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All Journal International Journal of Sustainable Applied Sciences (IJSAS) Al-Iqtishad: Jurnal Ekonomi Syariah
Alifa, Naufal Luthfi
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management Aziz, Abdul; Giantoro Pamungkas; Alifa, Naufal Luthfi; Wendy Wijaya; Layaman
International Journal of Sustainable Applied Sciences Vol. 1 No. 6 (2023): December 2023
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijsas.v1i6.1019

Abstract

Financial management skills are a very important and necessary topic, because currently Indonesians, including Cirebon's digital natives (millennials and generation Z), still do not realise the importance of good financial management habits. Sharia financial technology is one of the digital financial innovations that is useful as a personal financial management tool for its users wherever and whenever they are. However, the development of Islamic fintech is still far behind compared to conventional fintech. This study aims to determine the effect between digital literacy and financial literacy on the use of Islamic fintech moderated by religiosity and its impact on personal financial management. This research was conducted with a quantitative method, using a moderated mediation analysis model. The results showed that digital literacy has a significant positive effect on the use of Islamic fintech, but financial literacy has no positive effect. Meanwhile, religiosity cannot moderate the relationship between digital literacy and the use of Islamic fintech and the relationship between financial literacy and the use of Islamic fintech. And the use of Islamic fintech has an influence on personal financial management.
PENGUATAN PERAN LEMBAGA EKONOMI SYARIAH MELALUI KEBIJAKAN BERKELANJUTAN Muhammad Irfan; Alifa, Naufal Luthfi; Daffa Achmad Fakih; Dimas Abdul Hadi
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 7 No. 01 (2025): Juli-Desember 2025
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v7i01.1382

Abstract

Islamic economic institutions are expected to serve as key drivers of equitable and inclusive development grounded in the values of maqāṣid al-sharīʿah. However, current realities indicate limited integration of sustainability principles and a dominant short-term profit orientation, which constrains the social contribution of Islamic institutions to public welfare. This study focuses on public policies aimed at strengthening the capacity and role of Islamic economic institutions in promoting a sustainable financial system; the implementation of sustainable governance (good governance) to enhance stability and public trust in Islamic financial institutions; the institutional integration of green finance and social finance; and cross-sector collaboration strategies among government, academia, and industry to reinforce an inclusive and globally adaptive Islamic economic ecosystem. The research employs a descriptive qualitative method using a literature review and policy analysis approach. The findings indicate that: (1) strengthening Islamic economic institutions requires comprehensive public policy synergies encompassing regulatory, fiscal, and social dimensions; (2) sustainable governance enhances the legitimacy and competitiveness of Islamic financial institutions; (3) the integration of green finance and social finance plays a strategic role in achieving a socially just and environmentally sustainable economic system; and (4) cross-sector collaboration is a critical factor in formulating adaptive policies aligned with maqāṣid al-sharīʿah amid global change.
Co-Authors Abdul Aziz Daffa Achmad Fakih Dimas Abdul Hadi Giantoro Pamungkas Layaman muhammad irfan Wendy Wijaya