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All Journal Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Sutrisno
Universitas Mohammad Husni Thamrin
Economics, Econometrics & Finance

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Financial Hijrah for Generation Z: Transformation of Mindset, Systems, and Sharia-Based Civilization through the Practitioner Goes to Campus Program with Bank Muamalat Indonesia and Students of the Faculty of Economics and Business, UMHT Murni Parembai; Sutrisno; Danarti Hariani; Neneng Suryani
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 7 No. 1 (2026): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v7i1.3500

Abstract

Significant changes in Generation Z's financial behavior are the result of advances in digital technology. Ease of access to digital financial services, online transactions, and instant loan facilities, on the one hand, provides opportunities for increased financial inclusion, but on the other hand, gives rise to consumptive, wasteful behavior, poor financial planning, and a limited understanding of Sharia-based financial principles. These conditions demand strengthening Sharia financial literacy through a more contextual and applicable approach in higher education environments. This study aims to analyze the concept of Generation Z's financial migration as a transformation of mindset, system, and Sharia-based economic civilization through the Practitioner Goes to Campus program with Bank Muamalat Indonesia for students of the Faculty of Economics and Business, University of Muhammadiyah Yogyakarta (UMHT). This study uses a descriptive qualitative approach with a reflective study method on the implementation of academic activities that integrate lecture theory and practical experience in the Sharia banking industry. The study results show that the Practitioner Goes to Campus program is an effective tool for enhancing students' understanding of the importance of financial migration, which encompasses not only the shift to using Islamic financial products but also changes in mindset, economic behavior, and financial orientation based on Islamic values ​​and financial stability. The presence of practitioners from the Islamic banking industry provides a more contextual, relevant, and relevant learning experience for students.
The Influence of Financial Literacy and Financial Self-Efficacy on the Financial Management Behavior of MSMEs Mediated by Financial Attitude; (A Study of MSMEs in Cibeber District, Cianjur Regency) Muhamad Haki Najili; Sutrisno; Muhammad Gusvarizon
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 7 No. 2 (2026): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v7i2.3890

Abstract

This study aims to analyze the effect of financial literacy and financial self-efficacy on the financial management behavior of Micro, Small, and Medium Enterprises (MSMEs) in Cibeber District, Cianjur Regency, with financial attitude as a mediating variable. The study is motivated by the gap between the financial literacy index (66.46%) and the financial inclusion index (80.51%) of the Indonesian population based on the 2025 SNLIK survey, as well as the limited financial management practices among local MSME actors. This research used a quantitative method with a causal associative approach. A sample of 355 MSME actors was determined using the Slovin formula through a purposive sampling technique. Data were collected using a 5-point Likert-scale questionnaire and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with SmartPLS 3. The results show that financial literacy and financial self-efficacy have a positive and significant effect on both financial attitude and financial management behavior. Financial attitude also has a positive and significant effect on financial management behavior and significantly mediates the effect of financial literacy and financial self-efficacy on financial management behavior. This study recommends strengthening financial literacy education programs and practical mentoring for MSME actors to enhance financial self-efficacy and foster a positive financial attitude, thereby encouraging better and more sustainable financial management behavior.
The Influence of Brand Image and E-WOM on Gen Z's Skincare Purchase Decisions with Customer Trust as a Mediator Silvina Putri Lestari; Sutrisno; Agustinus Yanuar Budhi Heriyanto
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 7 No. 2 (2026): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v7i2.4033

Abstract

The increasingly intense competition in the skincare industry requires businesses to understand the factors that drive purchase decisions among Generation Z. Previous findings on the effects of brand image and electronic word of mouth (e-WOM) on purchase decisions have been inconsistent. This study aims to analyze the effect of brand image and e-WOM on skincare purchase decisions, with customer trust as a mediating variable, among Generation Z in Cianjur Regency. The study used an associative causal quantitative approach with primary data from 160 respondents selected through purposive sampling using a five-point Likert-scale questionnaire. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 3. The results show that brand image has no significant direct effect on purchase decisions (β = 0.126; p = 0.111), whereas e-WOM has a significant effect (β = 0.204; p = 0.017). Brand image and e-WOM significantly affect customer trust, and customer trust significantly affects purchase decisions (β = 0.349; p < 0.001). Customer trust fully mediates the effect of brand image and partially mediates the effect of e-WOM on purchase decisions. Businesses are advised to prioritize building consumer trust through product transparency and credible review management.
Co-Authors Agustinus Yanuar Budhi Heriyanto Danarti Hariani Muhamad Haki Najili Muhammad Gusvarizon Murni Parembai Neneng Suryani Silvina Putri Lestari