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All Journal Neraca Manajemen, Akuntansi, dan Ekonomi Journal of Sharia Business Management
Sabrina Noor Wijaya
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Economics, Econometrics & Finance Environmental Science Social Sciences Other

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DAMPAK PENURUNAN KELAS MENENGAH TERHADAP KONSUMSI RUMAH TANGGA DAN PERTUMBUHAN EKONOMI Cici Ananta Siagian; Putri Nurul Zulia Lubis; Sabrina Noor Wijaya
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 13 No. 11 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v13i11.10083

Abstract

This article discusses the important role of the middle class in the Indonesian economy and the impact of its decline on household consumption and economic growth. The middle class is considered the main driver of economic growth, contributing significantly through high consumption and entrepreneurship that creates jobs. This research shows that a larger proportion of the middle class is associated with faster economic growth, and that a decline in the size of the middle class, especially due to the impact of the COVID-19 pandemic, could result in increased social and economic instability. Using a qualitative approach and literature study, this article highlights the urgency of government policy support to strengthen the middle class through creating quality jobs, improving education, and access to investment. These findings emphasize that the existence of a strong and growing middle class is key to achieving inclusive and sustainable economic growth in Indonesia, as well as the importance of greater attention to the middle class in the formulation of economic policies.
ANALISIS PERSEPSI MAHASISWA TERHADAP LITERASI KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PRIBADI M. Azy Rahmanda; Sabrina Noor Wijaya; Abdul Azis; Sinta Nova; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The development of digital technology has driven significant transformations in the financial system, including among university students, a young age group that predominantly uses digital financial services. Students are increasingly familiar with the use of e-wallets, mobile banking, and digital investments in their daily financial activities. However, the high adoption rate of these services is not always accompanied by adequate levels of digital financial literacy. This study aims to analyze students’ perceptions of digital financial literacy and its implications for personal financial management. The research method used a qualitative approach through literature review by analyzing journal articles, books, and relevant scientific documents. The results indicate that students’ understanding of e-wallets, mobile banking, and digital investments positively influences personal financial management behaviors, such as budget planning, spending control, and saving and investment decisions. However, limited understanding of the risks, data security, and long-term consequences of using digital financial services remains a major challenge. Therefore, improving digital financial literacy that is applicative and practice-oriented is needed to support wiser and more sustainable personal financial management of students in the digital era
Co-Authors Abdul Azis Cici Ananta Siagian M. Azy Rahmanda Putri Nurul Zulia Lubis Reni Ria Armayani Hasibuan Sinta Nova