Mahelan Prabantarikso
Indonesia Banking School

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Exploring Gen Z's Sharia-Compliant Purchasing Behaviour: Structural Impacts of Islamic Marketing, Halal Quality, and Online Shopping Lifestyle Mahelan Prabantarikso; Maria Assumpta Wikantari; Karnawi Kamar; Aat Ruchiat Nugraha; Vita Briliana
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3207

Abstract

The growing halal industry and digital marketplace have reshaped Gen Z consumer behaviour, leading their purchase patterns to blend Islamic values with digital lifestyles. Although existing studies have examined Islamic marketing, product quality, and online consumer behaviour separately, limited research has modelled their combined effects on purchase decisions within a sharia-compliant framework. This study addresses this gap by developing a quantitative model that predicts Generation Z's purchase decisions, with customer satisfaction as the mediating variable. Using a survey-based design, data were collected from 53 Gen Z respondents and analysed using Structural Equation Modelling–Partial Least Squares (SEM–PLS). The study results show that consumer shopping habits significantly influence their level of satisfaction. Product quality has a significant impact on customer satisfaction. Sharia marketing has a substantial impact on customer satisfaction. Shopping lifestyle has a significant impact on purchasing choices. Product quality has a considerable impact on purchasing choices. Sharia marketing has a substantial effect on consumer purchasing decisions. Customer satisfaction significantly affects purchasing decisions. Globally, the study provides empirical evidence supporting the growing relevance of the halal economy and offers insights for policymakers and industries seeking to strengthen consumer trust and competitiveness.
Analysis of The Influence of Digital Banking, Bopo and NPF on Profitability Levels of Sharia Commercial Bank Listiana Sri Mulatsih; Hadi Purnomo; Mahelan Prabantarikso; Sylvia Kartika Dhamayanti; Sunarmi Sunarmi
SENTRALISASI Vol. 13 No. 1 (2024): Sentralisasi
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v13i1.3101

Abstract

This study aims to analyze and examine the factors influencing of digital banking, operating costs to operating income (BOPO) and Non Performance Financing (NPF) on Return on Asset (ROA) in the Islamic Commercial Banks in period 2018-2022. The method of research is using the quantitative and regression analysis. The sample is Islamic Commercial Banks are consistenly publish financial report period 2018-2022 listed on the Indonesia Stock Exchange with a total sample of 3 companies. The sampling technique used a purposive sampling. The data analysed with IBM SPSS version 22 and was carried out by several tests such as validity test, realibility test, classic assumption test, linear regression analysis and coefficient of determination test. The results of this study indicate that the digital banking, BOPO and NPF simultaneously and significantly influence on ROA. The results of the partial test demonstrates that the digital banking and NPF has significant effect on ROA. While BOPO has a negative effect on ROA in the Islamic Commercial Banks in period 2018-2022. This research contributes to Islamic banking in order to make effective financing with results sharing and operational cost efficiency in operating income so that performance can be improve financial performance.