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All Journal JURNAL ECONOMIA EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Community Development Journal: Jurnal Pengabdian Masyarakat Journal of Research in Social Science and Humanities IIJSE Danadyaksa: Post Modern Economy Journal
Joko Susilo
Universitas Muhammadiyah Pontianak
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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The Mediating Role of Fintech in the Effects of Financial Literacy and Financial Behavior on Consumptive Behavior Among Generation Z University Students in Sintang Amalia Nur Sabilla; Yasir Hudzaifah; Joko Susilo
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10756

Abstract

The development of financial technology (fintech) has transformed transaction and consumption patterns, particularly among Generation Z students who are highly engaged with digital technology. This study aims to examine the influence of financial literacy and financial behavior on consumptive behavior, with financial technology serving as a mediating variable among Generation Z students in Sintang Regency. A quantitative approach was employed using a sample of 100 respondents selected through proportionate stratified random sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0 software. The findings reveal that financial literacy does not significantly affect consumptive behavior. In contrast, financial behavior and financial technology have positive and significant effects on consumptive behavior. Furthermore, financial technology significantly mediates the relationship between financial literacy, financial behavior, and consumptive behavior among Generation Z students in Sintang Regency.
Marketing Strategies for Halal Skincare: Encouraging Repurchase through Digital Engagement Yasir Hudzaifah; Wulan Purnama Sari; Joko Susilo; Putri Handayani
Jurnal Economia Vol. 22 No. 3 (2026): October 2026
Publisher : Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/economia.v22i3.83917

Abstract

This study examines the effects of Halal Label, Electronic Word of Mouth (e-WOM), Social Media Marketing (SMM), and Brand Image on Repurchase Intention toward halal skincare and cosmetics in Pontianak, with Brand Image serving as a mediator. An SEM analysis of 200 respondents using SEM with SmartPLS 3.2.9 indicates that Halal Label, e-WOM, and SMM significantly affect Repurchase Intention. While SMM enhances Brand Image, e-WOM and Halal Label do not. SMM indirectly increases Repurchase Intention through Brand Image, but e-WOM and Halal Label do not show significant indirect effects. Although Brand Image does not directly influence Repurchase Intention, SMM effectively boosts it by enhancing Brand Image. The study highlights the importance of effective SMM and positive e-WOM in increasing repurchase intentions for halal products, emphasizing the need to improve Brand Image quality for maximum impact and aiding in the development of targeted marketing strategies in the local market.
Co-Authors Amalia Nur Sabilla Dhafa Alvin Suhendra Abirama Ega Lestari Erga Ofiananda Pratama Putri Handayani Ravinazan Ravinazan Ripa Sriyanti Tia Kristiyani Windi Rika Julitia Wulan Lestari Wulan Purnama Sari Yasir Hudzaifah Yasir Hudzaifah Yudi Pandra