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All Journal Jurnal Ekonomika dan Bisnis Islam
Elsa Dwi Rahma
Universitas Negeri Surabaya
Economics, Econometrics & Finance

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Perilaku Konsumtif Generasi Z: Peran Religiusitas, Literasi Keuangan Syariah, Dan Konformitas Teman Sebaya Elsa Dwi Rahma; Clarashinta Canggih
Jurnal Ekonomika dan Bisnis Islam Vol 9 No 2 (2026): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v9n2.p82-100

Abstract

This study analyses the influence of religiosity, Islamic financial literacy and peer conformity on the consumer behaviour of Generation Z in the city of Surabaya, with locus of control as the mediating variable. This study employs a quantitative approach, using data obtained from 260 Generation Z respondents in the city of Surabaya. Data analysis was conducted using the Partial Least Squares Structural Equation Modelling (PLS-SEM) method with SmartPLS 4. The results indicate that religiosity has no effect on consumer behaviour. Sharia financial literacy has a negative effect on consumer behaviour, whilst peer conformity and locus of control have a positive effect on consumer behaviour. Religiosity and Islamic financial literacy have a positive effect on locus of control, whilst peer conformity has no effect on locus of control. Furthermore, locus of control does not mediate the effects of religiosity, Islamic financial literacy, and peer conformity on consumer behaviour.  The findings of this study indicate that improving Islamic financial literacy should be a priority in helping Generation Z make wiser consumption decisions. The ability to weigh up one’s needs and financial circumstances is also important, particularly when faced with peer pressure. This can be supported through Islamic financial education that encourages Generation Z to be more discerning in setting consumption priorities and to consider their alignment with Islamic principles.  
Co-Authors Clarashinta Canggih