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All Journal ETIKONOMI Journal of Accounting and Investment JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Islamic Monetary Economics and Finance EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Tajdidukasi: Jurnal Penelitian dan Kajian Pendidikan Islam Muslim Business and Economic Review Journal of Business Management and Islamic Banking Suhuf: International Journal of Islamic Studies
Pertiwi, Ruspita Rani
Faculty Of Islamic Economics And Business, UIN Sunan Kalijaga, Yogyakarta, Indonesia
Religion Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Sharia Financial Literacy in the Digital Era: The Role of the Younger Generation in Embracing the Transformation of Islamic Finance Hayati, Fauzia Kamila; Pertiwi, Ruspita Rani
Suhuf: International Journal of Islamic Studies Vol. 37 No. 2 (2025): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v37i2.11170

Abstract

The level of Islamic financial literacy among the younger generation remains relatively low, while digital transformation in the financial sector is developing rapidly. This situation then creates a gap between the ability to utilise technology and an adequate understanding of Islamic financial concepts. This study aims to systematically review the academic literature on Islamic financial literacy among the younger generation in the digital era, identifying opportunities, challenges, and strategies for improving literacy. The method used was a Systematic Literature Review (SLR) of 20 scientific articles published between 2018 and 2025, focusing on three main aspects: literacy level, utilization of digitalization, and challenges in disseminating Islamic financial education. The study results indicate that digitalization has significant potential to increase access and effectiveness of Islamic financial education through social media platforms, financial applications, and digital banking services. However, most educational content remains descriptive, lacks interactivity, and is not fully aligned with the characteristics of the younger generation. Therefore, a collaborative strategy is needed between Islamic financial institutions, educational institutions, and other stakeholders to develop engaging, applicable, and sustainable Islamic financial literacy content. This research offers important implications for developing a more innovative and relevant Islamic financial education model tailored to the needs of the younger generation in the digital era.
PENGARUH FAKTOR MAKROEKONOMI TERHADAP PENINGKATAN KINERJA ASURANSI SYARIAH DI INDONESIA Sari, Windi Prastika; Pertiwi, Ruspita Rani
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3177

Abstract

Abstract: This study aims to analyze the influence of macroeconomic factors on improving the performance of sharia insurance in Indonesia in the period 2015-2022. The methodology used is a quantitative approach with panel data analysis, involving independent variables such as Gross Domestic Product (GDP), inflation, interest rates, unemployment rates, and exchange rates, as well as dependent variables in the form of sharia insurance performance measured by total asset indicators. The study uses a panel data regression model, including Pooled Ordinary Least Squares (POLS), Fixed Effects Model (FEM), and Random Effects Model (REM), with statistical tests such as the Chow Test, Hausman Test, and LM Test to determine the best model. The results of the study show that GDP and exchange rates have a significant positive effect on sharia insurance performance, while inflation and unemployment rates have a negative impact. Interest rates do not show a significant effect, reflecting people's preferences for sharia-based products that are more influenced by spiritual awareness than interest rate conditions. This study emphasizes the importance of macroeconomic stability and transparent management of sharia funds to support the development of the sharia insurance industry in Indonesia.. Keyword: sharia insurance;panel data;macroeconomic factors. Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor makroekonomi terhadap peningkatan kinerja asuransi syariah di Indonesia pada periode 2015-2022. Metodologi yang digunakan adalah pendekatan kuantitatif dengan analisis data panel, melibatkan variabel independen seperti Produk Domestik Bruto (PDB), inflasi, suku bunga, tingkat pengangguran, dan nilai tukar, serta variabel dependen berupa kinerja asuransi syariah yang diukur melalui indikator total aset. Penelitian menggunakan model regresi data panel, meliputi Pooled Ordinary Least Squares (POLS), Fixed Effects Model (FEM), dan Random Effects Model (REM), dengan uji statistik seperti Uji Chow, Uji Hausman, dan Uji LM untuk menentukan model terbaik. Hasil penelitian menunjukkan bahwa PDB dan nilai tukar memiliki pengaruh positif signifikan terhadap kinerja asuransi syariah, sementara inflasi dan tingkat pengangguran berdampak negatif. Suku bunga tidak menunjukkan pengaruh signifikan, mencerminkan preferensi masyarakat terhadap produk berbasis syariah yang lebih dipengaruhi oleh kesadaran spiritual dibandingkan kondisi suku bunga. Penelitian ini menegaskan pentingnya stabilitas makroekonomi dan pengelolaan dana syariah yang transparan untuk mendukung perkembangan industri asuransi syariah di Indonesia. Kata kunci: asuransi syariah;data panel;faktor makroekonomi.  
Co-Authors Achmad Muhammad Ahmad Bunyan Wahib Berakon, Izra Etik Kresnawati Fajar Sodik, Fajar Hary Febriansyah Hary Febriansyah Hary Febriansyah Hayati, Fauzia Kamila Jann Hidajat Tjakratmadja Jann Hidayat Tjakraatmadja Jannah, Syayyidah Maftuhatul Kamal, Safwan Pradana, Mahatva Yoga Adi Sari, Windi Prastika Selviana, Shela Septiani, Alfian Nisa Tjakratmadja, Jann Hidajat