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All Journal I-Finance Journal MANAJEMEN DEWANTARA
Muhammad Rijalul Abror Al-Ma’ruf
Unknown Affiliation
Economics, Econometrics & Finance

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DYNAMICS OF GENERATION Z SHARIA INVESTMENT DECISIONS : THE ROLE OF FINANCIAL LITERACY, INFLUENCERS, SOCIAL MEDIA AND RELIGIOSITY Muhammad Rijalul Abror Al-Ma’ruf; Lailatul Qadariyah
I-Finance Journal Vol 10 No 2 (2024): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/jpqc1v95

Abstract

This research aims to identify the factors that influence Generation Z participation in Islamic investing. Given the significant increase of Islamic investors this study seeks to delve deeper into the roles of financial literacy, the influence of influencers and social media, and the aspect of religiosity as considerations in investment decision making. This qualitative research was conducted through in depth interviews with 10 Generation Z individuals in East Java province. The results show that financial literacy serves as the primary foundation in motivating Generation Z to engage in Islamic investing. Additionally, the influence of influencers and social media, as well as the awareness of the importance of managing finances in accordance with Islamic principles, are significant factors. These findings are expected to contribute to enhancing the financial literacy of Generation Z and serve as a basis for developing effective halal campaigns. By understanding the factors influencing Generation Z investment decisions Islamic capital market players can design products and marketing strategies that are suitable for increasing the number of Islamic investors in Indonesia.
ANALISIS PERAN INFORMASI BERITA DAN INFLUENCER DALAM PROSES PENGAMBILAN KEPUTUSAN INVESTASI (STUDI KASUS : INVESTOR KODE BROKER XL) Muhammad Rijalul Abror Al-Ma’ruf; Uswatun Hasanah; Nurita Andriani
MANAJEMEN DEWANTARA Vol 10 No 1 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.21378

Abstract

Intense competition in the sweetened condensed milk industry necessitates a deep understanding of consumer behavior to secure market share. This research addresses the discrepancy between the extensive marketing efforts of Dairy Champ the second largest market player and its suboptimal consumer purchase realization in Pamekasan Regency. The study aims to analyze the influence of marketing mix elements and brand image on purchase decisions within the local market. Utilizing a qualitative case study approach data were collected through semi structured in depth interviews with purposively selected informants and validated using source triangulation. The findings reveal that purchase decisions for Dairy Champ in Pamekasan are driven primarily by economic rationality competitive pricing and ease of access are the decisive factors. Furthermore recommendations from store owners were found to be significantly more effective in establishing consumer trust than mass media advertising. The research concludes that economic incentives and access convenience supersede emotional brand loyalty in this segment. Practically the study suggests that the company should pivot its strategy toward Trade Marketing specifically by strengthening relationships with merchants and conducting direct education to mitigate product quality concerns. An. Hamid This study investigates the successful expansion of BMT Nusantara in Bangkalan Regency which relies on a community-based approach amidst intense financial industry competition. The objective is to analyze the role of Word-of-Mouth (WOM) in marketing strategies and identify the communication processes influencing customer decisions. This research employs a descriptive qualitative method collecting data through in depth interviews, observation and documentation with active customers selected via purposive sampling. The results indicate that customer decisions are dominated by social interaction and validation from religious figures rather than formal promotion. Positive WOM is driven by altruistic motivation and the spirit of Islamic economic advocacy. Conversely instant messaging platforms like WhatsApp serve as effective channels for spreading negative sentiment regarding operational constraints. The study concludes that WOM is not merely a promotional tool but a vital mechanism for social and religious validation essential for the institution's sustainability. Consequently the research recommends implementing Community Influencer Marketing by formally involving religious figures and establishing responsive service recovery management to mitigate digital reputation risks.
Co-Authors LAILATUL QADARIYAH Nurita Andriani USWATUN HASANAH