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All Journal JSE: Jurnal Sharia Economica Sharia Economic and Management Business Journal (SEMBJ)
Ade Ihwani Harahap
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other

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DAMPAK PENGGUNAAN TIKTOKSHOP TERHADAP GAYA HIDUP PADA GENERASI Z MENURUT PERSPEKTIF EKONOMI ISLAM (Studi Pada Mahasiswa Gen Z di Universitas Islam Negeri Fatmawati Sukarno Bengkulu) Ade Ihwani Harahap; Setiawan, Romi Adetio; Anwar Junaidi
JSE: Jurnal Sharia Economica Vol. 5 No. 1 (2026): Januari
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/469c3k54

Abstract

The development of social commerce through the TikTok platform has changed Generation Z consumption patterns, particularly in their impulsive online shopping behavior. This study aims to analyze the influence of TikTok use on the consumer lifestyle of Generation Z students and its impact on financial management, from an Islamic economic perspective. This study used a quantitative approach with a survey method. Data were obtained from 82 respondents, students from the Faculty of Islamic Economics and Business, Fatmawati Sukarno State Islamic University, Bengkulu, from the class of 2021 who actively use TikTok. Data analysis techniques used validity, reliability, normality tests, and partial t-tests using SPSS. The results showed that TikTok use had a positive and significant effect on the consumer lifestyle of Generation Z students. Furthermore, a consumer lifestyle had a significant effect on student financial management. A consumer lifestyle was also shown to mediate the influence of TikTok use on financial management. From an Islamic economic perspective, these findings indicate that uncontrolled consumer behavior has the potential to conflict with the principles of simplicity and wise wealth management. Therefore, it is necessary to increase Islamic financial literacy so that the use of TikTok Shop remains in line with Islamic values.  
The Role of Financial Literacy in Students in Increasing Interest in Using Mobile Banking Ade Ihwani Harahap; Laila Tri Oktavianti; Muhammad Fikri; Herlina Yustati
Sharia Economic and Management Business Journal (SEMBJ) Vol. 4 No. 1 (2023): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v4i1.1163

Abstract

This study aims to analyze the extent to which the level of financial literacy in college students affects students' interest in using mobile banking. With a better understanding of the factors that influence students' interest in using mobile banking, it can help develop more effective educational and promotional strategies to increase financial literacy and the use of mobile banking among college students. The data in this study were generated from interviews with several students at the Faculty of Economics and Islamic Business, Fatmawati Sukarno State Islamic University Bengkulu. The number of respondents in this study were 20, namely 10 sharia economics study program students, and 10 sharia banking study program students. From the interviews that researchers have conducted, 90% of respondents have used mobile banking in conducting daily transactions. This mobile banking service is also very easy to access using only a cellphone. In addition, the features available in mobile banking also provide comfort and convenience, such as quick access to balances, transferring funds without having to go to the bank, transaction notifications so that users can see funds in or out of the account, and additional security from two-step verification. The ease of use of the features contained in mobile banking is also one of the reasons that many students are interested in using the mobile banking service, because the mobile banking service can be accessed anytime and anywhere.
Co-Authors Anwar Junaidi Herlina Yustati Laila Tri Oktavianti muhammad fikri Setiawan, Romi Adetio