The Influence of Sharia Financial Literacy, Digital Marketing, Brand Image, and Word of Mouth on Generation Z'S Interest in Islamic Banking
Keywords:
Sharia Financial Literacy, Digital Marketing, Brand Image, Word of Mouth, Interest, Generation Z, Islamic Banking., Sharia Financial Literacy, Digital Marketing, Brand Image, Word of Mouth, Interest, Generation Z, Islamic Banking.Abstract
Purpose: Put This study aims to explain the influence of Islamic financial literacy, digital marketing, brand image, and word of mouth on Generation Z's interest in Islamic banking.
Design/methodology/approach: The research employs a total sampling method with 107 respondents. Data was gathered through questionnaires using a Likert scale and analyzed using SPSS version 25.
Findings: The findings indicate that Islamic financial literacy does not significantly impact interest. Meanwhile, digital marketing, brand image, and word of mouth have a positive and significant influence on interest.
Theoretical Contribution/Originality: This research provides new insights into the factors influencing interest in Islamic banking, particularly among Generation Z.
Research limitation and implication: Limitations of this study include the small sample size and the poorly distributed respondents, suggesting that future research should include more respondents and a more evenly distributed sample.
Keywords: Sharia Financial Literacy, Digital Marketing, Brand Image, Word of Mouth, Interest, Generation Z, Sharia Banking.
Downloads
Abstract viewed: 31 times
|
pdf downloaded = 17 times
References
Andini, P. N., & Lestari, M. T. (2021). Pengaruh Brand Ambassador dan Brand Image terhadap Minat Beli Pengguna Aplikasi Tokopedia (Studi Kuantitatif pada Pengguna Aplikasi Tokopedia di Dki Jakarta). eProceedings of Management, 8(2).
Apriana, T. A. (2024). Pengaruh Literasi Keuangan Dan Kualitas Pelayanan Terhadap Minat Menjadi Nasabah Di Bank Syariah (Doctoral dissertation, IAIN Metro).
Assael, H. (2001). Consumer Behavior. New York: Thompson Learning.
Az-Zahra, P., & Sukmalengkawati, A. (2022). Pengaruh Digital Marketing Terhadap Minat Beli Konsumen. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(3), 2008-2018.
Chaffey, D., & Smith, P. R. (2013). Emarketing Exellence. Planning and optimizing your digital marketing. Abingdon: Routledge.
Coviello, N. Milley, R. & Marcolin, B. (2001). Understanding it-enable interactivity in contemporary marketing. Journal of Interactive Marketing, Vol. 15 No. 4, P. 18- 33.
Djuwita, D., & Yusuf, A, A. (2018). Tingkat Literasi Keuangan Syariah Di Kalangan UMKM Dan Dampaknya Terhadao Perkembangan Usaha. Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah, 10(1).
Donthu, N., Kumar, S., Pandey, N., Pandey, N., & Mishra, A. (2021). Memetakan pencarian ulang electronic word-of-mouth (eWOM): Sebuah tinjauan sistematis dan analisis bibliometrik. Jurnal Penelitian Bisnis, 135, 758-773.
Fauziah, N., & Mubarok, D. A. A. (2019). Pengaruh Citra Merek Terhadap Minat Beli: Studi Pada Produk Kecantikan. Image: Jurnal Riset Manajemen, 8(1), 37-44.
Kalele, B., Oroh, S. G., & Sumarauw, J. (2015). Pengaruh Word of Mouth, Daya Tarik Iklan, Persepsi Harga dan Kualitas Produk terhadap Minat Beli Motor Suzuki Satria FU pada PT. Sinar Galesong Mandiri. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 3(3).
Khairunnisa, & Rifaatul Indana. (2023). Analysis of factors affecting students' interest to save in Sharia bank: Case study of students of UIN Sunan Kalijaga Department of Sharia Banking Class 2019- 2021. Journal of Business Management and Islamic Banking, 2(1- 2), 17-35. https://doi.org/10.14421/jbmib.2023.0201-02.
Kotler, P ,. dan Keller, K. L. (2009),“Manajemen Pemasaran” Jilid 1. Edisi ke 13. Edisi ke 13. Jakarta: Erlangga.
Kotler, P., & Armstrong, G. (2010). Kotler & Armstrong, Principles of Marketing Pearson. Retrieved.
Kotler,P dan Garry A. (1998). Dasar-Dasar Pemasaran. Jakarta: Prenhallinda.
Melisa, J. (2022). Pengaruh Literasi Keuangan Syariah Dan Pendapatan Terhadap Penggunaan Produk Perbankan Syariah Dengan Religiusitas Sebagai Variabel Pemoderasi (Studi Kasus Pada BPRS Kota Bandar Lampung) (Doctoral dissertation, UIN Raden Intan Lampung).
Nurmalia, V. D., & Qolbi, A. F. N. (2024). The Influence of Digital Marketing and Advertising Effectiveness on Gen Z Buying Interest in Marketplaces in the Special Region of Yogyakarta. ResearchGate. https://www.researchgate.net/publication/386879598.
Oliver, R. L. (2014). Satisfaction: A Behavioral Perspective on the Consumer. London: Routledge.
Pambudiantono, B., & Fitriyah, Z. (2023). The Influence Of Digital Marketing And Brand Trust On Consumer Purchase Interest In The Tokopedia Marketplace (Study On Tokopedia Marketplace Visitors In Surabaya). Jurnal Ekonomi Dan Bisnis Digital, 2(3), 687-708.
Patricia, D. (2024). Pengaruh Tingkat Literasi Keuangan Syariah, Religiusitas, Persepsi dan Promosi terhadap Minat Transaksi di Bank Syariah (Studi Kasus pada Kota Tangerang) (Bachelor's thesis, FEB UIN Jakarta).
Rahim, S. H. A., Rashid, R. A., & Hamed, A. B. (2016). Islamic Financial Literacy and its Determinants among University Students : An Exploratry Factor Analysis. International Journal of Economics and Financial Issues, 6, 32–35.
Ramadhani, N. L., & Setyono, J. (2022). Determinan minat berkarir mahasiswa di lembaga keuangan syariah dengan motivasi sebagai variabel moderasi. Journal of Business Management and Islamic Banking, 1(1), 17-34. https://doi.org/10.14421/jbmib.2022.011-02.
Rangkuti, F. (2010). Strategi Promosi Yang Kreatif dan Analisis Kasus Integrated Marketing Communication. Jakarta: Gramedia Pustaka Utama.
Roberts dan Dowling. (2002).”Corporate Reputation and Sustained Superior Financial Performance”. Strategic Management Journal 23 : 1077- 1093.
Sahrir, A., Bua, M., & Sukotjo, A. (2021). Pengaruh Bauran Pemasaran dan Word of Mouth (WOM) terhadap Minat Beli Ulang pada Konsumen Ayam Broiler di UKM Kabupaten Konawe Selatan. Jurnal Ilmiah Peternakan Terpadu, 9(1), 22–30.
Santoso, D. A., Erdiansyah, R., & Pribadi, M. A. (2019). Pengaruh brand awareness dan brand image terhadap minat beli produk kecantikan Innisfree. Prologia, 2(2), 286-290.
Saputri, M. E., & Pranata, T. R. (2014). Pengaruh Brand image Terhadap Kesetiaan Pengguna Smartphone Iphone. Jurnal Sosioteknologi, 13(3), 193– 201. https://doi.org/10.5614/sostek.itbj.2014.13.3.3.
Setyaningsih, E. D. (2017). Pengaruh Kualitas Layanan dan word of mouth melalui minat terhadap keputusan nasabah dalam menggunakan EBanking pada Bank BNI. Jurnal Ilmiah Ekonomi Bisnis, 22(1).
Sijoria, C., Mukherjee, S., & Datta, B. (2019). Dampak anteseden dari mulut ke mulut elektronik terhadap ekuitas merek berbasis konsumen: studi pada industri perhotelan. Jurnal Pemasaran & Manajemen Perhotelan, 28(1), 1-27.
Silverman, George. (2011). The Secrets of Word-of-Mouth Marketing:How to Trigger Exponential Sales Through Runaway Word of Mouth (Second Edition). United State of America:Amacom.
Slameto. 2010. Belajar dan faktor-faktor yang Mempengaruhinya. Jakarta: PT. Rineka Cipta.
Suparno, D., Tjahjawulan, I., Martodiryo, S., Anshary, A., Mulyono, M., Badrian, B., ... & Suwondo, T. (2023). The influence of financial literacy, digital literacy, digital marketing, brand image and word of mouth on the z generation's interest in Islamic banks. International Journal of Data and Network Science, 7(4), 1975-1982.
Susilowati, T., & Santoso, A. (2018). The Effect of Sharia Financial Learning and Sharia Financial Literacy on Investment Intention. Journal of Islam and Science, 5(1), 23-28.
Warpindyastuti, L. D., Aprita, Y. M., & Azizah, A. (2022). Pengaruh Word Of Mouth Terhadap Minat Beli Produk Scarlett Whitening. Ekonomi Dan Bisnis (EKOBIS) 45, 1(1), 8-13.
Westbrook, Robert A. (1987), “Product/Consumption-Based Affective Responses and Postpurchase Process,” Journal of Marketing Research, 24 (3), 258-70.
Wulandari, S. D. (2022). Pengaruh literasi keuangan syariah terhadap minat penggunaan produk keuangan syariah pada masyarakat Ponorogo. Jurnal Iqtishaduna, 11(1), 45–53.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Journal of Islamic Banking: Student Insight

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

All publication from Journal of Islamic Banking: Student Insights (JIBSI) are licensed under a