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All Journal COMPETITIVENESS JOURNAL Jurnal Mirai Management Jurnal Dedikasi Masyarakat JMM (Jurnal Masyarakat Mandiri) Owner : Riset dan Jurnal Akuntansi Jurnal Pengabdian Kepada Masyarakat (Mediteg) Didaktik : Jurnal Ilmiah PGSD STKIP Subang Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) INVOICE : JURNAL ILMU AKUNTANSI Jurnal Bisnis Mahasiswa Santri : Jurnal Ekonomi dan Keuangan Islam IJMA Jurnal Penelitian Pendidikan Indonesia Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Academic Journal of Psychology and Counseling Multidisciplinary Indonesian Center Journal Jurnal Honai
Arsal, Muryani
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Religion Humanities Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Neuroscience Social Sciences Other

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Makna Amanah dan Akuntabilitas dalam Praktik Keuangan Bank Syariah Sarah Zettira Agam Darwis; Nur Ikhlasul Amal; Arsal, Muryani
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 1 (2026): Februari : SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i1.2068

Abstract

Islamic banks operate not only as financial intermediaries but also as institutions rooted in Islamic ethical values. Trust (amanah) and accountability represent core principles guiding financial management in Islamic banking. This study explores the meaning of amanah and accountability and examines how both principles are implemented in Islamic banking practices. Using a qualitative interpretive approach, data were gathered through in-depth interviews, participant observations, and systematic document analysis. The findings indicate that amanah is understood not merely as an individual moral obligation, but as an institutional principle embedded within organizational policies, corporate culture, and governance frameworks. Accountability is reflected through transparent financial reporting, effective internal audit systems, risk management procedures, and the supervisory role of the Sharia Supervisory Board. The integration of amanah and accountability enhances organizational integrity, strengthens stakeholder confidence, and improves decision-making processes. Ultimately, the study demonstrates that embedding these ethical principles contributes to public trust, regulatory compliance, and the long-term sustainability of Islamic banking institutions in increasingly competitive.
Literasi Keuangan, Gaya Hidup Digital, dan Kemudahan Transaksi Non- Tunai Terhadap Perilaku Konsumtif Mahasiswa Pada Era Cashless Society Husnaeda, Husnaeda; Arsal, Muryani
Jurnal Honai Vol 5 No 1 (2025): Desember
Publisher : LPPM UNAIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61578/honai.5.1.28-35

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, gaya hidup digital, dan kemudahan transaksi non-tunai terhadap perilaku konsumtif mahasiswa pada era cashless society. Metode yang digunakan adalah studi literatur review dengan menganalisis artikel nasional dan internasional yang dipublikasikan pada rentang tahun 2021-2025. Hasil analisis menunjukkan bahwa literasi keuangan berpengaruh negatif terhadap perilaku konsumtif, sedangkan gaya hidup digital dan kemudahan transaksi non-tunai cenderung meningkatkan perilaku konsumtif mahasiswa. Era cashless society dengan adopsi financial technology (fintech) telah mengubah pola konsumsi mahasiswa, di mana kemudahan akses dan penggunaan e-money, e-wallet, serta platform belanja online mendorong peningkatan perilaku konsumtif. Penelitian ini merekomendasikan pentingnya peningkatan literasi keuangan digital dan self-control mahasiswa untuk mengelola keuangan secara lebih bijak di tengah perkembangan teknologi keuangan.
PENGARUH LITERASI KEUANGAN DAN PENGGUNAAN FINTECH TERHADAP PERILAKU KEUANGAN MAHASISWA DI UNIVERSITAS MUHAMMADIYAH MAKASSAR Warda, Widya; Arsal, Muryani; Nur Abdi, Muhammad
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 02 (2026): Volume 12 No. 2, Juni 2026 Publish
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i02.12784

Abstract

This study aims to analyze the influence of financial literacy and the use of financial technology (fintech) on students' financial behavior at Muhammadiyah University of Makassar. This research applies a quantitative approach with an explanatory causal design. The sample was selected using purposive sampling, involving 110 respondents who are active students and fintech users. Data were collected through questionnaires and analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. The results show that: (1) financial literacy has a positive and significant effect on students' financial behavior; and (2) the use of fintech also has a positive and significant effect on students' financial behavior. These findings indicate that a higher level of financial understanding and appropriate use of fintech can improve students' ability to manage their finances in a more effective, planned and responsible manner.
Co-Authors A Ifayani Haanurat Abdul Khaliq Adinigrat, Andi Arifwangsa Amaliah , Nur Fitri Amaliah, Nur Fitri Amin, Amelia Rezki Septiani Amraini, Amraini Anwar, Sri Wahyuni Ardhana, Chindy Putri Arif Budiman Aristia, Tiara Arizah, Ainun Arman Arman Armeli, Rifka Resti Arni Arni arniati, arniati Asriadi, Andi Amran Asriani Hasan Atriani, Evi Awang, Siti Rahmah Ayudina, Rika Badollahi, Ismail Enggelita, Nur Febriyanti, Nasrah Haerunnisa, Rosyada Husnaeda, Husnaeda Ilyas, Muh Ade Saputra Ismail Badollahi Jafar, Raodah Fitlia Jihad, Nurul Jusriani, Jusriani Lestari , Nurwinda Lestari, Nurwinda Mahardhika, Mahardhika Mochammad Imron Awalludin Muchriana Muchran Muhammad Khaedar Sahib Muhammad Rusydi Muhammad Syaiful Muhe, Arniati Naidah, Naidah Nur Abdi, Muhammad Nur Ikhlasul Amal Nurhayati Nurhayati Nurhayati Nurulhidayah, Nurulhidayah Paradiba, Andi Putri Latifa Paramitha , Adhelia Pelu, Abd Haris Putra, A.Baso Kumala Qur'ani, Nini Rahayu, Rika Rahmadani, Ilmi Rahman, Muh Israq Ramadhan, Nur Fajri Rasyid, Rosidah reski aulia Romadhoni, Buyung Rusli, Andi Musyarrafah Saleh, Nurfadilah Salisu, Bala Samad, Putri Ida Sunaryathy Sarah Zettira Agam Darwis Selfianti, Selfianti Sinarti, Sinarti Siti Aisyah Sri Wahyuni St. Arafah. H Sulaiman, Syarifuddin Sulvia, Sulvia Ulfah, Khalishah Usman Warda, Widya Wiranti, Widya Zainal , Andi Maghfirah Zainal, Andi Maghfirah