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All Journal EKSPANSI Journal of Applied Islamic Economics and Finance
Pebrianti, Gita Nuralipah
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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URBAN MUSLIM HOUSEHOLDS: HOW SHARIA CONSUMPTION LOYALTY AND SHARIA FINANCIAL LITERACY SHAPE LIFE SATISFACTION Setiawan, Setiawan; Fransiska, Alda Tri; Pebrianti, Gita Nuralipah; Pakpahan, Rosma; Susana, Lina Marlina
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 1 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i1.6535

Abstract

This study aims to analyze the influence of loyalty in Sharia-compliant consumption patterns and sharia financial literacy on the life satisfaction of urban Muslim households in the Greater Bandung area. A quantitative approach was employed, using a survey method through online questionnaires distributed to 160 Muslim households with experience or knowledge related to Sharia-based consumption and finance. The sampling technique used was purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM), which is suitable for complex structural models with moderate sample sizes and non-normally distributed data. The results indicate that both loyalty in Sharia-compliant consumption and sharia financial literacy have a positive and significant effect on the life satisfaction of urban households. These findings highlight the critical role of religious values and Sharia-based financial management capabilities as determinants of subjective well-being among urban Muslim families.
The Influence of Islamic Financial Literacy, Social Environment, and Public Perception on the Interest in Using Islamic Banking Products Pebrianti, Gita Nuralipah; Syarief, Mochamad Edman
Journal of Applied Islamic Economics and Finance Vol. 5 No. 2 (2025): Journal of Applied Islamic Economics and Finance (Februari 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i2.6738

Abstract

This study aims to analyze the influence of Islamic financial literacy, social environment, and public perception on the interest in using Islamic banking products among Muslim communities, particularly Generation Z in the Greater Bandung area. Data was collected through an online questionnaire distributed using a purposive sampling method, resulting in a total of 214 respondents. The data were analyzed using the Structural Equation Modeling (SEM) approach with the WarpPLS application to examine the relationships between the studied variables. The results indicate that Islamic financial literacy, social environment, and public perception significantly influence public interest in using Islamic banking products. These findings contribute significantly to the development of marketing strategies and Islamic financial education, particularly in the Greater Bandung area. The study also recommends enhancing Islamic financial literacy, strengthening the influence of the social environment, and managing positive public perception as strategic steps to expand the market share of Islamic banks in Indonesia.
Co-Authors Fransiska, Alda Tri Pakpahan, Rosma Setiawan Setiawan Susana, Lina Marlina Syarief, Mochamad Edman