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All Journal Sumbula : Jurnal Studi Keagamaan, Sosial dan Budaya Moneta : Journal of Economics and Finance
Samani
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Religion Economics, Econometrics & Finance Education

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The Influence of Income, Islamic Financial Literacy, and Education on Well-Being through Financial Planning in Semarang Sapta, Andriyan Eka; Samani; Nurhayati, Ida; Karyanti, Tutik Dwi; Wardana, Yanuar Wendy
Moneta : Journal of Economics and Finance Vol. 3 No. 3 (2025): July 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v3i3.819

Abstract

The COVID-19 pandemic has caused economic instability in Indonesia, including in Semarang City, which has impacted the increasing poverty rate and difficulties in managing family finances. Under these conditions, financial literacy and financial planning have become crucial aspects that can help society face economic challenges. This research examines how income, Islamic financial literacy, and education influence community welfare through financial planning in the context of post-pandemic economic recovery. This research uses the Structural Equation Model (SEM) method based on variance with AMOS version 20 and involves 149 respondents selected using purposive sampling technique to analyze the relationships between income, Islamic financial literacy, education, financial planning, and welfare. The research results show that income does not have a significant influence on financial planning, while Islamic financial literacy and education have positive influences on financial planning. The study confirms that good financial planning contributes significantly to improving community welfare, with families having mature financial strategies being better able to achieve economic stability. These findings confirm the importance of improving Islamic financial literacy and broader access to education as main strategies to enhance community welfare. With better financial understanding, society can be wiser in managing income and developing more effective financial planning to achieve a more prosperous life, particularly in post-pandemic economic recovery contexts.
KONSEP HIDUP BAHAGIA DI DUNIA DAN AKHIRAT Samani; Latif, Imam Mashudi
Sumbula: Jurnal Studi Keagamaan, Sosial dan Budaya Vol 9 No 1 (2024): Sumbula: Jurnal Studi Keagamaan, Sosial dan Budaya
Publisher : Fakultas Agama Islam Universitas Darul 'Ulum Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32492/sumbula.v9i1.5692

Abstract

This article focuses on a happy life according to the Qur'an. Happiness is described using the term sa'ada. Explaining several concepts of happiness that are also quoted from several scholars and scientists, as well as Muslim and non-Muslim practitioners as a comparison. This research is a type of library research, book survey or documentary research. The process of collecting data from various literatures, both in libraries and other places, such as other written document materials, such as magazines, newspapers and others. Data analysis uses Content Analysis which is directed at exploring documents or texts that are widely published regarding the theme of the research. The results of the study indicate that there is a common misunderstanding that happiness is described as material excess, abundant wealth, luxury, reward and heaven. The concept of happiness according to Islam can be obtained in the world and also in the hereafter. The Qur'an distinguishes between pleasure and happiness. Happiness (al-sa'a>dah, al-falah) is not only about fulfilling desires or lusts, but also two important aspects in ourselves, namely affective (emotional) and cognitive (logical). This is also different from pleasure (pleasure, al-farh, al-surru>r). Keywords: Life, Happiness, World, Hereafter
Co-Authors Ida Nurhayati Karyanti, Tutik Dwi Latif, Imam Mashudi Sapta, Andriyan Eka Wardana, Yanuar Wendy