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This study aims to develop a Theory of Planned Behavior by analyzing the factors that influence customers to contribute to Islamic P2P lending customers. This study uses a partial least squares structural equation model (PLS-SEM) analysis with 120 respondents. The number of respondents is determined by the five rules of thumb approach, while data collection is done by purposive sampling. This research was conducted for one year, namely in 2021-2022 with the provision that the sample was customers of Islamic P2P lending in Indonesia. The results of the study revealed that attitude, subjective norm and perceived behavior control had a significant positive effect on the intention to contribute to Islamic P2P lending. While piety and intention have a significant positive effect on behavior to contribute to Islamic P2P lending in Indonesia. The results of this study contribute to the development of the theory of planned behavior (TPB), more extensive research is needed such as research in countries that are members of the OIC to validate these results. Keywords: Muslim Behavior, Islamic Peer-to-Peer Landing, Financial Technology

This research aims to examine the factors influencing the Indonesian Muslim community’s actions in choosing halal items. This objective is accomplished by evaluating the factors of variable creation that affect halal product selection. 183 Muslim respondents in Indonesia collected data for the study by filling out questionnaires. There are nine variables in the questionnaire survey segment: personal social perception, halal certification, halal awareness, trust, subjective norms, satisfaction, attitude, religiosity, and interest. Data were obtained based on participants’ availability and willingness to participate in selecting the questionnaire. The approach used is quantitative descriptive, namely, factor analysis, to determine the factors that form variables. One of the most important results is that the nine variables were selected to create an element that significantly influences people’s behavior in choosing halal items. Next are satisfaction, personal social perception, subjective norms, attitude, halal certification, interest, trust, and halal awareness. The religiosity variable results give the most significant contribution of importance in shaping the variables. AcknowledgmentAuthors acknowledge the Covenant Faculty of Economics and Business of UIN Sunan Gunung Djati Bandung, who has supported this research.

The ten sub-constructs of Islamic Moral were operationalized to conceptualize the measure of Moral Character of Muslim Personality (MCMP). These characters were derived from and based on the analysis of Qura’nic framework of pious people (al-muttaqīn) model (cooperation, striving with wealth and self, reconciliation, voluntary charity, truth, trustworthiness, justice, fulfilling promises, forgivingness, and steadfastness). A pool of items was written, and 50 statements were selected and submitted to subject matter experts in order to assess content validity of MCMP draft. The ten sub-constructs of MCMP were validated across a multiple sample of (472) international and Asian students within International Islamic University Malaysia(IIUM) campus form different Muslim countries. Confirmatory Factor Analysis (CFA),using AMOS (version 16) was applied to support the construct validity of MCMP model. The results showed goodness of fit of MCMP model of eight moral characters (cooperation, striving with wealth and self, reconciliation, voluntary charity, trustworthiness, fulfilling promises, forgivingness, and steadfastness). The Reliability indexes using Cronbach’s Alpha coefficient were computed and ranged from 0.70 to 0.86 supporting the eight constructs, while the whole index of reliability is 0.92 for MCMP measure. Certain recommendations are suggested to sustain supporting Islamic theory dealing with human behavior in the field of Islamization of knowledge.