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All Journal Tazkia Islamic Finance and Business Review AkMen JURNAL ILMIAH JURNAL MANAJEMEN BISNIS Jurnal Ilmiah Akuntansi Kesatuan Jurnal Pengabdian UNDIKMA Nobel Management Review Paradoks : Jurnal Ilmu Ekonomi Nobel Community Services Journal Journal of Innovative and Creativity Jurnal Abdimas Multidisiplin Celebes Journal of Community Services
- Indrawan Azis, -
Institut Teknologi Dan Bisnis Nobel Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Pengaruh Literasi Keuangan terhadap Pola Konsumsi Rumah Tangga di Era Digital Sri Prilmayanti Awaluddin; Rustan DM; Indrawan Azis; Nur Arini Susanti; Muhammad Zul Fahmi
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.3067

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap pola konsumsi rumah tangga di era digital, dengan fokus pada Kecamatan Galesong, Kabupaten Takalar. Literasi keuangan memainkan peran penting dalam pengelolaan keuangan rumah tangga, dan teknologi digital berperan dalam meningkatkan efisiensi pengelolaan pengeluaran rumah tangga. Penelitian ini menggunakan metode kuantitatif dengan survei yang melibatkan 200 responden rumah tangga di Kecamatan Galesong. Hasil penelitian menunjukkan bahwa rumah tangga dengan literasi keuangan yang lebih tinggi cenderung memiliki pengelolaan keuangan yang lebih efisien dan pola konsumsi yang lebih terkontrol. Selain itu, penggunaan teknologi digital dalam pengelolaan keuangan juga berkontribusi pada pengelolaan anggaran yang lebih baik. Namun, terdapat hambatan yang signifikan terkait dengan rendahnya literasi digital dan akses terbatas terhadap teknologi, yang mempengaruhi kemampuan masyarakat untuk memanfaatkan teknologi finansial secara optimal. Berdasarkan temuan ini, rekomendasi utama adalah meningkatkan literasi keuangan dan digital di kalangan masyarakat melalui pelatihan yang terstruktur serta meningkatkan akses terhadap teknologi digital di daerah pedesaan. Penelitian ini diharapkan dapat memberikan wawasan bagi kebijakan pemerintah dan lembaga keuangan dalam meningkatkan pengelolaan keuangan rumah tangga di era digital.Kata Kunci: Literasi Keuangan, Pola Konsumsi Rumah Tangga, Teknologi Digital, Pengelolaan Keuangan, Literasi Digital, Kecamatan Galesong
Analysis of the Potential and Implementation of Digital Sharia Financing for the Empowerment of Fisherwomen A Blue Economy Study in South Sulawesi Indrawan Azis; Putri Purwandari Hasan; Laode Arahman Nasir
Tazkia Islamic Finance and Business Review Vol. 19 No. 2 (2025): TIFBR
Publisher : Faculty of Islamic Business and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v19i2.446

Abstract

Women fishers play a strategic role in contributing to the coastal economy, engaging in activities ranging from production and processing to distribution and marketing of marine products. However, they continue to face significant barriers in accessing formal sources of financing due to limited collateral assets, low levels of financial literacy, and inadequate access to financial technology in coastal areas. The development of Islamic financial technology, or sharia fintech, presents an opportunity to provide a fair, inclusive, and Sharia-compliant financing system. This study aims to analyze the potential and implementation of a digital-based Sharia financing model for women fishers in South Sulawesi within the framework of a sustainable blue economy. The research adopts a qualitative approach with a case study conducted in Pangkajene and Islands Regency, South Sulawesi. Data were collected through semi-structured interviews with groups of women fishers and administrators of Islamic financial institutions, particularly Islamic cooperatives operating within coastal communities. Data analysis was conducted using thematic analysis, assisted by NVivo 12 Pro software. The results indicate that most women fishers are still in the early stages of the innovation diffusion process—specifically, the knowledge and persuasion stages—thus the utilization of Sharia fintech remains limited. Nevertheless, the potential for adopting Sharia fintech is promising if supported by continuous education, institutional mentoring, and the integration of empowerment programs based on the blue economy. This study recommends the development of an integrated digital Sharia financing model aligned with coastal women’s economic empowerment programs to strengthen financial inclusion in support of a sustainable blue economy.
Sharia Financial Accountability in the Property Sector: Implementation of Murabahah and Istishna’ Transactions Azis, Indrawan; Haeruddin
Jurnal Ilmiah Akuntansi Kesatuan Vol. 14 No. 1 (2026): JIAKES Edisi Februari 2026
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v14i1.4823

Abstract

The growth of the Islamic property industry in Indonesia requires accounting systems that not only comply with financial accounting standards but also align with Sharia principles. The complexity of cash and credit-based home sales transactions places accounting systems as a crucial instrument in ensuring transparency, accountability, and Sharia contract compliance. This study aims to examine the implementation of accounting systems for cash and credit home sales in Islamic property companies, focusing on revenue recognition, contract conformity, and internal control mechanisms. A qualitative case study approach was employed through in-depth interviews, observation, and document analysis. The findings reveal that the company has applied Sharia principles in determining cost structures, profit margins, and contract documentation. However, technical limitations persist, particularly the absence of formal written accounting policies and the lack of digitally integrated accounting systems. These findings emphasize the importance of standardized accounting policies, strengthened accounting information systems, and improved internal controls to support consistent and reliable Sharia-based accounting practices. This study contributes theoretically to Sharia accounting literature in the property sector and practically offers strategic recommendations for developers to enhance the quality of Sharia-based financial reporting.
Co-Authors - Sri Prilmayanti Awaluddin, - ABDUL HAMID HABBE Abdullah Abdullah Andi Harnezia Nizela Andi Marlinah Andi Ummul Khair Andi Widiawati Annisa Aprilia Nur Asbi Amin Dara Ayu Nianty DM, M. Rustan Gagaring Pagalung Haeruddin Irfansyah, Muh. Nur Laode Arahman Nasir Muhammad Zul Fahmi Muntasir, Muntasir Nur Arini Susanti Nur, Yuswari Nurani Nurani Nurani Nurani Orfyanny S.Themba Putri Purwandari Hasan Rahman, Karlina Ghazalah Ramadhani, Febrina Nur Rustam Rustam Sahri Sahri Yasen, Syahruddin