consumers were recruited for a survey study and structural equation modeling was used to test the research hypotheses. Findings: The empirical results indicate that religiosity (e.g. extrinsic and intrinsic) has significant and positive effects on consumers’ commitment and materialism, whereas intrinsic religiosity has no significant effect on consumers’ commitment which subsequently influences consumers’ preference. Furthermore, mediator variables (e.g. consumers’ commitment and consumers’ materialism) have partial mediators between religiosity and consumers’ preferences. Research limitations/implications: The current study was limited to Indonesian Muslim people; there is a future need to study consumers’ attitudes and engagement in religious products and services (e.g. Islamic brands). It is can help practitioners, regulators and researchers to observe the dynamic behavior to elaborate on the impact of religion and Islamic products on consumers’ preference. Practical implications: The bank managers and regulators should enhance the information of products and services Islamic banks and the difference principle between conventional banks. Moreover, enlighten the consumers about the principle operation of Islamic banks from the perspective of marketing and religiosity. Originality/value: This study contributes to consumers’ behavior literature and, specifically, for the decision-making process through developing and testing a model of religious determinants toward Islamic bank products, as well as offers new insights into the determinants of religion and consumers’ decision process toward Islamic banking.

Introduction.The purpose of this study was to examine whether 6-week daily consumption of honey from Apis mellifera and Apis cerana species would affect performance and reduce blood lactate in futsal athletes.