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All Journal El Dinar YUME : Journal of Management Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit
Fachrudin, Kurniawan Ali
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Humanities Economics, Econometrics & Finance Health Professions Social Sciences Other

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Journal : el dinar

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BLURRED LINES: HOW GENERATION Z IN INDONESIA PERCEIVES ISLAMIC AND CONVENTIONAL BANKING AS IDENTICAL SYSTEMS Hamdi, Muhammad; Fachrudin, Kurniawan Ali
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 14, No 1 (2026): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v14i1.36530

Abstract

This study investigates systematic misconceptions among Generation Z based on gender. Using a mixed-methods approach, data were collected from 303 Generation Z participants in Yogyakarta, Indonesia. Data were collected through focus group discussions and structured surveys, which were analyzed using exploratory factor analysis (EFA) and reliability testing. The results indicate that the dominant factor exposed from this misconception is perceived banking convergence. Furthermore, the level of understanding among males shows higher values compared to females, particularly for the indicators of shariah home financing, shariah deposits, business loans, banking objectives, and fund management, which have the largest value gaps. Islamic banking institutions need to design more gender-segmented education and communication strategies, with a special emphasis on clarifying the differences in principles and product mechanisms. In addition, institutions need to develop more practical financial literacy campaigns to enhance Generation Z's substantive understanding of the value of Islamic banking.
Co-Authors Alia Ariesanti Barata, Budi Hamdi, Muhammad Lestari, Putri Indah Sari, Yuwanti Kurnia Wijanarko, Toni Nur Yasfi, Muhammad