The Influence of Islamic Financial Literacy, Self-Control, Social Media, and Digital Payments on The Consumptive Behavior of Muslim Generation Z in Tasikmalaya
Article Sidebar
Main Article Content
Abstract
Purpose–This study aims to determine the effect of Islamic financial literacy, self-control, social media and digital payments on the consumptive behavior of Generation Z Muslims in Tasikmalaya City.
Design/methodology/approach– This research uses a quantitative approach. The method used in this research is the Structural Equation Modeling-Partial Least Square (SEM-PLS) analysis method. The data collection technique used a questionnaire. The sample in this study was Generation Z Muslim Tasikmalaya City as many as 200 respondents. Data analysis and hypothesis testing used are descriptive statistical analysis, outer model and inner model.
Finding– Based on the results of the study, the R-Square test results show that the variables of sharia financial literacy, self-control, social media and digital payments are able to predict 70.0% of Consumptive Behavior. The results showed that the variables of Islamic financial literacy and self-control did not have a significant effect on consumptive behavior. While the variables of social media and digital payments have a significant effect on consumptive behavior.
Implications– Generation Z Muslims in Tasikmalaya City are expected to be wiser in using social media and digital payments, making a priority scale, and planning finances according to Islamic principles. Increased access and ease of technology can be a stimulus for waste if not accompanied by awareness and careful planning. For the government and OJK, these findings are expected to be important input for designing creative and relevant Islamic financial education programs to encourage the wise use of technology.
Article Details
Section
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
How to Cite
References
Akbar, M., Misbahuddin, & Abd Wahab. (2021). Pengaruh Literasi Keuangan Syariah dan Perilaku Kewirausahaan Muslim Terhadap Kinerja Usaha Kecil (Studi Pada Usaha Kuliner Di Kota Makassar). Jurnal Asy-Syarikah: Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam, 3(1), 25–39. https://doi.org/10.47435/asy-syarikah.v3i1.551
Al-Ghazali, A. H. M. (1980). Ihya’ Ulum al-Din (The Revival of Religious Sciences). Cairo: Dar al-Kutub al-Ilmiyyah.
Amin, H. (2017). Consumers’ intention to use Islamic personal financing: A comparison between Muslim and non-Muslim consumers. Journal of Islamic Accounting and Business Research, 8(4), 497–512. https://doi.org/10.1108/JIABR-07-2015-0032
Antara, P. M., Musa, R., & Hassan, F. (2016). Bridging Islamic financial literacy and halal literacy: The way forward in halal ecosystem. Procedia Economics and Finance, 37, 196–202. https://doi.org/10.1016/S2212-5671(16)30118-4
Beik, I. S., & Arsyianti, L. D. (2019). Measuring Islamic financial literacy: A study among Muslim students in Indonesia. IQTISHADIA: Jurnal Ekonomi dan Perbankan Syariah, 6(1), 1–20. https://doi.org/10.19105/iqtishadia.v6i1.2226
Black, D. W. (2007). A review of compulsive buying disorder. World Psychiatry, 6(1), 14–18. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1805733/
Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. Leicester, UK: The Islamic Foundation.
Dusuki, A. W., & Abdullah, N. I. (2007). Maqasid al-Shari’ah, Maslahah, and Corporate Social Responsibility. The American Journal of Islamic Social Sciences, 24(1), 25–45.
Dittmar, H. (2004). Understanding and diagnosing compulsive buying. Handbook of Addictive Disorders: A Practical Guide to Diagnosis and Treatment, 411–450.
Dittmar, H. (2005). A new look at “compulsive buying”: Self-discrepancy, materialistic values, and meanings of possessions. Journal of Social and Clinical Psychology, 24(6), 832–859. https://doi.org/10.1521/jscp.2005.24.6.832
Dittmar, H. (2005). Compulsive buying–a growing concern? An examination of gender, age, and endorsement of materialistic values as predictors. British Journal of Psychology, 96(4), 467–491. https://doi.org/10.1348/000712605X53533
Fatmawatie, N. (2022). E-commerce dan perilaku konsumtif. Nadi Pustaka Offset.
Firmansyah, & Dacholfany, M. I. (2018). Uang eletronik dalam perspektif Islam. Bandar Lampung: CV IQRO’.
Ghozali, I., & Kusumadewi, K. A. (2023). Partial Least Square Konsep, Teknik, dan Aplikasi Menggunakan Program SmartPLS 4.0 untuk Penelitian Empiris. Semarang: Yoga Pratama.
Ghufron, M. N., & Risnawita, S. (2010). Teori-Teori Psikologi. Yogyakarta: Ar-Ruzz Media.
Grewal, D., Roggeveen, A. L., & Nordfält, J. (2017). The future of retailing. Journal of Retailing, 93(1), 1–6. https://doi.org/10.1016/j.jretai.2016.12.008
Hassan, M. K., & Lewis, M. K. (2007). Handbook of Islamic Banking. Cheltenham: Edward Elgar.
Hasan, Z. (2005). Sustainable development from an Islamic perspective: Meaning, implications, and policy concerns. Journal of King Abdulaziz University: Islamic Economics, 18(2), 3–18. https://doi.org/10.4197/Islec.18-2.1
Herrendorf, B., Rogerson, R., & Valentinyi, Á. (2014). Growth and Structural Transformation. Handbook of Economic Growth, 2, 855–941. https://doi.org/10.1016/B978-0-444-53540-5.00006-9 Journal of Retailing and Consumer Services, 31, 304–312. https://doi.org/10.1016/j.jretconser.2016.04.015
Hurlock, E. B. (1980). Developmental Psychology: A Lifespan Approach (5th ed.). New York: McGraw-Hill.
Juliana, J., Ismail, S., Avriliani Utami, S., Rohmana, Y., & Marlina, R. . (2024). Factors Affecting Students’ Intention to Donate Cash Waqf: The Mediating Role of Literacy in Indonesia. ISRA International Journal of Islamic Finance, 16(S1), 46–70. https://doi.org/10.55188/ijif.v16iS1.552
Juliana, J., Monoarfa, H., & Adirestuty, F. (2025). Industri Halal: Peluang Dan Tantangan Global. Depok: Rajawali Buana Pusaka (Ranka Publishing).
Kahf, M. (1992). A Contribution to the Theory of Consumer Behavior in Islamic Society. In: Readings in Microeconomics in an Islamic Perspective. Jeddah: IRTI–IDB.
Kasser, T., & Ryan, R. M. (1996). Further examining the American dream: Differential correlates of intrinsic and extrinsic goals. Personality and Social Psychology Bulletin, 22(3), 280–287. https://doi.org/10.1177/0146167296223006
Keynes, J. M. (1936). The General Theory of Employment, Interest and Money. London: Macmillan.
Klaus, P., & Maklan, S. (2013). Towards a better measure of customer experience. nternational Journal of Market Research, 55(2), 227–246. https://doi.org/10.2501/IJMR-2013-021
Lazarus, R. S. (1973). The Self-Regulation of Emotion. In P. Pliner, L. Krames, & T. Alloway (Eds.), Communication and Affect (pp. 216–233). New York: Academic Press.
Lazarus, R. S., & Folkman, S. (1984). Stress, Appraisal, and Coping. New York: Springer.
Lissitsa, S., & Kol, O. (2016). Generation X vs. Generation Y – A decade of online shopping.
Lutfi, M., & Fadli, R. (2021). Household Consumption and Its Role in Economic Growth: Empirical Study in Indonesia. International Journal of Economics and Financial Issues, 11(4), 34–40. https://www.econjournals.com/index.php/ijefi/article/view/11588
Mahri, A. J. W., Juliana, J., Cakhyaneu, A., Wulandari, N. S., Adirestuty, F., & Mac-Doqu, F. K. (2025). Intense Behavior of Sharia Peer-To-Peer Lending Borrowers in Indonesia Through the Theory Model of Unified Theory of Acceptance and Use of Technology. Review of Islamic Economics and Finance, 8(1), 41-54.
Marlina, L., Juliana, J., Ismail, S. and Dewi, S.V. (2025), "Halal industry development strategy: a bibliometric analysis", Journal of Islamic Marketing, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/JIMA-12-2024-0591
Meiliyandrie, L., Wardani, I., & Anggadita, R. (2021). Konsep Diri dan Konformitas Pada Perilaku Konsumtif Remaja (P. N. E. Management (ed.)). Pekalongan, Jawa Tengah: NEM.
Monoarfa, H & Juliana, J. (2025). Falsafah dan Praktik Bisnis Islami Dari Rasulullah hingga Era Digital. Depok: Rajawali Buana Pusaka (Ranka Publishing).
Nurjanah, S. (2019). Pengaruh Literasi Ekonomi Dan Self Control Terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta. PARAMETER: Jurnal Pendidikan Universitas Negeri Jakarta, 31(2), 124–133. https://doi.org/10.21009/parameter.312.05
Ogundipe, A. A., Ojeaga, P., & Ogundipe, O. M. (2014). Household Consumption and Economic Growth in Nigeria: A Reassessment of the Empirical Evidence. Economics Research International, 2014, Article ID 620921. https://doi.org/10.1155/2014/620921
Otoritas Jasa Keuangan (OJK). (2022). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2022. Jakarta: OJK. https://www.ojk.go.id
OJK (Otoritas Jasa Keuangan). (2017). Strategi Nasional Literasi Keuangan Indonesia (Revisit).
Pirog, S. F., & Roberts, J. A. (2007). Personality and credit card misuse among college students: The mediating role of impulsiveness. Journal of Marketing Theory and Practice, 15(1), 65–77. https://doi.org/10.2753/MTP1069-6679150105
Podoshen, J. S., Li, L., & Zhang, J. (2011). Materialism and conspicuous consumption in China: A cross-cultural examination. International Journal of Consumer Studies, 35(1), 17–25. https://doi.org/10.1111/j.1470-6431.2010.00930.x
Podoshen, J. S., & Andrzejewski, S. A. (2012). An examination of the relationships between materialism, conspicuous consumption, impulsive buying, and brand loyalty. Journal of Marketing Theory and Practice, 20(3), 319–334. https://doi.org/10.2753/MTP1069-6679200306
Puntoadi, D. (2011). Menciptakan penjualan melalui social media. Jakarta: Elex Media Komputindo.
Ramadhani, H. M., Rahmi, M., & Fathoni, M. A. (2021). Pengaruh Literasi Keuangan Syariah, Promosi, Kualitas Pelayanan Terhadap Keputusan Menjadi Nasabah Bank. Business Management, Economic, and Accounting National Seminar, 2(1), 689–704.
Richins, M. L., & Dawson, S. (1992). A consumer values orientation for materialism and its measurement: Scale development and validation. Journal of Consumer Research, 19(3), 303–316. https://doi.org/10.1086/209304
Risna Yunia Rahma, & Siti Zulaikha. (2022). Pengaruh Penggunaan M-Payment, Literasi Keuangan Syariah, Locus of Control terhadap Perilaku Keuangan. Jurnal Ekonomi Syariah Teori Dan Terapan, 9(5), 747–759. https://doi.org/10.20473/vol9iss20225pp747-759
Sadorsky, P. (2010). The impact of financial development on energy consumption in emerging economies. Energy Policy, 38(5), 2528–2535. https://doi.org/10.1016/j.enpol.2009.12.048
Sahni, N. S., Wheeler, S. C., & Chintagunta, P. K. (2016). Personalization in Email Marketing: The Role of Noninformative Advertising Content. Marketing Science, 35(1), 22–45.
Schor, J. B. (1998). The Overspent American: Why We Want What We Don’t Need. New York: Harper Perennial.
Sharma, G. D. (Ed.). (2016). Handbook of effective advertising strategies in the social media age. IGI Global.
Sugiyono. (2016). Metodologi penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.
Sugiyono. (2015). Nonparametrik untuk penelitian. Bandung: Alfabeta.
Suharyono. (2018). Perilaku Konsumen dalam Perspektif Ekonomi Islam. Al-Intaj, 4(3), 1–7.
Verhoef, P. C., Broekhuizen, T., Bart, Y., Bhattacharya, A., Dong, J. Q., Fabian, N., & Haenlein, M. (2021). Digital transformation: A multidisciplinary reflection and research agenda. Journal of Business Research, 122, 889–901. https://doi.org/10.1016/j.jbusres.2019.09.022
Wahyuni, R., Irfani, H., & Syahrina, I. A. (2019). Pengaruh Gaya Hidup dan Literasi Keuangan Terhadap Perilaku Konsumtif Berbelanja Online Pada. Jurnal Benefita, 4(3), 548–559. https://core.ac.uk/download/pdf/296591597.pdf
Widiawati, F., Marlina, R., Maulana, I., Hidayati, A., & Kurniawan, C. S. (2025). The The Influence of Gender and Social Environment on Impulse Buying Behavior of Shopeepay Users in Purwakarta District (Case Study on Generation Z). Indonesian Journal of Islamic Economics and Sustainability, 1(1), 68–77. Retrieved from https://www.ijiesjournal.com/index.php/ijies/article/view/4