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All Journal Hakam : Jurnal Kajian Hukum Islam dan Hukum Ekonomi Islam Escalate : Economics and Business Journal
Nurul Aisyah
Universitas Bina Sarana Informatika Jakarta
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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FROM CASH TRANSFERS TO AMAL SHALIH: THE ROLE OF ISLAMIC FINANCIAL LITERACY IN HUMAN CAPITAL DEVELOPMENT Asep Asep; Dedy Sukmana; Rani Suryani; Syafuddin Syafuddin; Nurul Aisyah
JURNAL HAKAM Vol 10, No 1 (2026)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/jhi.v10i1.15233

Abstract

This study examines the role of Islamic financial literacy (IFL) in mediating the relationship between conditional cash transfers and human capital development among beneficiaries of Indonesia’s Program Keluarga Harapan (PKH). Using a quantitative cross-sectional design and data from 420 households across three provinces, the study applies Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the proposed model. The findings reveal that while cash transfers have a positive but limited direct effect on human capital development, Islamic financial literacy exerts a stronger and more significant influence. Importantly, IFL mediates more than half of the total effect of cash transfers, transforming financial assistance into productive investments in education, healthcare, and economic resilience. Furthermore, IFL facilitates the conversion of financial resources into amal shalih, reflected in ethical financial behavior such as zakat participation, avoidance of riba-based debt, and socially oriented economic practices. This study contributes to the literature by integrating Islamic ethical dimensions into human capital theory and operationalizing amal shalih as a measurable economic outcome. The findings suggest that poverty alleviation programs should incorporate value-based financial education to enhance both economic and moral development outcomes.
The Influence of Product Quality and Price on Consumer Purchase Decisions for Cleo Brand Drinking Water Products in South Tambun 07 Junior High School Riska Dwi Rahmawati; Nurul Aisyah; Chodidjah
Escalate : Economics and Business Journal Vol. 4 No. 02 (2026): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i02.598

Abstract

This study aims to analyze the influence of product quality and price on purchasing decisions for Cleo brand bottled drinking water (AMDK) among consumers at SMP Negeri 07 Tambun Selatan. This study used a quantitative approach with a survey method involving 100 consumers as the population and sample, selected through convenience sampling. Data were collected through questionnaires, observation, and documentation and analyzed using IBM SPSS Statistics 26 through validity, reliability, classical assumption, multiple linear regression, t-test, F-test, and coefficient of determination tests. The results showed that product quality had a positive and significant effect on purchasing decisions (t = 9.047; p < 0.001), while price also had a positive and significant effect (t = 2.739; p = 0.007). Simultaneously, product quality and price had a significant effect on purchasing decisions (F = 55.000; p < 0.001), with an R² value of 0.531, indicating that 53.1% of the variation in purchasing decisions was explained by the two variables. The study concludes that product quality and price are significantly associated with purchasing decisions for Cleo brand AMDK among the respondents
Co-Authors Asep Asep Chodidjah Dedy Sukmana Rani Suryani Riska Dwi Rahmawati Syafuddin Syafuddin