Optimal: Jurnal Ekonomi dan Manajemen
Vol. 6 No. 1 (2026): Jurnal Ekonomi dan Manajemen

Generation Z Consumption Behavior in the Sharia Economy: Halal Lifestyle Trends and Sharia Fintech Transformation in Indonesia

Yandrizal Yandrizal (Universitas Sjech M.Djamil Djambek Bukittinggi)
Syerly Lia Azharah (Universitas Sjech M.Djamil Djambek Bukittinggi)
Mayherlina Mayherlina (Universitas Sjech M.Djamil Djambek Bukittinggi)
Anisa Kamila Sari (Universitas Sjech M.Djamil Djambek Bukittinggi)
Rini Elvira (Universitas Sjech M.Djamil Djambek Bukittinggi)



Article Info

Publish Date
03 Jan 2026

Abstract

The development of the digital economy has changed the consumption landscape of Indonesian society, especially among Generation Z, who are very familiar with technology and social media culture. Interest in halal products, Islamic financial services, and spiritual lifestyles shows a positive trend. However, at the same time, digital convenience presents new challenges in the form of impulsive consumption, hedonistic behavior, and increased use of paylater facilities that potentially contain elements of usury. This study analyzes the consumption behavior of Generation Z through the perspective of Islamic economics, utilizing the theory of halal-thayyib consumption, the principle of moderation, maqaṣid al-syari‘ah, and fiqh rules in assessing the economic behavior of the younger generation. Through a qualitative approach based on literature review, this study found that Generation Z has two tendencies: first, awareness of halal products, sustainability, and consumption ethics; second, vulnerability to consumerism due to digital culture. The study concludes that Islamic financial literacy strategies, strengthening the Islamic fintech ecosystem, and public policies based on justice and maslahah are needed so that Generation Z's consumption behavior is in line with Islamic values.

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Journal Info

Abbrev

optimal

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Description

OPTIMAL: Jurnal Ekonomi dan Manajemen berfokus pada penerbitan artikel berkualitas tinggi yang didedikasikan untuk semua aspek penelitian, masalah, dan perkembangan terbaru di bidang Ilmu Manajemen. Topik dalam Jurnal ini berkaitan dengan aspek apapun dari manajemen, namun tidak terbatas pada topik ...