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All Journal Izdihar : Jurnal Ekonomi Syariah RESLAJ: Religion Education Social Laa Roiba Journal
Norma Rosyidah
STAI An-Najah Indonesia Mandiri Sidoarjo
Religion Economics, Econometrics & Finance Education Environmental Science Social Sciences

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PENGARUH PERSEPSI, MOTIVASI, DAN PENGETAHUAN PRODUK TERHADAP MINAT MENABUNG DI BANK SYARIAH PADA MASYARAKAT KABUPATEN SIDOARJO Azmiel Habibatul Hazarillah; Norma Rosyidah
Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober
Publisher : Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/izdihar.v3i02.3678

Abstract

Indonesia’s development Banking is increasing from year to year. Since the enactment of Law Number 10 of 1998 which states the existence of a dual banking system and the 2003 MUI fatwa concerning banking interest rates prohibition, this is a strength for Islamic banks to continue to grow. This very significant Islamic banks development is proof that Islamic banks are getting closer to the community. The people of Sidoarjo Regency themselves have their own interest in saving at Islamic banks, whether it is seen from the products they have, their perception of Islamic banks, or the motivation for the community in Sidoarjo Regency to save in Islamic banks. This study is a quantitative study that analyzes the effect of perception, motivation, and product knowledge on interest in saving in Islamic banks. The sample in this study found 71 respondents, namely the people of Sidoarjo Regency who have become customers at Islamic banks. The data obtained were processed using SPPS 23. The results of this study indicate that partially perception, motivation, and product knowledge affect the interest in saving in Islamic banks. Simultaneously perception, motivation, and product knowledge have a significant effect on interest in saving in Islamic banks Keywords: Perception, Motivation, Product knowledge, Interest in saving  
Analisis Pengaruh Gaya Hidup Hedonisme dan Fear of Missing Out (FOMO) terhadap Perilaku Konsumtif dengan Mediasi Etika Konsumsi Islami pada Generasi Z di Sidoarjo Elok Faiqoh; Norma Rosyidah
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 8 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i8.12625

Abstract

The rapid growth of the digital economy in 2025 has significantly changed consumer behavior, especially among Generation Z. Easy access to social media and online shopping platforms has reinforced a hedonistic lifestyle and the Fear of Missing Out (FOMO) phenomenon. This study aims to analyze the influence of a hedonistic lifestyle and FOMO on consumer behavior, with Islamic consumer ethics as an intervening variable among Generation Z in Sidoarjo. This study employed a quantitative approach using a survey method with a questionnaire distributed to 120 respondents. Data were analyzed using Partial Least Squares – Structural Equation Modeling (PLS-SEM). The study's findings revealed that a hedonistic lifestyle and FOMO have a positive and significant influence on consumer behavior. However, when mediated by Islamic consumer ethics, their influence decreases, suggesting that Islamic consumer ethics can act as a moderating and controlling factor for consumerism among young people. This study contributes to the field of Islamic economics by emphasizing the importance of integrating Islamic consumer values ​​to encourage ethical economic behavior in the digital era.
Co-Authors Azmiel Habibatul Hazarillah Elok Faiqoh