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All Journal Optimal: Jurnal Ekonomi dan Manajemen
Rini Elvira
Universitas Sjech M.Djamil Djambek Bukittinggi

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Generation Z Consumption Behavior in the Sharia Economy: Halal Lifestyle Trends and Sharia Fintech Transformation in Indonesia Yandrizal Yandrizal; Syerly Lia Azharah; Mayherlina Mayherlina; Anisa Kamila Sari; Rini Elvira
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 1 (2026): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i1.9703

Abstract

The development of the digital economy has changed the consumption landscape of Indonesian society, especially among Generation Z, who are very familiar with technology and social media culture. Interest in halal products, Islamic financial services, and spiritual lifestyles shows a positive trend. However, at the same time, digital convenience presents new challenges in the form of impulsive consumption, hedonistic behavior, and increased use of paylater facilities that potentially contain elements of usury. This study analyzes the consumption behavior of Generation Z through the perspective of Islamic economics, utilizing the theory of halal-thayyib consumption, the principle of moderation, maqaṣid al-syari‘ah, and fiqh rules in assessing the economic behavior of the younger generation. Through a qualitative approach based on literature review, this study found that Generation Z has two tendencies: first, awareness of halal products, sustainability, and consumption ethics; second, vulnerability to consumerism due to digital culture. The study concludes that Islamic financial literacy strategies, strengthening the Islamic fintech ecosystem, and public policies based on justice and maslahah are needed so that Generation Z's consumption behavior is in line with Islamic values.
Pengaruh Pembangunan Jalan dan Teknologi terhadap Produktivitas Ekonomi Masyarakat di Kecamatan Batahan Kabupaten Mandailing Natal Zuhriatul Kumuliyah; Era Sonita; Rini Elvira; Amsah Hendra Doni
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 6 No. 1 (2026): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v6i1.9704

Abstract

This research is motivated by the level of economic productivity of MSMEs in Batahan District, Mandailing Natal Regency. Is there an increase or decrease in the economy with the construction of roads and the use of technology at this time. This research is a quantitative research with a descriptive approach. The type of data used in this study is primary data sources directly from the community through filling out questionnaires. The data analysis techniques used are validity tests, reliability, classical assumption tests, multiple linear regression tests and hypothesis tests. Based on the results of the analysis carried out using SPSS 26, the results obtained are (1) Based on the results of the hypothesis testing analysis, the T count value (0.188) <T table (1.882) and sig (0.0851)> 0.05. (2) Based on the results of the hypothesis testing analysis, the T count value (0.5897)> T table (1.882) and sig (0.000)<0.05. (3) Based on the results of the hypothesis testing analysis, the calculated F value (22.513) > F table (3.080) and sig (0.000) <0.05 (4) The results of the determination coefficient test show that the value obtained for the percentage of diversity in economic productivity variables that can be explained by road construction and technology variables is 29.6%, while the remaining 80.4% is explained by other factors that were not examined in this study.
Co-Authors Amsah Hendra Doni Anisa Kamila Sari Era Sonita Mayherlina Mayherlina Syerly Lia Azharah Yandrizal Yandrizal Zuhriatul Kumuliyah