Indonesia is a country with the largest Muslim population in the world. However, since the Islamic banks were being established in Indonesia for about 20 years, their market share only accounts for about 5% in the Indonesian banking system. Muslim participations in using Islamic bank are relatively low. This study expands the Theory of Planned Behavior by adding the variables of religiosity and self-efficacy. Previous studies have not examined this new expanded model to analyze customers who participated in using the saving Islamic bank's products and services. Based on 220 Islamic bank consumers who participated in the study, the study indicated that questionnaires about religiosity and self-efficacy had good external validity and could be adapted for the Indonesian culture context. The most interesting finding was that the religiosity variable strongly enhanced the use of Islamic banks. Similarly, this study found that the self-efficacy variable improved an intention of customers to participate in the Islamic banking system. This paper also discusses the implications of the findings and recommendations for future studies.

<pre><span>There are many factors that influence consumer intention to use electronic money. Based on the theory of planned behavior, behavior intention is formed by the attitude toward behavior, subjective norms and perceived behavioral control. This research aims to a<span>nalyze attitude, subjective norms and perceived behavioral control that affect consumer intention in the usage of electronic money</span>.<span>Data collection from respondents through a structured questionnaire by self-report. Some questions in the questionnaire were made on a Likert scale with five variations of the answers in very strongly disagreeable order to strongly agree. The respondents are 290 undergraduate students that have never used server-based electronic money. </span>The result showed that the attitude toward behavior did not a significantly affect the behavior intention. While the subjective norms and perceived behavioral control have a significant effect on the behavior intention <span>in the usage of electronic money.</span></span></pre>

Economic growth is a fundamental indicator in assessing economic performance. In assessing the economic growth, it can use several important variables such as Inflation, Government Consumption Expenditure, Foreign Debts, and Sharia Finance. In turn, this research aims to analyze the impacts of these variables on the economic growth in Indonesia (Quarter I – Quarter IV) in the period of 2011-2018. The Error Correction Model used in the analysis method. The results of the analysis showed that the variable inflation in the long-term harmed economic growth; while, in the short-term, the level of inflation had a positive impact on economic growth. Meanwhile, the variable of Government Consumption Expenditure had a negative contribution to economic growth. Furthermore, foreign debt in the long term hurt economic growth, but for the short term, it could bring the positive one. Variable of Sharia finance showed a good result both in the short term and in the long term with a negative correlation with economic growth in Indonesia. However, all variables of inflation, Government Consumption Expenditure, foreign debts, and sharia finance simultaneously had an impact on National Economic Growth.

Introduction to The Problem: Millennials are a generation that has a very rapid growth. More than 30 percent of Indonesia's population is millennials, but many of the Millennials have not been intentioned in investing in sharia stocks.Purpose/Objective Study: The purpose of this research is to examine the impact of sharia financial literacy on Millennials on the intention of investing in sharia stocks, or it has other factors.Design/Methodology/Approach: This research used Sharia financial literacy and the Theory of Planned Behavior. This research used five variables namely Sharia financial literacy, attitudes, subjective norms, behavioral controls, and intentions. This study used purposive sampling method, from muslim millennials in Yogyakarta. Total respondents to this study are 112 with 20-40 years old or a millennials generation and already have income. Multiple linear regression analysis techniques used as primary analytical techniques.Findings: The results proved that Sharia financial literacy and subjective norms did not affect the intention of investing in sharia stocks. Other variables, such as behavioral attitudes and controls, proved to have a significant influence on the intention of investing in sharia stocks.

Market share of halal cosmetics in Indonesia increased all of the time. It was not surprising, as a country with the biggest Moslem population in the world, the need of halal cosmetics is a must. Had it trued that the consumption of halal cosmetics driven by religion (Islam) as a social identity or by other factors. This study tried to find the role of religion as consumer's social identity with extended theory planned behavior. This study used purposived sampling technics among 100 collage students in Yogyakarta and analyzed with partial Least Square (PLS) s-SEM used smartPLS software. This research found that religion identity was not influenced toward intention to use cosmetics halal. The other variables, attitude, subjective norm and perceived behavior control have a positive and significant influenced toward intention to use halal cosmetics. AbstrakMarket share kosmetik halal di Indonesia, selalu meningkat sepanjang waktu. Hal tersebut tentu saja bukan hal yang mengejutkan, sebagai negara dengan populasi umat islam terbesar didunia kebutuhan kosmetik halal merupakan suatu keniscayaan. Akan tetapi apakah benar bahwa konsumsi kosmetik halal tersebut didorong oleh agama (Islam) sebagai identitas sosial konsumen atau justru oleh faktor lain. Penelitian ini mencoba melihat peran agama sebagai identitas sosial konsumen, dengan menggunakan theory planned behavior. Penelitian ini merupakan penelitian kuantitatif, dengan teknik sampling purposive dengan jumlah angket sebanyak 100 responden mahasiswi yang beragama Islam di Yogyakarta. Data kemudian diolah dengan Partial Least Square (PLS)-SEM menggunakan software smartPLS. Penelitian menemukan bahwa, identitas agama tidak memiliki peran terhadap niat menggunakan kosmetik halal. Sedangkan sikap, norma subyektif serta perceived behavior control memiliki pengaruh positif dan signifikan terhadap niat menggunakan kosmetik halal, namun pengaruh tersebut termasuk lemah.