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All Journal Ekonomi Bisnis Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri
Rifa'atul Maftuhah
universitas muhammadiyah surabaya
Economics, Econometrics & Finance

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The Effect of Islamic Financial Literacy, Financial Behavior, and Lifestyle on Impulsive Buying Behavior with Self Control as a Mediating Variable in Generation Z Fariski Septiansa; Rifa'atul Maftuhah; Tiara Anindya Virana
Ekonomi Bisnis Vol 30, No 1 (2025): EKONOMI BISNIS MARCH 2025
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v30i1p%p

Abstract

This study aims to examine the influence of Islamic financial literacy, the influence of Islamic financial literacy, financial behavior, and lifestyle on impulsive buying behavior with self-control as a mediating variable in generation Z, with self-control as a mediating variable. The method used is a quantitative approach with the Partial Least Square Structural Equation Modeling (PLS-SEM) technique through the SmartPLS 4.0 application. Data was collected from 250 students of the Sharia Banking, Management, and Accounting Study Program at the University of Muhammadiyah Surabaya. The results of the study show that self-control has a significant effect on financial behavior. However, Islamic financial literacy, financial behavior, and lifestyle do not have a significant effect on impulse buying behavior, either directly or indirectly through self-control. In addition, the entire mediation pathway through self-control is also insignificant. However, Islamic financial literacy shows the direction of a negative relationship with impulsive behavior. The R-square value shows that the model is able to explain 96% of variance in financial behavior, but only 5.4% for impulse buying behavior. These findings emphasize that Generation Z's consumptive behavior is more influenced by emotional and digital factors, so a more contextual, interactive, and appropriate Islamic financial education strategy is needed.
The Effect of Inflation and Economic Growth on Return on Asset (ROA) of Sharia Banks In Indonesia Marsha Meira Albania; Haqiqi Rafsanjani; Rifa'atul Maftuhah
Ekonomi Bisnis Vol 30, No 1 (2025): EKONOMI BISNIS MARCH 2025
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v30i1p31-43

Abstract

The purpose of this study is to examine how inflation and economic expansion affect Indonesian Islamic banks' return on assets (ROA). Time series data from the Central Statistics Agency (BPS), Bank Indonesia, and the Financial Services Authority (OJK) from 2014 to 2023 are used in this analysis. The Vector Error Correction Model (VECM), VECM Estimation, IRF and VD, Stationarity Test, Optimal Lag Test, Stability Test, Cointegration Test, Causality Test are the analysis method employed. With trace statistics and significant, the study's findings indicate a long-term link between the variables according to the Johansen cointegration test. According to the VECM results, economic growth has a positive impact on ROA, while inflation has a negative effect. However, neither effect is statistically significant in the short run. According to IRF research, inflation's effect on ROA is first erratic but eventually tends to be neutral. VD demonstrates that internal factors have a greater impact on ROA fluctuation than either inflation or economic growth.
ISLAMICITY FINANCIAL PERFORMANCE INDEX PADA BANK SYARIAH DI INDONESIA Muhammad Bintang Rifqi Kashfillah; Rifa'atul Maftuhah; Haqiqi Rafsanjani; Shafinar Binti Ismail
Ekonomi Bisnis Vol 30, No 1 (2025): EKONOMI BISNIS MARCH 2025
Publisher : Departemen Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um042v30i1p74-91

Abstract

Penelitian ini bertujuan untuk menguji pengaruh laporan sosial islam (ISR), dewan pengawas syariah (DPS), kinerja keuangan islam (IFPI) pada Bank Syariah melalui rasio pengembalian aset (ROA). Penelitian ini menggunakan metode kuantitatif deskriptif dengan analisis regresi data panel, dengan sampel 7 Bank Umum Syariah yang ada di Indonesia. Penelitian ini menggunakan alat mengolah data statistik berupa aplikasi StataMP 17 untuk menguji pengaruh langsung dan tidak langsung pada Bank Umum Syariah di Indonesia dengan perspektif maqashid syariah. Hasil dari penelitian ini menunjukkan bahwa ISR tidak berpengaruh signifikan terhadap ROA maupun dengan IFPI, dan SSB tidak berpengaruh signifikan dengan ROA dan IFPI. Hal ini juga berlaku dengan ROA yang tidak berpengaruh siginfikan terhadap IFPI. Temuan studi ini bertentangan dengan prinsip-prinsip maqashid syariah, yang menekankan kepatuhan syariah, keadilan, transparansi, dan perlindungan aset. Hal ini dikarenakan kurangnya transparansi dalam mengungkapkan laporan sosial islam kepada para pemangku kepentingan. Dewan Pengawas Syariah dalam menjalankan tugas nya masih belum maksimal, karena rata-rata keanggotaan mereka dibawah 5 orang, yang memiliki pengetahuan fiqh muamalah juga masih minim, dan pelaksanaan rapat hanya sekitar ±14 kali dan yang paling banyak ±50 kali lebih, tapi itu masih belum bisa mempengaruhi laba bank dan pengawasan kinerja. Oleh karena itu, untuk meningkatkan kepercayaan pemangku kepentingan dan menghasilkan kinerja keuangan yang lebih baik dan berkelanjutan, perbankan syariah harus mengoptimalkan pengelolaan aset, memperkuat peran DPS, dan meningkatkan keterbukaan pelaporan sosial. Kata Kunci : Laporan Sosial Islam, Dewan Pengawas Syariah, Rasio Pengembalian Aset, Indeks Kinerja Keuangan Islam
Determinants of Personal Financial Management of the Millennial Generation with Self-Control as Moderation Adinda Azzahra; Rifa'atul Maftuhah; Rahila Ummah
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 11 No. 1 (2026): April 2026
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v11i1.7283

Abstract

The purpose of this study was to examine the influence of financial literacy (X1) and work environment (X2) on the personal financial management (Y1) of Millennials in Surabaya, with self-control (M1) as a moderating factor. The findings indicate that the work environment (X2) has a positive effect on financial management (Y1), and this effect is strengthened by self-control (M1). Financial literacy (X1) has a negative effect on financial management (Y1). Self-control (M1) is unable to moderate (strengthen/weaken) this effect. The research model strongly explains the independent variable (96%), but only explains 5.4% of the variation in personal financial management. The implication is that psychological and cultural factors in the workplace are more influential than financial knowledge for Millennials. A contextual and interactive financial literacy education strategy, accompanied by self-control training, is needed so that knowledge can be applied in managing personal finances.  
Co-Authors Adinda Azzahra Fariski Septiansa Haqiqi Rafsanjani Marsha Meira Albania Muhammad Bintang Rifqi Kashfillah Rahila Ummah Shafinar Binti Ismail Virana, Tiara Anindya