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All Journal JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Ekspektasi: Jurnal Pendidikan Ekonomi ETNIK : Jurnal Ekonomi dan Teknik Accounting and Finance Studies e_Jurnal Ilmiah Riset Akuntansi E-JRM Pena Dimas: Jurnal Pengabdian Masyarakat Archipelago: Jurnal Pengabdian Kepada Masyarakat Iain Ternate Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat KOPEMAS
Naimatul Hasanah
Universitas Islam Malang
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mechanical Engineering Public Health Social Sciences Other

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Religiosity, financial literacy, and frugal living: A holistic pathway to sustainable wealth among young Muslim entrepreneurs Badria, Nuril; Hasanah, Naimatul; Amin, Moh.
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol. 21 No. 2 (2024): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31106/jema.v21i2.22451

Abstract

In recent years, a growing trend among young entrepreneurs to showcase their achievements through hedonistic displays of wealth has emerged, contradicting the core Islamic values of moderation and humility. While most studies have explored the influence of religious values on consumer behavior, research focusing specifically on Muslim entrepreneurs' behavior remains scarce. This study investigates the roles of religiosity, financial literacy, and frugal living intention in building sustainable wealth among young Muslim entrepreneurs in Indonesia. The study collected data from 200 respondents, consisting of Muslim entrepreneurs aged 20–35 years who owned and managed small to medium-sized enterprises in Indonesia. The relationships among these variables were analyzed using path analysis, supported by the bootstrapping technique through Hayes Process. The findings reveal that religiosity plays a significant role in shaping frugal living intentions, driven by Islamic teachings that advocate for simplicity, self-discipline, and ethical accountability. This means that the higher the level of religiosity, the stronger the inclination toward adopting a frugal lifestyle, as individuals are guided by spiritual principles to prioritize mindful and ethical financial behaviors.  Financial literacy further reinforces this relationship by equipping young entrepreneurs with the necessary skills and knowledge to align their financial decisions with their spiritual values.
Optimalisasi Penggunaan Aplikasi Finetiks Untuk Mengurangi Doom Spending Pada Mahasiswa Melalui Edukasi Literasi Keuangan Digital Hasanah, Naimatul; Badria, Nuril
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 4 No 3 (2025): Agustus
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v4i3.238

Abstract

This community service program aimed to enhance digital financial literacy among university students and reduce doom spending behavior through the utilization of the Finetiks application. The activities were conducted in a structured and participatory manner, involving interactive training sessions, case study discussions, application usage simulations, and evaluations using pre-test and post-test instruments. A total of 35 students from various faculties at the Islamic University of Malang, including participants from the Entrepreneurship Program, Tax Center, and supported by the LPKIB (Entrepreneurship Development and Business Incubator Institute), actively engaged in the program. The pre-test results indicated that only 6% of participants could correctly identify the characteristics of doom spending, and only five students reported regularly recording their personal finances. Following the program, significant improvements were observed: 97% of participants answered correctly on the post-test and demonstrated behavioral changes such as tracking daily expenses and creating personal financial plans. These findings suggest that a technology-based educational approach using Finetiks is effective in fostering financial awareness, self-discipline, and healthy financial habits among university students.
The Hierarchical Pyramid Pentuple P Bottom Line as the Implementation of Corporate Social Responsibility Badria, Nuril; Hasanah, Naimatul
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i1.683

Abstract

This study aims to determine the measurement of the achievement of business sustainability of PT. Bank Negara Indonesia Tbk through the pyramid of the bottom line pentuple p hierarchy. The pentuple p bottom line is a reconstruction of the triple bottom line that encourages the implementation of a company's business sustainability, the triple bottom line consists of profit, people and planet into a pentuple bottom line consisting of people, profit, phenotechnology, planet, and Prophet (5P). This study is a non-positivist research that uses a postmodernist paradigm with an imaginary dialogue research method consisting of two professions, namely accountants and investors at PT Bank Negara Indonesia. The results of this study are the pyramid of the bottom line pentuple hierarchy as a measurement of the success of fulfilling social responsibility at PT. Bank Negara Indonesia Tbk. Hierarchical pyramid is a model of corporate obligations starting from people to prophets which are explained at each level. First, people are BNI's efforts to provide benefits and benefits to stakeholders and not exploit or harm a group of people. Second profit is an effort to achieve organizational performance, third Phenotechnology is the fact that the existence or phenomenon of information technology must be an important part in maintaining the survival of an organization. The fourth planet is environmental sustainability, nature must be fought for by BNI, and the last Prophet is the balance of spirituality, mentality, or spirituality in the process of preserving life.
Konsep Nilai Tambah Syariah Berlandaskan Akhlak Qur’ani Hasanah, Naimatul; Badria, Nuril
Jurnal Etnik: Ekonomi-Teknik Vol 2 No 7 (2023): ETNIK : Jurnal Ekonomi dan Teknik
Publisher : Rifa'Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/etnik.v2i7.222

Abstract

Value added is a key concept for measuring income to determine a company's performance. On the other hand, Sharia's added value is economic, intellectual and spiritual. This study aims to build the concept of sharia value added. Study, that is, research in which data collection is done by collecting data from a variety of literature. The results of this research are based on the Qur'anic morality, namely economic value added (in the form of money), mental and spiritual value added (in the form of altruistic feelings, joy and love, sense of brotherhood, justice, truth, honesty and trust, care for nature, and a sense of God's presence) are acquired, processed, and distributed in a lawful manner, and morality is ingrained in every aspect of life as the lifeblood to carry out that mission. increase. The owner of an important treasure, that is, the responsibility of God. Economic value added (in the form of money), mental and spiritual value added (in the form of altruistic feelings, joy and love, sense of brotherhood, justice, truth, honesty and trust, care for nature, and a sense of God's presence)
Frugal Living : Perspektif Generasi Z Melalui Pendekatan Kualitatif Hasanah, Naimatul; Badria, Nuril
Ekspektasi: Jurnal Pendidikan Ekonomi Vol. 9 No. 1 (2024): Juni 2024
Publisher : Program Studi Pendidikan Ekonomi FKIP Universitas Flores

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/jpe.v9i1.4095

Abstract

This research aims to delve into the perspective of Z’S Generation on frugal living through a qualitative approach. Frugal living, or the thrifty lifestyle, has become an intriguing topic amidst the complexity of modern economics. This study employs in-depth interviews and content analysis to understand the views, attitudes, and practices of Generation Z regarding frugal living. The findings indicate that Generation Z has a strong understanding of the importance of managing finances wisely. They associate frugal living with sustainability and social responsibility concepts. However, there are challenges in implementing frugal living, including high consumption temptations and pressures from social environments. This research provides valuable insights into how factors such as peer influence and access to information through social media affect the financial decisions of Generation Z.
Strategi Penerapan Sistem Informasi Akuntansi Pada UMKM (Studi Kasus pada Usaha Permen Lolipop Qiyam di Madyopuro Malang) Adhim, Fauzan; Amin, Moh.; Hasanah, Naimatul
e_Jurnal Ilmiah Riset Akuntansi Vol 14, No 02 (2025): e_Jurnal Ilmiah Riset Akuntansi
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to examine the challenges encountered and to develop strategies for implementing the Accounting Information System (AIS) in the micro, small, and medium enterprise (MSME) Permen Lolipop Qiyam, located in Madyopuro, Malang City. As a sector that plays a crucial role in supporting the national economy, MSMEs continue to face significant difficulties in adopting modern accounting system, particularly due to limited human resources, low accounting knowledge, and inadequate technological and digital infrastructure. The study applies a descriptive qualitative method with a case study approach, where data were obtained through interviews, observations, and documentation involving the owner, manager, and employees directly engaged in financial and operational activities. The results reveal that the financial recording at Permen Lolipop Qiyam is still conducted manually using simple bookkeeping, which leads to financial information that is neither accurate nor systematically organized. To overcome these issues, efforts should focus on enhancing the accounting literacy of business actors, implementing simple and practical financial recording formats, and providing gradual mentoring in the use of digital accounting tools. These measures are expected to improve efficiency, accuracy, and transparency in financial management and to encourage MSMEs to transition toward a sustainable, technology-based digital Accounting Information System.Keywords: Accounting information system, msme, financial recording, competency improvement, digital technology implementation.
Co-Authors A Rifqi Firmansyah Abdul Haris Achmad Berril Pratama Ahmad Hamidan Barelvi Ahmad Mustahiq Akmal Ainun Ulumi Amelia Putri Firdaus Badria, Nuril Bimo Raditya Tanaya Brendah Gita Cahyani Daffanta Rayya Elsandy Daniel Bagus Prasetiyo Dikri Minatur Rohmah Dini Na'imatus Sofia Fatimatullah Fatimatullah Fauzan Adhim Hawi Riqi Iin Nur Inayatullah Kiki Setyowati Lita Cecilia Barros Doutel M. Idris Assyafi’i Madha Dhava Pratama Mariati Mariati Meril Arbela Sari Moh. Amin Mohammad Afrinaldi Primadani Nanik Diah Safitri Nisa Fadillah Aryani Nola Natalingga Najwa Nur Diana Nur Diana Nuril Badria Nuril Badria Rejina Cecilia Nugraha Rendy Setiyawan Revy Mouri Putri Sujarwo Rizky Ayu Farida Romi Chandra Bahari Shabastian Wega Budianto Siti Nurhalizah Tri Setyo Budi Alan Trifita Aisyah M. A Utin Aila Fhariha Wulan Puspitasari Yusrin Riszkiyah