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All Journal Jurnal Pendidikan Islam Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review
Fitriani
Institut Agama Islam Negeri Bone
Religion Economics, Econometrics & Finance Social Sciences Other

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The Effect of Digital Services and Sharia Financial Knowledge on Customer Decisions to Use Islamic Banking Products (Study on Generation Z in Watampone) Haslindah S; Muhammad Yamin; Fitriani
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 1 (2025): June
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v5i1.2461

Abstract

This study aims to analyze the effect of digital services, Islamic financial knowledge, and the effect of both simultaneously on Generation Z customers' decisions to use Islamic banking products in Watampone. The background of this research is based on the increasing digitization of financial services and the importance of Islamic financial literacy in supporting financial decisions according to sharia principles. This research uses a quantitative approach with survey method and purposive sampling technique, involving 100 respondents from Generation Z who are Islamic banking customers. Data analysis was conducted using multiple linear regression. The results showed that digital services had no significant effect on customer decisions, while Islamic financial knowledge had a significant effect. Simultaneously, digital services and Islamic financial knowledge have a significant effect on customer decisions. These findings confirm the importance of increasing Islamic financial literacy and the need to optimize digital services in Islamic banking targeting Generation Z.
Cultural Heritage as a Driver of Educational Choices: Evaluating the Role of Bugis Values in the Selection of Islamic Private Schools in Indonesia Muh. Bachtiar Aziz; Fitriani; Nurhasanah R; Achmad Anwar Abidin; Fajri Dwiyama; Mohamad Toha
Nazhruna: Jurnal Pendidikan Islam Vol. 7 No. 3 (2024): Transformative Islamic Education in Pesantren and Madrasah
Publisher : Universitas Pesantren Kh abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/nzh.v7i3.110

Abstract

The decision of parents in Bone, South Sulawesi, to send their children to private Islamic schools is significantly influenced by the integration of religious education and Bugis cultural values, particularly the concept of siri' na pacce. This study aims to examine how Bugis cultural heritage impacts school selection and how private Islamic schools cater to these needs by incorporating programs that reinforce both religious and local values. Using a qualitative approach with a phenomenological design, the research involved in-depth interviews with 15 parents. The results indicate that private Islamic schools are more responsive to parental expectations than public schools, offering a curriculum that blends Bugis religious and cultural education. The study identifies five main factors influencing parents’ decisions: preservation of cultural identity, strengthening religious values, harmonizing modern and traditional education, promoting culture-based character formation, and preparing students for globalization while maintaining cultural roots. Private Islamic schools in Bone have developed educational models that integrate Islamic teachings with local norms (pangngadereng) in response to community needs. This research highlights the importance of cultural heritage in educational decision-making and the role of private institutions in adapting to cultural expectations. The findings offer valuable insights for developing education policies that embrace local wisdom and for creating school management models that respect cultural diversity within Indonesia’s education system.
Co-Authors Anwar Abidin, Achmad FAJRI DWIYAMA Haslindah S Mohamad Toha Muh. Bachtiar Aziz Muhammad Yamin Nurhasanah R