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This Author published in this journals
All Journal IIJSE Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Farida Fatmawati
Universitas Muhammadiyah Surabaya, Surabaya, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of Consumer Behavior and Financial Literacy on Financial Satisfaction of the Millennial Generation with Financial Stress Mediation Farida Fatmawati; Rifa'atul Maftuhah; Rahila Amanatul Ummah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

This study analyzes the influence of consumer behavior and financial literacy on financial satisfaction with financial stress as a mediating variable in the millennial generation in Surabaya. The research used a quantitative approach with an explanatory survey through an online questionnaire aimed at millennials aged 29-40 years who are active users of digital financial services. Data analysis was performed using Partial Least Squares- Structural Equation Modeling (PLS-SEM). The results of the study show that consumer behavior has a negative effect on financial satisfaction, while financial literacy has a positive and significant effect. Financial stress acts as a mediator, indicating that impulsive consumption tendencies and low financial capacity can increase psychological stress and decrease an individual's financial well-being. These findings underscore the importance of improving financial literacy and controlling consumer behavior to strengthen millennials' financial satisfaction in the digital era. This research provides practical implications for policy makers and financial institutions in designing more targeted financial education programs.
The Effect of Sharia Financial Literacy on the Interest in Becoming a Customer at KB Bank Syariah Bukopin Darmo Branch Office Farida Fatmawati; Dwi Salma Nabila; Anis Fitriyanti; Yunita Nur Hidayatus
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.618

Abstract

This study examines the influence of Islamic financial literacy on public interest in becoming customers of KB Bank Syariah Bukopin, Darmo Branch. The research was motivated by the low public understanding of Islamic banking products and principles. Using a qualitative case study approach, data were collected through semi-structured interviews, participatory observation, and document analysis. The findings reveal three main themes: (1) understanding Islamic finance concepts enhances confidence in bank products, (2) religiosity-based trust increases transactional security, and (3) service and educational experiences strengthen customer interest. Analysis using the Miles and Huberman interactive model indicates that Islamic financial literacy serves both cognitive and affective roles in influencing customer interest, supported by effective communication and service strategies. The study concludes that Islamic financial literacy not only improves public understanding but also reinforces their intention to choose Islamic banking. Theoretically, this study expands the perspective on Islamic financial literacy by highlighting experiential and value-based dimensions. Practically, it provides insights for Islamic banks, particularly KB Bukopin Syariah, to design more effective educational and marketing strategies. Future research should integrate qualitative and quantitative methods for broader validation.
The Effect of Sharia Financial Literacy on the Interest in Becoming a Customer at KB Bank Syariah Bukopin Darmo Branch Office Farida Fatmawati; Dwi Salma Nabila; Anis Fitriyanti; Yunita Nur Hidayatus
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.618

Abstract

This study examines the influence of Islamic financial literacy on public interest in becoming customers of KB Bank Syariah Bukopin, Darmo Branch. The research was motivated by the low public understanding of Islamic banking products and principles. Using a qualitative case study approach, data were collected through semi-structured interviews, participatory observation, and document analysis. The findings reveal three main themes: (1) understanding Islamic finance concepts enhances confidence in bank products, (2) religiosity-based trust increases transactional security, and (3) service and educational experiences strengthen customer interest. Analysis using the Miles and Huberman interactive model indicates that Islamic financial literacy serves both cognitive and affective roles in influencing customer interest, supported by effective communication and service strategies. The study concludes that Islamic financial literacy not only improves public understanding but also reinforces their intention to choose Islamic banking. Theoretically, this study expands the perspective on Islamic financial literacy by highlighting experiential and value-based dimensions. Practically, it provides insights for Islamic banks, particularly KB Bukopin Syariah, to design more effective educational and marketing strategies. Future research should integrate qualitative and quantitative methods for broader validation.
Co-Authors Anis Fitriyanti Dwi Salma Nabila Rahila Amanatul Ummah Rifa'atul Maftuhah Yunita Nur Hidayatus