Analysis of The Influence of Financial Literacy Digitalization, Digital Word of Mouth, Digital Marketing and Brand Image on Z's Generation Saving Intention in Sharia Banking

Authors

  • Rini Hadiyati Universitas Muhammadiyah Luwuk
  • Budi Harto Politeknik LP3I
  • Dhiana Ekowati Sekolah Tinggi Ilmu Ekonomi Nusa Megarkencana
  • Jefriyanto Jefriyanto Universitas Negeri Padang
  • Sonny Santosa Universitas Buddhi Dharma

DOI:

https://doi.org/10.57152/malcom.v3i2.918

Keywords:

Financial Literacy, Digital Marketing, Brand Image, Word Of Mouth, Generation Z, Sharia Banking

Abstract

This study aims to ascertain the ways in which Generation Z's interest in Sharia banking is influenced by digital marketing, word-of-mouth, brand image, and financial literacy. Students were the research population used in this study. Purposive sampling and non-probability sampling, totaling 400, were the methods used in this study's sample strategy. By distributing questionnaires, this study employed a quantitative methodology. Using SPSS version 23.0, the acquired data was examined for data quality. Next, statistical data will be analyzed using the Partial Least Square (PLS) variance-based structural equation model. The findings of this study indicate that The interest of Generation Z in Sharia banking is influenced by financial literacy. The findings of this study indicate that interest in Sharia banking among Generation Z is influenced by digital marketing. According to the study's findings, Generation Z's interest in Sharia banking is influenced by brand perception. Based on the research findings, Generation Z's interest in Sharia banking is influenced by word of mouth.

References

Amalia, N, " The Influence of Brand Image, Price and Product Quality on Purchasing Decisions (Case Study of Endess Noodle Consumers in Bangkalan)," Jurnal Studi Manajemen Dan Bisnis, vol. 6, no. 2, pp. 96–104, 2019.

Pramudito, D. K., Arijanti, S., Rukmana, A. Y., Oetomo, D. S., & Kraugusteeliana, K. (2023). The Implementation of End User Computing Satisfaction and Delone & Mclean Model to Analyze User Satisfaction of M. TIX Application. Jurnal Informasi dan Teknologi, 5(3), 7-12.

Harto, B., Rozak, A., & Rukmana, A. Y. (2021). Strategi Marketing Belah Doeren Melalui Digital Marketing Terhadap Keputusan Pembelian Dimediasi Brand Image. ATRABIS: Jurnal Administrasi Bisnis (e-Journal), 7(1), 67-74.

Oetomo, D. S., Ramdhani, R. F., & Abdi, A. P. (2022). Penentuan Rute Pengiriman Produk Dengan Meminimalkan Biaya Transportasi Menggunakan Metode Saving Matrik Dan Nearest Neighbour Di Pt. Aisyah Berkah Utama. Jurnal Sains dan Teknologi: Jurnal Keilmuan dan Aplikasi Teknologi Industri, 22(1), 130-145.

Durmaz, Y., Cavusoglu, S., & Ozer, O, "The Effect of Brand image and Brand Benefit on Customer Loyalty: The Case of Turkey," International Journal of Academic Research in Business and Social Sciences, vol. 8, no. 5, pp. 529–540, 2018.

Oetomo, D. S., & Ramdhani, R. F. (2021). Usulan Perbaikan Proses Bisnis Departemen J20 di PT Indorama Synthetics Tbk dengan Menggunakan Metode Business Process Reengineering. Jurnal Media Teknik dan Sistem Industri, 5(2), 63-71.

Sudyana, I. N., Kurniawati, H., Susanto, R., Dulame, I. M., & Vanchapo, A. R. (2023). The Effectiveness Analysis of Using Angle Puzzle Tools on the Achievement of Students’ Learning Outcomes. Journal on Education, 6(1), 1743-1748.

Astuti, E. D., Susanto, R., Cahyono, D., Sudirman, S., & Astuti, M. T. (2023). The Effect of Problem Based Learning Work Sheet Usage on Student Learning Outcomes. Mudir: Jurnal Manajemen Pendidikan, 5(2), 404-408.

Fadlilah, S., Setiawan, D. I., Muflih, M., Amigo, T. A. E., Susanto, R., & Pujianto, A. (2022). Factors Associated with Adverse Events Following the First Dose of COVID-19 Immunization in Indonesia. Korean Journal of Adult Nursing, 34(3), 249-257.

Junaidi, J., Lubis, Z., Effendi, I., Aulia, M. R., Utami, M. P., & Supriatna, D. (2023). Strategy Enhancement Performance MSMEs Through PTPN III Partnership Program. Devotion Journal of Community Service, 4(2), 438-445.

Aulia, M. R., Saragi, C. P., & Simbolon, R. (2021). The Effect of Entrepreneurial Characteristics on Entrepreneurial Competence and Entrepreneurial Competence on Business Performance of Micro and Small-Scale Coffee Shops in Bogor. BASKARA: Journal of Business and Entrepreneurship, 4(1), 37-48.

Aulia, M. R. (2023). Digital Competencies And Experience In Partnership Program On Smes Performance. Journal Research of Social, Science, Economics, and Management, 2(07), 1416-1425.

Abdurrahim, A., Tannady, H., Ekowati, D., Nawarcono, W., & Pratomo, A. B. (2023). Analisis Peran Harga, Variasi Produk Dan Kualitas Produk Terhadap Customer Satisfaction Produk Konveksi. Journal of Economic, Bussines and Accounting (COSTING), 6(2), 1302-1307.

Sutrisno, S., Tannady, H., Ekowati, D., MBP, R. L., & Mardani, P. B. (2022). Analisis Peran Kualitas Produk Dan Visual Identity Terhadap Purchase Intention Produk Teh Dalam Kemasan. Management Studies and Entrepreneurship Journal (MSEJ), 3(6), 4129-4138.

Harto, B., Pramuditha, P., Rukmana, A. Y., Sofyan, H., Rengganawati, H., Dwijayanti, A., & Sumarni, T. (2023). Strategi Social Media Marketing Melalui Dukungan Teknologi Informasi dalam Kajian Kualitatif Pada UMKM Kota Bandung. KOMVERSAL, 5(2), 244-261.

Mulyaningtyas, Indah Fajartai., Soesatyo, Yoyok., dan Sakti, N. C, " The influence of knowledge about sharia banking and financial literacy on students' interest in saving at sharia banks," Jurnal Ekonomi Pendidikan Dan Kewirausahaan, vol. 1, no. 9, pp. 53–66, 2020.

Sofyan, H., Harto, B., Sanjayyana, A. R., & Wirasujatma, M. (2023). Studi Literatur Review Fintech dalam Mendukung Transformasi. ATRABIS: Jurnal Administrasi Bisnis (e-Journal), 9(1), 67-77.

Oktaviani, F., & Rustandi, D, " Implementation of Digital Marketing in Building Brand Awareness," PRofesi Humas : Jurnal Ilmiah Ilmu Hubungan Masyarakat, vol. 3, no. 1, pp. 1, 2018.

Choerudin, A., Widyaswati, R., Warpindyastuti, L. D., Khasanah, J. S. N., Harto, B., Oktaviani, N. F., ... & Paramita, V. S. (2023). Literasi Keuangan. Global Eksekutif Teknologi.

Rastati, R, " Media Literacy for Digital Natives: Generation Z Perspectives in Jakarta," Jurnal Kwangsan, vol. 6, no. 1, pp. 43, 2018.

Widiana, W., Anggara, F. S. A., Purnamasari, S., Nugraha, J. P., Ardianto, R., Harto, B., ... & Dasman, S. (2023). Keuangan Bisnis Digital. Global Eksekutif Teknologi.

Stillman, David & Stillman Jonah, " Generation Z," Jakarta: PT Gramedia Pustaka Utama, 2018.

Downloads

Published

2023-10-09