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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Kharaj: Journal of Islamic Economic and Business JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Trending: Jurnal Manajemen dan Ekonomi Jurnal Riset Akuntansi Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Tashdiq: Jurnal Kajian Agama dan Dakwah Jurnal Kajian Islam dan Sosial Keagamaan
Ahmad Perdana Indra
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Challenges and Opportunities for Developing Innovative Sharia Financial Products at Bank Syariah Indonesia, Cemara Asri Branch Anisah Cyntia Dewi Pratama; Tuti Anggraini; Ahmad Perdana Indra
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2811

Abstract

This study aims to The opportunities and challenges of creating cutting-edge Islamic financial products at Bank Syariah Indonesia (BSI) KCP Cemara Asri are examined in this study. Interviews, observations, and document analysis are the methods used to gather data for the qualitative research approach. The results of the study indicate that the main challenges in developing sharia financial products include limited sharia financial literacy in the community, complex regulations, competition with conventional financial products, and limited technological and innovation resources. However, there are great opportunities for BSI KCP Cemara Asri to develop innovative sharia financial products, including increasing public awareness of the sharia economy, government support in strengthening sharia financial regulations, and technological advances that enable the digitalization of banking services. Strategies that can be implemented include increasing sharia financial literacy, optimizing digital technology in product development, and strengthening collaboration with various parties, including sharia fintech. By overcoming existing challenges and using available opportunities, BSI KCP Cemara Asri can increase competitiveness and provide more inclusive and innovative sharia financial solutions for the community.
Analisis Pengaruh Self-reward Lifestyle, Perilaku Shopaholic, dan Fear Of Missing Out (FOMO) terhadap Pola Belanja Konsumtif dan Pengelolaan Keuangan Generasi Z Widiya Indah Lestari; Nur Ahmadi Bi Rahmani; Ahmad Perdana Indra
Jurnal Riset Akuntansi Vol. 4 No. 2 (2026): May: Jurnal Riset Akuntansi
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jura-itb.v4i2.3852

Abstract

 The development of digital technology and social media has driven changes in Generation Z's consumption behavior, particularly through self-reward lifestyle, shopaholic behavior, and Fear of Missing Out (FOMO). These three factors have the potential to increase consumptive spending patterns and decrease the quality of financial management. This study aims to analyze the influence of self-reward lifestyle, shopaholic behavior, and FOMO on consumptive spending patterns and financial management of Generation Z. This study uses a quantitative method with a causality approach. The research sample consisted of 152 Generation Z students majoring in Islamic Banking at UIN North Sumatra who were selected using the Slovin formula. Data were collected through a Likert scale questionnaire and analyzed using multiple linear regression with the help of IBM SPSS 26. The results showed that self-reward lifestyle, shopaholic behavior, and FOMO have a positive and significant effect on consumptive spending patterns. In addition, the third variable also has a negative and significant effect on Generation Z's financial management. These findings emphasize the importance of controlling consumptive behavior and increasing financial literacy to create more rational and sustainable financial management.
Co-Authors Anisah Cyntia Dewi Pratama Astri Astri Ayu Lestari Batu Bara, Nazryva Nur Muthia Dimas Ardiansyah Erlina Erlina Fadhila Audi Ubay Hilwatun Nawrah Jannah, Nurul M. Rizky Muhammad Alwan Atha Muhammad Choir Rivaldi Muhammad Lathief Ilhamy Nasution Muzakkir Muzakkir NUR AHMADI BI RAHMANI Okky Budi Nurlita Putri Adinda Putri Shakinah Qorry Prananda Aulia Rizka Dwi Rahmadayana Tantery Chandrika Sari Tuti Anggraini Vira Yuniar Widiya Indah Lestari Zernita Sari Ritonga