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All Journal JOURNAL OF ECONOMICS EDUCATION AND ENTREPRENEURSHIP JIB : Journal Islamic Banking
Rohim, Ahmad Miftahur
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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The Effect of Financial Education in The Family, Financial Literature, and Self-Control on Financial Management through Consumption Rationality Rohim, Ahmad Miftahur; Haryono, Agung; Wardoyo, Cipto
Journal of Economics Education and Entrepreneurship Vol 3, No 1 (2022): JEE, April 2022
Publisher : Program Studi Pendidikan Ekonomi FKIP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jee.v3i1.5131

Abstract

The purpose of this research is to analyze the influence of family financial socialization, financial literacy, self-control, and rationality of consumption on money management of Bachelor students of faculty Economics Universitas Negeri Malang Class of 2017. This research conducts in quantitative which has an explanation method. The data collection uses a questionnaire for 291 students as the samples. The data analysis uses Path analysis of SPSS program version 26. The results of the analysis test in this study indicate that family financial socialization, financial literacy, self-control, and rationality of consumption affect the money management of Bachelor Students of Faculty Economics Universitas Negeri Malang Class of 2017.
Digital Transformation and the Application of Artificial Intelligence in the Financial Sector Kosh Jr, Emory; Rohim, Ahmad Miftahur
Jurnal Perbankan Syariah Vol 5 No 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Nahdlatul Ulama Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51675/jib.v5i1.1076

Abstract

Abstract: The digital transformation driven by advances in Artificial Intelligence (AI) has fundamentally changed the way the financial sector operates. This study aims to analyze the application of AI and digital technologies in the financial industry, including banking, fintech, and insurtech, as well as to identify the benefits, challenges, and future prospects. Using a qualitative approach based on literature review, the findings reveal that AI significantly contributes to operational efficiency, service personalization, and the expansion of financial inclusion. The implementation of technologies such as machine learning, NLP-based chatbots, robo-advisory platforms, and user data processing in insurance has enhanced the speed, accuracy, and reach of financial services. Nevertheless, major challenges remain, particularly in terms of data privacy protection, algorithmic bias, and cybersecurity. This study recommends strengthening regulations and developing adaptive security systems to ensure that financial digitalization proceeds in a safe, fair, and sustainable manner.
Co-Authors Agung Haryono Cipto Wardoyo Kosh Jr, Emory