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All Journal Jurnal Ilmiah Manajemen Kesatuan Indonesian Journal of Muhammadiyah Studies (ijmus)
Mumtaz, Ni'am Al
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Religion Economics, Econometrics & Finance Education Social Sciences Other

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Exploring Muslim Gen Z’s Financial Behavior: Roles of Islamic Literacy, Emotion Coping, and Self-Efficacy Widyastuti, Emy; Mumtaz, Ni'am Al; Zahra, Karima
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3760

Abstract

The increasing complexity of modern life has made effective financial management an urgent challenge. This condition is particularly evident among Generation Z, who are vulnerable to consumptive behavior and instant lifestyle trends. This study explores and analyzes financial management behavior determinants through Islamic financial literacy and emotional coping involving financial self-efficacy as a moderating factor. The study was implemented in Salatiga using a quantitative approach. Questionnaires were distributed to obtain accurate primary data. The target population is Muslim Generation Z and, domiciled in Salatiga. The sample will be taken using a purposive sampling technique, and 100 respondents will be selected to obtain a representative sample. The findings through Structural Equation Modeling (SEM) PLS explain that Islamic financial literacy and emotional coping significantly contribute to improving good financial management in Muslim Gen Z. However, self-confidence depicted through financial self-efficacy is not enough to encourage a Muslim's financial literacy to manage their finances. Financial management for Muslim Gen Z will be influenced by their financial literacy, which is driven by self-efficacy. These findings contribute to the development of literature on financial behavior involving factors in the context of Islamic finance along with emotional factors, which are currently rarely studied.
Akad pembiayaan murabahah dalam perspektif ekonomi islam Mumtaz, Ni'am Al
Indonesian Journal of Muhammadiyah Studies (IJMUS) Vol. 2 No. 2 (2021): Indonesian Journal of Muhammadiyah Studies
Publisher : Majelis Pembinaan Kader Sumber Daya Insani Pimpinan Daerah Muhammadiyah Kota Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62289/ijmus.v2i2.29

Abstract

Akad pembiayaan murabahah menjadi produk keuangan syariah yang sangat berpotensi untuk terus dikembangkan dan bersaing secara langsung dengan produk kredit perbankan konvensional. Model transaksi jual beli dengan menyebutkan harga perolehannya meningkatkan transparansi dalam bermuamalah sehingga menjadi daya tarik bagi pembeli atau nasabah. Risiko dari murabahah dianggap lebih bisa dikendalikan daripada akad pembiayaan yang berbasis profit/loss sharing. Tata cara pengembabalian pembayaran yang ditentukan di depan secara pasti sehingga bank syariah bisa memprediksi perolehan laba masa depan. Imam empat madzhab dalam fikih telah membahas akad murabahah sehingga tidak ditemukan keraguan untuk menjadikannya sebagai salah satu transaksi yang sesuai dengan syariat Islam. Tulisan ini bermaksud untuk mengkaji praktik akad pembiayaan dalam perspektif Islam khususnya pandangan Imam empat madzhab yang dikaitkan dengan fenomena murabahah di lembaga keuangan syariah.
Co-Authors Widyastuti, Emy Zahra, Karima