Asep Nur Imam Munandar
Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis, Institut Bisnis Muhammadiyah Bekasi

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Pengaruh Literasi Keuangan Syariah Dan Motivasi Terhadap Tingkat Frugal Living Pada Konsumen Gen Z Di Era Non Tunai Asep Nur Imam Munandar; Deti Nuryaningsih; Puti Khairani Rijadi
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 2 (2025): Juli-Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i2.3644

Abstract

The increasing shift toward non-cash transactions among Generation Z has raised new challenges in maintaining frugal financial behavior aligned with Islamic values. This study aims to analyze the influence of Sharia financial literacy and motivation on the level of frugal living among Muslim Generation Z consumers in Bekasi. Using a quantitative approach with an explanatory research design, data were collected through questionnaires distributed to 96 respondents selected via simple random sampling. The analysis was conducted using SmartPLS with hypothesis testing through the bootstrap resampling method and t-statistics. The findings reveal that the R-square value for frugal living is 0.507, indicating that 50.7% of its variation is explained by Sharia financial literacy and motivation. Sharia financial literacy shows no significant effect on frugal living (p = 0.325; t = 0.984), while motivation demonstrates a highly significant positive effect (p = 0.000; t = 3.970). These results suggest that internal motivation plays a more dominant role than financial literacy in shaping frugal behavior among Generation Z in the non-cash transaction era.
Membongkar Mitos Kepuasan Pelanggan dan Mutu Layanan: Studi Kualitatif Kritis pada Industri Perhotelan di Era Digital Agus Hermawan; Asep Nur Imam Munandar
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 2 (2025): Juli-Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i2.3645

Abstract

This study is motivated by the dominance of the customer satisfaction paradigm that treats service quality as an objective and measurable reality. In the hospitality industry, such a paradigm often produces a myth of satisfaction that conceals the social and emotional dynamics behind service delivery. The research aims to uncover the social construction underlying the myth of customer satisfaction in five-star hotels in the digital era. Using a qualitative approach with critical discourse analysis, the study draws on in-depth interviews, passive participatory observations, and documentation involving management, staff, and guests. The findings reveal four key mechanisms sustaining this myth: the contested meanings of “quality” among stakeholders, the staging of flawless service that masks emotional labor, the illusion of equal treatment that hides guest segmentation, and the ritualization of measurement centered on digital metrics. The study concludes that satisfaction should be viewed as a socially negotiated cultural artifact rather than a mere numerical indicator. These findings enrich critical service management studies and highlight the need to balance performance metrics with employee well-being.