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All Journal Ahkam: Jurnal Ilmu Syariah MUQTASID INFERENSI EQUILIBRIUM Jurnal Ilmiah Peuradeun Economica: Jurnal Ekonomi Islam JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Iqtishoduna: Jurnal Ekonomi Islam JAIM (Jurnal Abdi Masyarakat) Abdimas Universal Jurnal Ilmiah Edunomika (JIE) Reswara: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah ASET Journal of Applied Islamic Economics and Finance Journal of Indonesian Sharia Economics Jurnal Riset Hukum, Ekonomi Islam, ekonomi, Manajemen dan Akuntansi Journal International Dakwah and Communication Equilibrium: Jurnal Ekonomi Syariah Journal of Economics and Public Health Al-Infaq : Jurnal Ekonomi Islam PALASTREN: Jurnal Studi Gender ThufuLA: Jurnal Inovasi Pendidikan Guru Raudhatul Athfal
Siti Amaroh
STAIN Kudus
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Pemanfaatan Media Animasi Dalam Meningkatkan Literasi Menabung pada Siswa Madrasah Ibtidaiyyah Maslakul Falah Klaling Kudus Amaroh, Siti; Murtaja, Rohit; Saputri, Virgie Eka; Budiansyah, Ahmad Samudra Alan; Masturin, Masturin
Abdimas Universal Vol. 8 No. 1 (2026): April
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Balikpapan (LPPM UNIBA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/abdimasuniversal.v8i1.2810

Abstract

Early financial literacy plays a crucial role in fostering rational and responsible financial attitudes and behaviors. Nevertheless, the delivery of saving literacy materials for Madrasah Ibtidaiyyah students often faces challenges due to the use of instructional methods that are less engaging and not fully aligned with the characteristics of the alpha generation. This community service program aims to improve students’ savings literacy through the use of animated media at Madrasah Ibtidaiyyah Swasta Maslakul Falah Klaling Kudus. The program employed an interactive approach supported by contextually designed animated videos. The implementation was conducted through systematic stages, including planning, preparation, implementation, and evaluation, with fourth-grade students as the target participants. The findings indicate that the use of animated media effectively enhanced students’ learning engagement, comprehension, and active participation in understanding fundamental financial literacy concepts, such as the function of money, distinguishing between needs and wants, the benefits of saving, and the establishment of simple financial goals. Animated media proved to be an effective educational tool that aligns with the digital-oriented characteristics of Madrasah Ibtidaiyyah students. This program is expected to serve as an alternative model for delivering financial literacy education that is both effective and engaging at the primary education level .
AI-Literacy and Pedagogical Utilization Among Lecturers In Islamic Early Childhood Education Program Masturin, Masturin; Nadhirin, Nadhirin; Amaroh, Siti
THUFULA Vol 14, No 1 (2026): ThufuLA: Jurnal Inovasi Pendidikan Guru Raudhatul Athfal
Publisher : PIAUD Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/thufula.v14i1.36199

Abstract

The use of Artificial Intelligence (AI) in learning remains pedagogically undirected and requires clear policies. This study aims to explore the use of AI in learning in early childhood Islamic education study programs. Informants in this study were lecturers of early childhood Islamic education (PIAUD) at several State Islamic Universities in Central Java. This study used a descriptive qualitative approach with semi-structured interview data collection. The results indicate that the AI literacy of PIAUD lecturers is homogeneous and functional, primarily as a learning aid and completing academic assignments. Frequently used AI applications include ChatGPT, Canva, and other AI applications relevant to their work. The lecturers perceive AI as an effective and efficient tool for enhancing learning creativity. However, there are concerns about the risk of dependency, so regulations on AI use are required. The results of this study are expected to contribute to academic studies on AI utilization and regulation, given that an AI detector has been produced.
Financial Well-Being among Culinary MSMEs: The Mediating Role of Personal Financial Management between Islamic Financial Literacy and Locus of Control Elfaz, Maulanisa Arifa; Rokhman, Wahibur; Amaroh, Siti
EQUILIBRIUM Vol 14, No 2 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i2.37570

Abstract

This study addresses the critical yet under-researched gap regarding how Islamic values and psychological traits concurrently shape entrepreneurs' financial outcomes in the modern economic era. This study aims to analyze the mediating role of Personal Financial Management in the relationship between Islamic Financial Literacy and Locus of Control on Financial Well-Being. Adopting a quantitative approach, data were gathered through structured questionnaires from 120 entrepreneurs and analyzed using Structural Equation Modeling. The findings reveal that both Islamic Financial Literacy and Locus of Control have a positive and significant effect on Personal Financial Management and Financial Well-Being. Notably, Personal Financial Management exerts the strongest direct influence on Financial Well-Being. Importantly, mediation analysis demonstrates that Personal Financial Management successfully mediates the pathways from both financial literacy and internal control toward higher financial well-being. It is concluded that financial knowledge and self-control alone are insufficient to ensure welfare unless they are actively translated into practical financial management behavior. Theoretically, this study extends behavioral finance literature by confirming management behavior as a vital mechanism. Practically, it provides actionable insights for policymakers to design tailored financial education and personal financial management programs rooted in Islamic principles to bolster entrepreneurial resilience.
Financial Well-Being among Culinary MSMEs: The Mediating Role of Personal Financial Management between Islamic Financial Literacy and Locus of Control Elfaz, Maulanisa Arifa; Rokhman, Wahibur; Amaroh, Siti
EQUILIBRIUM Vol 14, No 2 (2026): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v14i2.37570

Abstract

This study addresses the critical yet under-researched gap regarding how Islamic values and psychological traits concurrently shape entrepreneurs' financial outcomes in the modern economic era. This study aims to analyze the mediating role of Personal Financial Management in the relationship between Islamic Financial Literacy and Locus of Control on Financial Well-Being. Adopting a quantitative approach, data were gathered through structured questionnaires from 120 entrepreneurs and analyzed using Structural Equation Modeling. The findings reveal that both Islamic Financial Literacy and Locus of Control have a positive and significant effect on Personal Financial Management and Financial Well-Being. Notably, Personal Financial Management exerts the strongest direct influence on Financial Well-Being. Importantly, mediation analysis demonstrates that Personal Financial Management successfully mediates the pathways from both financial literacy and internal control toward higher financial well-being. It is concluded that financial knowledge and self-control alone are insufficient to ensure welfare unless they are actively translated into practical financial management behavior. Theoretically, this study extends behavioral finance literature by confirming management behavior as a vital mechanism. Practically, it provides actionable insights for policymakers to design tailored financial education and personal financial management programs rooted in Islamic principles to bolster entrepreneurial resilience.
Co-Authors Abdul jalil Amin Kuncoro, Amin Apriliyani, Umi Ari Kristin Prasetyoningrum Arifa, Denissa Arsad, Muhammad Athoillah, Muhammad Hikam Badingatus Solikhah Bayu Tri Cahya Budiansyah, Ahmad Samudra Alan Elfaz, Maulanisa Arifa Fasya, Muhammad Ardian Ghassani, Amalina Husain, Husna Husnurrosyidah, Husnurrosyidah Irawan, Arya Andi Istianah Istianah Khoirunnisa, Awaliyatu Masturin Masturin Mawaddah, Romdhonah Zahrotul Muhammad Ilham Bakhtiar Murtaja, Rohit Nadhirin, Nadhirin Nasichah, Chanif Nida, Rahma Sofia Ningsih, Endang Nur, Silva Maulida Restuti, Dwi Putri Saputri, Virgie Eka Valencia, Eka Lintang Wahibur Rokhman Widyaningtias, Ayu Zahro, Siti Mudrikatuz Zou, Guijiao