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All Journal Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Jurnal Ekonomi, Bisnis dan Manajemen
Emily Nur Saidy
Institut Agama Islam Negeri Parepare
Economics, Econometrics & Finance

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Literasi Keuangan Syariah dan Gaya Hidup Konsumtif: Studi Pengelolaan Keuangan Gen-Z Parepare Ghufran Januar; Emily Nur Saidy; Besse Faradiba; Multazam Mansyur Addury
MARGIN ECO Vol. 10 No. 1 (2026): Margin Eco: Jurnal Ekonomi dan Perkembangan Bisnis
Publisher : LPPM Universitas KH A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/margineco.v10i1.7176

Abstract

Generation Z is vulnerable to financial management issues due to trends in consumerist lifestyles, making it crucial to study financial literacy grounded in Sharia principles. The objective of this research is to analyze the influence of Sharia financial literacy and consumerist lifestyles on the financial management behavior of Generation Z in the city of Parepare. This study employs a quantitative approach with a total sample of 100 Generation Z respondents aged 18 and older. The sample size will be determined using the Slovin formula, and primary data will be collected by distributing questionnaires. The data will be analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) via the SmartPLS software. The research findings demonstrate that Islamic financial literacy has a significant positive effect on financial management behavior, with a T-Statistic of 8.491 and a P-Value of <0.001. Conversely, a consumerist lifestyle has a significant negative effect, with a T-Statistic of 5.411 and a P-Value of <0.001. Simultaneously, both independent variables were found to have a significant effect, with an R² value of 0.553. This indicates that the model’s predictive power—or the proportion of variance in financial management behavior explained by the two independent variables—is 55.3%. It is concluded that improving understanding of Islamic financial literacy, accompanied by control over a consumerist lifestyle, is a key factor for Generation Z in developing healthy financial management behaviors that are in accordance with Islamic law.
Determinasi Profitabilitas Perusahaan Properti dan Real estate dalam Daftar Efek Syariah: Peran Net Profit Margin dan Firm size Nur Mohammad Rahmat; Emily Nur Saidy; Nurfadhilah Nurfadhilah; Nur Hishaly GH; Arwin Arwin
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 5 No. 3 (2026): Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v5i3.4616

Abstract

This study aims to analyze the effect of Net Profit Margin (NPM) and company size on profitability, proxied by Return on Assets (ROA), in properti and real estate companies listed on the Sharia Securities List (DES) for the 2025 period. The study uses a quantitative approach with secondary data obtained from the company's financial statements. The sample was determined through a saturated sampling method (census) which resulted in 70 observation data because all population members met the research criteria. Data analysis was performed using multiple linear regression analysis based on rank transformation (Rank Transformation Regression) with the help of IBM SPSS. The results show that the NPM ranking has a positive and significant effect on the profitability ranking with a significance value of 0.000 < 0.05. The company size ranking also has a positive and significant effect on the profitability ranking with a significance value of 0.042 < 0.05. Simultaneously, the NPM ranking and company size have a significant effect on the profitability ranking with a significance value of 0.000 < 0.05 and a coefficient of determination of 85.2%. These findings indicate that the efficiency of profit position and asset capacity are important factors in increasing company profitability. The research findings support Signaling Theory and Resource-Based Theory in the context of competitive market advantage. These findings are expected to contribute to the development of Islamic financial management literature and provide practical considerations for companies and investors.
Co-Authors Arwin Ghufran Januar M.M, Besse Faradiba Multazam Mansyur Addury Nur Hishaly GH Nur Mohammad Rahmat Nurfadhilah, Nurfadhilah