Putra, Robi Harjoni
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Dampak E-Commerce dan Media Sosial terhadap Perilaku Konsumen di Era Digital Putra, Robi Harjoni; Rozalinda; Nora Zulvianti
Jurnal Riset Ekonomi Syariah Volume 5, No. 2, Desember 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i2.7301

Abstract

Abstract. The rapid growth of e-commerce and social media has significantly transformed consumer behavior patterns in the digital era. This study aims to analyze the extent to which these two factors influence consumerism by focusing on three main aspects: impulsive behavior, israf (extravagance), and tawazun (balance). Employing a quantitative approach, data was collected through a survey involving 100 active internet users. The findings reveal that social media exerts a stronger influence than e-commerce in shaping consumer behavior. The validity and reliability tests of the research instrument indicate Cronbach’s Alpha value of 0.874, signifying a high level of internal consistency. However, the two independent variables account for only 14.9% of the variation in consumer behavior, suggesting that other factors may also play a role and warrant further investigation in future studies. This research highlights the importance of understanding the interconnection between digital technology, ethical consumption, and social responsibility. Practically, the results provide valuable insights for business practitioners and policymakers in formulating ethical and sustainable marketing strategies. Nevertheless, the study is limited by the number of variables examined and its cross-sectional design, which could be expanded through longitudinal research in future explorations. Abstrak. Pesatnya perkembangan e-commerce dan media sosial telah mengubah pola perilaku konsumen dalam konteks era digital. Penelitian ini bertujuan untuk menganalisis sejauh mana kedua faktor tersebut memengaruhi perilaku konsumtif masyarakat dengan menyoroti tiga aspek utama, yaitu perilaku impulsif, israf (pemborosan), dan tawazun (keseimbangan). Penelitian ini menggunakan pendekatan kuantitatif dengan pengumpulan data melalui survei yang melibatkan 100 responden pengguna internet aktif. Hasil penelitian menunjukkan bahwa media sosial memiliki pengaruh yang lebih dominan dibandingkan e-commerce dalam membentuk perilaku konsumtif masyarakat. Hasil uji validitas dan reliabilitas instrumen menunjukkan nilai Cronbach’s Alpha sebesar 0,874, yang mengindikasikan tingkat konsistensi internal yang baik. Walaupun begitu, kedua variabel independen hanya menjelaskan 14,9% variasi perilaku konsumen, sehingga masih terdapat faktor lain yang berpengaruh dan perlu dikaji lebih lanjut dalam penelitian berikutnya. Penelitian ini menegaskan pentingnya memahami hubungan antara teknologi digital, etika konsumsi, serta tanggung jawab sosial. Secara praktis, temuan ini dapat menjadi acuan bagi pelaku bisnis dan pembuat kebijakan dalam merancang strategi pemasaran yang etis dan berkelanjutan. Adapun keterbatasan penelitian mencakup jumlah variabel yang terbatas dan desain cross-sectional yang perlu dikembangkan melalui penelitian longitudinal di masa depan.
Islamic Financial Literacy and Household Financial Behavior in the Digital Era: A Conceptual Synthesis of Contemporary Literature Efendi, Erizal Candra; Putra, Robi Harjoni; Mustika, Ruri; Hadi, Wildan; Juniyanti Hsb, Hafni
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16020

Abstract

This study aims to synthesize contemporary literature on Islamic financial literacy and its relationship with household financial behavior in the digital era. Employing a qualitative library research design, this study systematically reviews peer-reviewed journal articles, academic books, and institutional reports published over the last decade. Data were collected through structured searches of major academic databases and analyzed using qualitative content analysis, including thematic coding, categorization, and comparative synthesis. The findings indicate that Islamic financial literacy is a multidimensional construct encompassing cognitive understanding of Sharia-based financial principles, financial management skills, and ethical orientations. Higher literacy levels are associated with more structured household financial practices, such as disciplined budgeting, saving orientation, and cautious engagement with digital Islamic financial services. Furthermore, digital financial environments significantly influence household financial decision-making and access to information. This study proposes an integrative conceptual framework linking Islamic financial literacy dimensions with household financial behavior through cognitive, ethical, and behavioral mechanisms. The findings contribute to clarifying the role of Islamic financial literacy in digital financial contexts and provide theoretical insights for future empirical research. Practically, this study offers policy-relevant implications for designing effective financial literacy initiatives aimed at enhancing financial resilience and sustainable financial practices among Muslim households in the digital era