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Umrotul Khasanah
Universitas Islam Negeri Maulana Malik Ibrahim, Malang, Indonesia
Economics, Econometrics & Finance

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Lalabet Financial Analysis: Study of Islamic Economics at Micro Level Ainorrofiqie Ainorrofiqie; Umrotul Khasanah; Akhmad Djalaluddin
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 4 No 1 (2021): Sharia Economic: July, 2021
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v4i1.1506

Abstract

This research aims to explore the model of financial management tradition Lalabet in the village of Babbalan District Batuan Sumenep. This study is based on the fact that occurred in the community about the implementation of traditions carried out by the heirs to family members who died. Interpretative qualitative research is used and an in-depth understanding of a problem that occurs is emphasized more. Based on the results of this study, the financial management tradition Lalabet can be done based on accounting equations. The accounts contained in the accounting equation is not used in its entirety and are reported as are generally financial statements. In this case, the source of funds in carrying out Lalabet tradition is sourced from personal money, money and donations from the family, money from Muslimat, debt, and money or goods from Lalabet's proceeds. The impact is the onset of debt both short-term and long-term. While the expenditure is in the form of costs in taking care of the body, costs for tahlilan (petto'arean), pa'polo, nyatos, nyataon, nyaebu, mangaji, ngin-tangin, nyalenin mayyid, and ajege makam (kep-sekep).
The Effect of Financial Literacy and Financial Technology on Financial Behavior with Financial Confidence as a Moderating Variable (Study on Female Students in Malang City) Rara Wafiq Fauziyah; Umrotul Khasanah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.10442

Abstract

This study aims to analyze the effect of financial literacy and financial technology on financial behavior, with financial confidence serving as a moderating variable among female university students in Malang City. The study was motivated by the increasing use of digital financial services among young adults and the inconsistent findings of previous studies regarding the moderating role of financial confidence. A quantitative approach was employed using primary data collected through online questionnaires distributed to 100 active female university students in Malang City selected through purposive sampling. The respondents were selected based on specific criteria, including active use of financial technology services and experience in independently managing personal finances. The focus on female university students was intended to provide a more specific contextual understanding of financial behavior among young women in higher education. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The findings indicate that financial literacy and financial technology have a positive and significant effect on financial behavior. However, financial confidence was not found to moderate the relationship between financial literacy and financial behavior, nor the relationship between financial technology and financial behavior. These findings suggest that students’ financial behavior is more strongly influenced by financial knowledge and the utilization of digital financial services than by psychological confidence factors. This study contributes to the development of financial behavior literature and provides practical implications for universities and policymakers in improving financial education and digital financial literacy among students.
Co-Authors Ainorrofiqie Ainorrofiqie Akhmad Djalaluddin Rara Wafiq Fauziyah