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All Journal International Journal of Engineering, Science and Information Technology International Journal of Educational Review, Law And Social Sciences (IJERLAS) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Unram Journal of Community Service (UJCS) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) International Journal of Education and Digital Learning (IJEDL) International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Social Science Academic Indonesian Journal of Islamic and Social Science (IJISS) Journal of Economics, Management, Development, and Education
Muhammad Multazam
Universitas Bumi Persada
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Physics Social Sciences Transportation Other

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The Effect of Digital Financial Literacy, Fintech Use, and Financial Self- Efficacy on Generation Z Financial Management Behavior in Lhokseumawe Muhammad Multazam; Sutan Febriasyah; Ismuhadi; Yusnidar; Maulana Majied Sumatrani Saragih
Journal of Economics, Management, Development, and Education Vol. 1 No. 2 (2026): Journal of Economics, Management, Development, and Education (JEMDE) edisi Apri
Publisher : Journal of Economics, Management, Development, and Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20273804

Abstract

This study examines the influence of digital financial literacy, fintech use, and financial self-efficacy on the financial management behavior of Generation Z in Lhokseumawe City. The issue is relevant because young consumers are intensive users of mobile banking, e-wallets, QRIS, paylater, and investment applications, while digital access does not always produce disciplined financial decisions. This research applies a quantitative explanatory design with a survey of Generation Z respondents who live in Lhokseumawe and use at least one fintech service. Data will be collected using a Likert-scale questionnaire and analyzed through validity testing, reliability testing, descriptive statistics, and SEM-PLS. Digital financial literacy is measured through knowledge, security awareness, risk evaluation, and the ability to compare digital financial products. Fintech use is measured through frequency, diversity, perceived usefulness, and transaction habits. Financial self-efficacy is measured through confidence in budgeting, saving, debt control, and resisting impulsive spending. The proposed model expects all independent variables to positively affect financial management behavior. This study contributes to digital financial education and youth financial policy in local urban contexts.
KEDUDUKAN HUKUM ISLAM DALAM SISTEM HUKUM DI INDONESIA Muhammad Multazam; Damas Satria; Murtadha; Lisa Humaira
Indonesian Journal of Islamic and Social Science Vol 4 No 1 (2026): Indonesian Journal Of Islamic and Social Science
Publisher : LPPM IAI Almuslim Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/senked64

Abstract

Dalam praktiknya hukum Islam di Indonesia terutama diterapkan dalam bidang hukum keluarga dan perdata tertentu, seperti perkawinan, perceraian, warisan, wakaf, zakat, dan ekonomi syariah. Penerapan hukum tersebut diatur dalam berbagai regulasi, seperti Undang-Undang Perkawinan, Kompilasi Hukum Islam (KHI), serta peraturan terkait peradilan agama. Lembaga Peradilan Agama memiliki kewenangan khusus untuk menyelesaikan sengketa yang berkaitan dengan hukum Islam bagi masyarakat Muslim. Hal ini menunjukkan bahwa hukum Islam telah terintegrasi secara formal dalam sistem hukum nasional. Selain itu keberadaan hukum Islam juga dipengaruhi oleh faktor historis, sosiologis, dan filosofis dalam perkembangan hukum di Indonesia. Sejak masa kerajaan Islam hingga masa kolonial dan pasca kemerdekaan, hukum Islam telah menjadi bagian dari praktik kehidupan masyarakat. Oleh karena itu, negara memberikan ruang bagi penerapan hukum Islam sepanjang tidak bertentangan dengan prinsip-prinsip konstitusi dan keberagaman masyarakat Indonesia. Namun demikian, penerapan hukum Islam dalam sistem hukum nasional tetap berada dalam kerangka negara hukum yang berdasarkan Pancasila dan Undang-Undang Dasar 1945. Hal ini menegaskan bahwa hukum Islam berfungsi sebagai salah satu sumber hukum yang memperkaya sistem hukum nasional, bukan sebagai sistem hukum yang berdiri sendiri secara keseluruhan. Dengan demikian, kedudukan hukum Islam di Indonesia dapat dipahami sebagai bagian integral dari sistem hukum nasional yang hidup dan berkembang sesuai dengan kebutuhan masyarakat serta prinsip keadilan dan kemaslahatan.
Co-Authors AA Sudharmawan, AA Ainol Mardhiah Almunadiya Amru Usman Andi Nurlinda Arliansyah Arliansyah Arliansyah, Arliansyah Aulia, Muhammad Kahfi Ayu Anora Azhari Azhari Damas Satria EM Yusuf Iis Fadli Falahuddin Falahuddin, Falahuddin Fathin, Na’imatul Fauzi Pakpahan Frengki Putra Ramansyah Frengki Putra Ramansyah Fuadi Fuadi Fuadi Hamdiah Hamdiah Hamdiah Hanif Ikram Intan Maulida Irada Sinta Irda Agustina Ismed Wijaya Ismuhadi Ismuhadi Jauharotul Hanifa, Nabila Jumadiah Jumini Jumini Kayacilar, Cengiz Lala Merlita Lasta Irawan, Ari Lia Rista Likdanawati Lisa Humaira Maisyuri Marbawi, Marbawi Maulana Majied Sumatrani Saragih Mohd. Heikal Muammar Khaddafi Muktarullah, Millatina Mursidah Murtadha Muttaqien Muttaqien Muttaqien Muttaqien, Muttaqien Nadia Rizky Ramadhani Ningsih, Eka Utami Nura Usrina Nurul Malikah Rahmiatul Aula Ramansyah, Frengki Putra Raudhatinur Rauzi Ramazalena Reza Juanda Rico Nur Ilham Rifki Rizqi Mahfudi, Muhammad Rusydi Abubakar Saifanur, Andri Sari Yulis Terfiadi Sutan Febriansyah Sutan Febriasyah Sutriani Sutriani Sutriani Syahputri, Lidia T. Edyansyah, T. Edyansyah Tarmizi Abbas Tasyaul Azkia Teuku Afriliansyah Teuku Muhammad Iqbal Utaminingsih, Eka Venna Maulida Mustika Wahyuddin Yusnidar Zulfa Salma Fatin Zuraida