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All Journal Jurnal Ekonomika dan Bisnis Islam
Sulistya Rusgianto
Univeritas Airlangga
Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN DAN PENDAPATAN PERKAPITA TERHADAP KONSUMSI RUMAH TANGGA DI INDONESIA: ANALISIS EKONOMI ISLAM Abd Wahab; Aryadimas Suprayitno; Arva Athallah Susanto; Sulistya Rusgianto
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v8n2.p20-35

Abstract

The decline in people's purchasing power and weakening household consumption growth in recent years pose serious challenges for the Indonesian economy. Financial literacy and income inequality are thought to be factors that influence people's consumption behavior. This study aims to analyze the effect of financial literacy and per capita income on household consumption in Indonesia from an Islamic economic perspective. A quantitative approach was used with panel data regression analysis through the Fixed Effect Estimated Generalized Least Squares (EGLS) model. The data used was secondary data from 34 provinces in Indonesia for the three periods of 2016, 2019, and 2022, sourced from the Financial Services Authority (OJK) and the Central Statistics Agency (BPS). The results of the study show that financial literacy and per capita income have a positive and significant effect on household consumption, which means that the higher the level of literacy and income, the greater the level of consumption. These findings emphasize the importance of improving financial literacy as an effort to strengthen household financial welfare. From an Islamic economic perspective, the results of this study emphasize the importance of fair, balanced, and socially oriented consumption behavior as a manifestation of the implementation of the maqashid sharia principle, which will encourage wiser and more sustainable household financial management.
THE INFLUENCE OF DIGITAL LITERACY AND PERCEPTION OF EASE OF USE ON PURCHASE DECISIONS: ISLAMIC CONSUMPTION ETHICS AS MODERATION Hafshah Afifah Az-Zuhdiyyah; Muhammad Ammar Abdullah; Sulistya Rusgianto
Jurnal Ekonomika dan Bisnis Islam Vol 8 No 2 (2025): Agustus
Publisher : Universitas Negeri Surabaya

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Abstract

This study aims to analyze the influence of digital literacy and perceived ease of use on consumer purchasing decisions on e-commerce platforms, with Islamic consumption ethics as a moderating variable. Digital literacy is considered important because it influences consumers' ability to access and evaluate digital information effectively, while perceived ease of use reflects users' comfort in interacting with the platform. In the context of Muslim consumers, consumption ethics such as halal, fairness, and simplicity are also important considerations in decision-making. This study uses a quantitative approach with a survey method through a Likert scale questionnaire 1–5 to Muslim e-commerce users in Indonesia. The sampling technique used is non-probability sampling with a purposive sampling method of Muslim consumers using e-commerce in Indonesia. The collected data were analyzed using PLS-SEM techniques to test the direct and moderating effects. The results of this study indicate that digital literacy and perceived ease of use have a positive and significant effect on purchasing decisions in e-commerce. However, Islamic consumption ethics is not proven to moderate the relationship between digital literacy and purchasing decisions or between perceived ease of use and purchasing decisions. These findings provide implications for e-commerce players to improve the quality of digital services and also provide input for Muslim consumers to be wiser in utilizing the convenience of digital platforms in accordance with the principles of Islamic consumption ethics.
Co-Authors Abd Wahab Arva Athallah Susanto Aryadimas Suprayitno Hafshah Afifah Az-Zuhdiyyah Muhammad Ammar Abdullah