Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Review on Islamic Accounting
Nuwailah
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Young Muslims’ Financial Behavior: Money Attitudes and Financial Literacy by Debt Status Nuwailah; Effendi, Jaenal; Ermawati, Wita Juwita
Review on Islamic Accounting Vol. 4 No. 2 (2024): Review on Islamic Accounting
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/ria.v4i2.603

Abstract

The increasing trend in household consumption debt in Indonesia, especially through digital lending platforms, has become a societal concern. From an Islamic perspective, debt is governed by ethical principles that emphasize fulfilling obligations responsibly and prudently. Achieving this requires self-discipline, supported by informed financial attitudes and knowledge. This study analyzes the effects of attitudes toward money and financial literacy, specifically debt and Islamic financial literacy, on the financial management behavior of young Muslim adults in Indonesia. It also examines differences in these effects between individuals with debt and those without. Data from 245 respondents were collected using structured questionnaires, analyzed through multiple linear regression, and further tested using the Chow Test to compare the two groups. Results indicate that attitudes toward money, debt, and Islamic financial literacy positively affect financial management behavior. However, in partial analysis, only Islamic financial literacy does not significantly impact financial management behavior. Additionally, comparisons between the two groups revealed no significant differences in financial management behavior between those with debt and those without, likely due to similar financial management tendencies across both groups.
Co-Authors JAENAL EFFENDI