A systematic literature review of online religious leaders, digital advertising, management performance, and consumer decisions in Islamic Banking

Kurniawati Mulyanti; Aris Setyanto Nugroho; Darmansyah Darmansyah

doi:10.55942/jebl.v5i2.505

Authors

Kurniawati Mulyanti Pancasila University
Aris Setyanto Nugroho Pancasila University
Darmansyah Darmansyah Pancasila University

DOI:

https://doi.org/10.55942/jebl.v5i2.505

Keywords:

Islamic banking, online religious leaders, digital advertising, management performance, consumer behavior, Theory of Reasoned Action, Stimulus-Organism-Response

Abstract

This study systematically reviews the literature to examine how online religious leaders, digital advertising, and management performance influence consumer decisions to adopt Islamic banking products, with a focus on Bank Syariah Indonesia (BSI). Employing a systematic literature review methodology, 118 studies published between 2005 and 2025 were analyzed using thematic synthesis. The findings reveal that these three antecedents impact consumer behavior through the mediating roles of trust and motivation. Online religious leaders build legitimacy and shape subjective norms, while digital advertising engages consumers through credibility and emotional appeal. Management performance reinforces service quality, innovation, and Sharia governance, enhancing trust. The integration of the Theory of Reasoned Action (TRA) and the Stimulus-Organism-Response (SOR) model provides a robust theoretical lens to understand these dynamics. The study contributes to academic discourse by contextualizing behavioral theories in Islamic banking and offers practical guidance for banks to develop culturally sensitive, ethically compliant, and effective marketing and management strategies.

Author Biographies

Kurniawati Mulyanti, Pancasila University

Kurniawati Mulyanti is currently a doctoral student in Faculty of Economic and Business, Pancasila University, Jakarta, Indonesia. She serves as a lecturer in the Management Study Program at Universitas Islam 45 (UNISMA) Bekasi. She earned her Bachelor’s degree (S.E.) in Management from Universitas Gadjah Mada and completed her Master’s degree (M.M.) in Management from Sekolah Tinggi Ilmu Ekonomi IPWI Jakarta. Her research interests include Islamic banking, consumer behavior, and digital marketing strategies in the financial services sector.

Aris Setyanto Nugroho, Pancasila University

Prof. Dr. Ir. Aris Setyanto Nugroho, M.M., IPU., CMA., MSS. is a full professor and permanent faculty member in the Department of Economics at Pancasila University, Jakarta, Indonesia. He specializes in Advanced Strategic Management and actively contributes to academic leadership and research in the fields of economics, strategic management, and organizational development. He earned his Bachelor’s degree (Ir.) in 1998 and his Master of Management (M.M.) in 1999, both from Universitas Indonesia, and completed his Doctorate (Dr.) at Institut Pertanian Bogor in 2010. His work integrates theory and practice in strategic decision-making, emphasizing sustainable and competitive management practices.

Darmansyah Darmansyah, Pancasila University

Dr. H. Darmansyah, S.E., M.Ak., Ak., CA. is a permanent lecturer and academic in the Department of Accounting at Pancasila University, Jakarta, Indonesia. Holding the academic rank of Lektor, he specializes in Advanced Management Accounting with a focus on managerial decision-making and performance evaluation. He earned his Bachelor’s degree (S.E.) in Accounting from Universitas Indonesia in 1989, a Master of Education (M.Pd.) from Universitas Ibn Khaldun in 2008, a Master of Accounting (M.Ak.) from Universitas Pancasila in 2014, and Doctorates (Dr.) from Universitas Ibn Khaldun in 2015 and Universitas Pancasila in 2022. His research and teaching emphasize the integration of advanced accounting practices with organizational strategy and governance.

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