#4529. Meta-Characteristics of Islamic Ethics and Moral Consistency in Islamic Banking

August 2026publication date
Proposal available till 16-05-2025
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Business, Management and Accounting (miscellaneous);
Social Sciences (miscellaneous);
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Abstract:
This article presents a theory of how the consumption of Islamic products may promote morally consistent behaviour over time. We identify and examine three unique meta-characteristics (MCs) of Islamic ethics: ubudiyah (subservience to God), akhirah (focus on the hereafter or the long-term), and tawado (being modest while doing an ethical act). In four experiments, we show that after consumption of an Islamic banking product, MCs produce moral consistency or repeat ethical behavior, which is one major objective of an ethical system. We also show that the absence of MCs results in moral inconsistency, that is, unethical behavior follows earlier consumption of an Islamic banking product due to the mediating psychological mechanism of moral licensing. The findings have implications for Islamic ethical system and Islamic banking.
Keywords:
ethical consumption; Islamic banking; Islamic ethics; Islamic products; moral consistency; moral licensing

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