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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JES (Jurnal Ekonomi Syariah Ekodestinasi : Jurnal Ekonomi, Bisnis, dan Pariwisata JSE: Jurnal Sharia Economica At-Thariqah Jurnal Ekonomi Jurihum
Herlina Yustati
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Social Sciences Other

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Pengaruh Literasi Keuangan Syariah, Teknologi Finansial Berbasis E-Wallet, dan Gaya Hidup Halal, Terhadap perilaku konsumsi Islami pada Generasi Z di Kota Bengkulu Nanda Puspitasari; Herlina Yustati; Khozin Zaki
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30307

Abstract

This study aims to determine the effect of Islamic financial literacy, e-wallet-based financial technology, and halal lifestyle on Islamic consumption behavior among Generation Z in Bengkulu City. The background of this study is based on the many recent phenomena related to consumption behavior, including impulsive shopping, where some individuals, especially Generation Z, tend to buy goods excessively through online shopping due to the temptation of discounts or flash sales even though the goods are not necessarily needed. The data obtained from this study comes from a questionnaire that has been distributed to Generation Z in Bengkulu City who have used E-wallet. The sample was taken using a purposive sampling technique. This study uses a quantitative method using d3escriptive statistical analysis, validity tests, reliability tests, classical assumption tests, linearity tests, multiple linear regression analysis, and hypothesis testing. The results of this study indicate that the variables of Islamic financial literacy and halal lifestyle have a positive and significant relationship with Islamic consumption behavior among Generation Z in Bengkulu City, while E-wallet-based Financial Technology does not have a significant influence on Islamic consumption behavior among Generation Z in Bengkulu City
Edukasi Menuju Kesadaran Berhaji dan Umrah: Upaya Meningkatkan Pemahaman Masyarakat Desa Pajar Bulan Kecamatan Kedurang Kabupaten Bengkulu Selatan Lila Peptiana; Khairiah Elwardah; Herlina Yustati
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30402

Abstract

Pengabdian ini bertujuan untuk meningkatkan pemahama dan kesadaran masyarakat Desa Pajar Bulan, Kecamatan Kedurang, Kabupaten Bengkulu Selatan mengenai ibadah haji dan umrah. Latar belakang kegiatan ini didasarkan rendahnya pemahaman Masyarakat. Kegiatan ini Menggunakan metode Community-Based Research (CBR) yang melibatkan masyarakat secara aktif mulai dari identifikasi masalah, perencanaan kerjasama dengan Travel Haji dan Umrah PT Sianok Indah Holiday, pelaksanaan dengan peserta 20 orang dan evaluasi kegiatan. Hasil kegiatan menunjukkan bahwa 88% peserta memahami perbedaan rukun dan ketentuan ibadah haji dan umrah, meningkatnya motivasi spiritual masyarakat, serta adanya warga yang mulai mendaftar umrah setelah mengikuti kegiatan. Selain itu masyarakat menjadi lebih selektif dalam memilih biro perjalanan dan memahami pentingnya kesiapan spiritual, finansial, dan kesehatan. Kegiatan ini berhasil memberikan dampak positif terhadap peningkatan pengetahuan, literasi keagamaan, serta kesiapan masyarakat dalam melaksanakan ibadah haji dan umrah secara benar, aman, dan sesuai syariat.
Pengaruh Influencer dan Religiusitas Terhadap Brand Switching Behavior pada Generasi Z di Kota Bengkulu Niken Oktavia; Herlina Yustati; Badaruddin Nurhab
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30653

Abstract

The development of social media has increased the role of influencers in shaping Generation Z’s consumption behavior, particularly in the highly competitive cosmetics industry. On the other hand, religiosity represents a value-based factor that potentially influences consumers’ decisions to engage in brand switching. This study aims to analyze the effects of influencers and religiosity on brand switching behavior among Generation Z in Bengkulu City, both partially and simultaneously. The study adopts a quantitative approach with a causal associative research design. Data were collected through questionnaires distributed to 100 Generation Z respondents and analyzed using multiple linear regression with the assistance of SPSS version 18.The results indicate that influencers have a positive and significant effect on brand switching behavior. Religiosity also has a positive and significant effect on brand switching behavior. Simultaneously, influencers and religiosity significantly influence brand switching behavior, with an Adjusted R Square value of 42.3%. These findings suggest that brand switching behavior among Generation Z is influenced not only by digital social factors but also by religious value considerations such as halal awareness and ethical consumption. The results of this study are expected to serve as a reference for formulating marketing strategies that align with the characteristics and values of Generation Z.
Pengaruh Green Recruitment, Green Development dan Green Employee Relations Terhadap Employee Engagement pada Bank Syariah Nasional (BSN) Kantor Cabang Bengkulu Heni Nurlara; Herlina Yustati; Miko Polindi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 1 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i1.30908

Abstract

This study aims to analyze the influence of Green Recruitment, Green Development, and Green Employee Relations on Employee Engagement at the National Sharia Bank (BSN) Bengkulu Branch Office, while raising the issue of the importance of integrating sustainability values ​​in strengthening employee engagement. The study uses associative research with a quantitative approach. The population in this study were all 39 employees, with a saturated sampling technique so that the entire population was used as a sample. Data were collected through distributing questionnaires using a Likert scale and analyzed using multiple linear regression with the help of SPSS. The results of the study indicate that each variable Green Recruitment, Green Development, and Green Employee Relations partially influences Employee Engagement. Simultaneously, the three variables have a positive and significant effect on Employee Engagement with a significance value of <0.05. The coefficient of determination (R²) value of 0.674 indicates that 67.4% of the variation in Employee Engagement can be explained by the three independent variables, while the rest is influenced by other variables outside the research model. These findings confirm that strengthening sustainability-based Green Human Resource Management practices plays a strategic role in increasing engagement, loyalty, and work enthusiasm of Islamic banking employees.
Determinan Perilaku Konsumtif Generasi Z Muslim di Era Digital Okta Febriansyah; Herlina Yustati; Eeng Juli Efrianto
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31300

Abstract

This study aims to analyze the various determinants of consumer behavior among Generation Z Muslims in Pagar Dewa Village, Bengkulu City. The variables tested as determinants in this study include hedonic lifestyle, self-control, and peer environment. The method used was a quantitative approach with a causal associative research approach. Primary data were collected through questionnaires from a sample of 2,836 people using quota sampling. Data analysis was performed using multiple linear regression using SPSS version 29 software. The results showed that partially, hedonic lifestyle and peer environment were determinants with a positive and significant influence on consumer behavior. However, self-control was found to have a significant positive influence, thus disproving the initial assumption that self-control was a negative determinant of consumer behavior. Simultaneously, these three variables were significant determinants influencing consumer behavior, contributing 47.1%.
Eksplorasi Implementasi Nilai-Nilai Islam dalam Praktik Ekonomi Berkelanjutan pada Peternakan Ikan Lele BUMDes Naga Rantai Harlin Muhamat Wahyu; Herlina Yustati; Esti Alfiah
Ekodestinasi Vol. 4 No. 1 (2026): EKODESTINASI: Jurnal Ekonomi, Bisnis, dan Pariwisata
Publisher : CV Global Research Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59996/ekodestinasi.v4i1.1139

Abstract

This study aims to explore the application of Islamic values in the operations of BUMDes Naga Rantai's catfish farming and their contribution to village economic sustainability. Utilizing a descriptive qualitative method with a case study approach, data were gathered through in-depth interviews, direct observations, and documentation from BUMDes management, workers, and village officials, then analyzed using triangulation techniques. The results indicate that the integration of four key indicators—Tawhid, Khalifah (Amanah), Prohibition of Riba/Gharar, and Justice—has been successfully implemented within the business unit. Tawhid and Khalifah are manifested through ecological responsibility, including feed efficiency and waste management using decomposer bacteria within a circular economy model. Meanwhile, the prohibition of riba/gharar and justice are applied through transparent transaction systems, accurate product weighing, and fair wages for local workers. The internalization of these values contributes significantly as moral guidelines and operational SOPs, effectively mitigating environmental risks and business fraud while sustainably reinforcing village economic independence.
Pengaruh Fomo, Review Konten Kreator, dan Live Shopping terhadap Perilaku Konsumtif Generasi Z Muslim Pengguna Tiktok Radiah Aszahrah; Herlina Yustati; Esti Alfiah
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1230

Abstract

Abstract: The rapid development of digital technology and social media, especially TikTok, has significantly influenced the consumer behavior of Generation Z. Psychological factors such as FOMO, as well as social media features such as Content Creator Reviews and Live Shopping have become important factors that encourage individuals to make unplanned purchases, which have the potential to cause consumer behavior. This study aims to determine the effect of FOMO, content creator reviews, and live shopping on the consumer behavior of Muslim Generation Z TikTok users in Bengkulu City. This study uses a quantitative approach with an associative research type. Data analysis was carried out through validity and reliability tests, classical assumption tests, and linear multiple regression analysis. Hypothesis testing used t-test, F-test, and coefficient of determination using SPSS 27 software. The number of samples in this study was 100 respondents, with data collected through a Likert-based questionnaire. The results showed that FOMO, content creator reviews, and live shopping had a positive and significant effect on consumer behavior. Simultaneously, the three independent variables significantly influenced consumer behavior, contributing 85.2% (R² = 0.852), while the remaining 14.8% was influenced by factors outside the research model. These findings highlight the crucial role of digital factors and social media in shaping the consumption patterns of Generation Z Muslims.     Keywords: FOMO; content creator review; live shopping; consumptive behavior; Generation Z.
Pengaruh Pemahaman Ekonomi Islam, Literasi Keuangan Syariah dan Kecerdasan Emosional Terhadap Perilaku Konsumtif Elvina Triya Rahmahnusiya; Herlina Yustati; Citra Liza
JES (Jurnal Ekonomi Syariah) Vol. 11 No. 1 (2026): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v11i1.1231

Abstract

This study aims to analyze the influence of Islamic economic understanding, Islamic financial literacy, and emotional intelligence on the consumer behavior of Islamic Economics students in Bengkulu City. The method used was a quantitative approach with a causal associative research approach. Data analysis was conducted through validity and reliability tests, classical assumption tests, and multiple linear regression analysis. Hypothesis testing used t-tests, F-tests, and coefficients of determination using SPSS 27 software. The sample size in this study was 95 respondents, with data collected through a Likert-based questionnaire. The results showed that Islamic economic understanding, Islamic financial literacy, and intelligence had a negative and significant effect on consumer behavior. Simultaneously, the three independent variables significantly influenced consumer behavior, contributing 49.6% (R' = 0.496), while the remaining influence was attributed to factors outside the research model.
Co-Authors Andi Harpepen Anwar Junaidi Badaruddin Nurhab Citra Liza Dafta Zatiwa Desi Isnaini Destin Rosmaya Situmorang Dewi fatimah Dewi Khayyirah Novrianti Dien Fitra Sandi Dimas Saputra Eeng Juli Efrianto Elvina Triya Rahmahnusiya Engga Devis Saputri Esti Alfiah Gio Fitra Jaya Harlin Muhamat Wahyu Heni Nurlara Khairiah Elwardah Khozin Zaki Leci Seftiani Lila Peptiana Miko Polindi Nanda Puspitasari Niken Oktavia Nurul Hak Okta Febriansyah Radiah Aszahrah Resti Agustiya Rike Susanti Tassha Saskia Yetti Afrida Indra Yeza Septiana Yossy Arisandy Zahara Khairunnisa