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All Journal Signifikan : Jurnal Ilmu Ekonomi Martabe : Jurnal Pengabdian Kepada Masyarakat Owner : Riset dan Jurnal Akuntansi
Ardi, Pahmi
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Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust Sumar'in, Sumar'in; Ardi, Pahmi; Sumin, Sumin; Kusnadi, Iwan
Signifikan: Jurnal Ilmu Ekonomi Vol 14, No 1 (2025)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44735

Abstract

Research Originality. Despite extensive research on Sharī‘ah financial literacy and fintech trust, their combined impact on illegal loan awareness remains unexplored. This study bridges that gap by analyzing their interaction in financial decision-making amid rising predatory lending, offering a novel perspective on their protective role against unethical financial practicesResearch Objectives. This study aims to examine the effect of Sharī‘ah financial literacy on awareness of illegal online loans, with blockchain technology understanding and Sharī‘ah fintech trust as mediating variables.Research Methods. An associative quantitative approach was employed, utilizing a survey of 519 Indonesian millennial Muslims, selected through simple random sampling. Data analysis was conducted using structural equation modeling (SEM) to explore the relationships among variables.Empirical Results. The findings indicate that Sharī‘ah financial literacy significantly influences blockchain understanding, fintech trust, and awareness of illegal online loans. Blockchain understanding enhances fintech trust but does not directly impact loan awareness, whereas trust in Sharī‘ah fintech positively affects awareness of illegal online lending risks.Implications. This study underscores the importance of improving Sharī‘ah financial literacy and blockchain understanding to strengthen consumer trust in Sharī‘ah fintech and raise awareness of illegal online lending risks. However, further research with broader samples is recommended to validate these findings.JEL Classification: G41, G28, O33, Z12, D83How to Cite:Sumar’in, Ardi. P, Sumin, & Kusnadi, I. (2025). Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 179-196. https://doi.org/10.15408/sjie.v14i1.44735.
Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust Sumar'in, Sumar'in; Ardi, Pahmi; Sumin, Sumin; Kusnadi, Iwan
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44735

Abstract

Research Originality. Despite extensive research on Sharī‘ah financial literacy and fintech trust, their combined impact on illegal loan awareness remains unexplored. This study bridges that gap by analyzing their interaction in financial decision-making amid rising predatory lending, offering a novel perspective on their protective role against unethical financial practicesResearch Objectives. This study aims to examine the effect of Sharī‘ah financial literacy on awareness of illegal online loans, with blockchain technology understanding and Sharī‘ah fintech trust as mediating variables.Research Methods. An associative quantitative approach was employed, utilizing a survey of 519 Indonesian millennial Muslims, selected through simple random sampling. Data analysis was conducted using structural equation modeling (SEM) to explore the relationships among variables.Empirical Results. The findings indicate that Sharī‘ah financial literacy significantly influences blockchain understanding, fintech trust, and awareness of illegal online loans. Blockchain understanding enhances fintech trust but does not directly impact loan awareness, whereas trust in Sharī‘ah fintech positively affects awareness of illegal online lending risks.Implications. This study underscores the importance of improving Sharī‘ah financial literacy and blockchain understanding to strengthen consumer trust in Sharī‘ah fintech and raise awareness of illegal online lending risks. However, further research with broader samples is recommended to validate these findings.JEL Classification: G41, G28, O33, Z12, D83How to Cite:Sumar’in, Ardi. P, Sumin, & Kusnadi, I. (2025). Empowering Loan Awareness: The Role of Sharī‘ah Financial Literacy, Blockchain, and Fintech Trust. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 179-196. https://doi.org/10.15408/sjie.v14i1.44735.
Investigasi Determinan Faktor yang Memengaruhi Penyalahgunaan Aset pada Perguruan Tinggi Ardi, Pahmi; Urumsah, Dekar
Owner : Riset dan Jurnal Akuntansi Vol. 8 No. 3 (2024): Artikel Research July 2024
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v8i3.2107

Abstract

This study uses the fraud star theory approach to analyze the factors that influence asset missaproriation. The factors tested in this study are financial pressure, internal control system, quality of human resources, organizational culture, and integrity. The research uses a quantitative approach with a survey method of dsitributing questionnairies online. A total of 146 respondents related to asset management at univirsities in west kalimantan province became research respondents who were then tested and analyzed using Structural Equation Modelling (SEM) with the help of Smart PLS 3.3.3. The results showed that financial pressure and the quality human resources positively and signifianctly affected asset misuse. Organizational culture has a positive but insignificant effect on asset misuse. While the internal control system has a negative but insignificant effect on asset misuse, integrity has a negative and significant effect on asset misuse. The result of this study contribute as a reference for universities in implementing asset management policies wich can then be seen based on factors that influence asset misuse such as employees or official financial pressure, the quality human resources in the organization, the organizational culture that has been implemented in the organization, and integrity of employees. Good internal control system is also very important in universities an an effort so that asset management in universities can be carried out.
PENGELOLAAN DANA ZAKAT, INFAK DAN SEDEKAH PADA UNIT PENGUMPULAN ZAKAT (UPZ) MASJID SE-KECAMATAN SAMBAS Ardi, Pahmi; Alrizwan, U. Ari; Yuliansyah, Yuliansyah; Larasati, Sita
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 12 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i12.%p

Abstract

Terdapat beberapa kendala Unit Pengumpul Zakat (UPZ) pada masjid di Kecamatan Sambas diantaranya adalah menyusun laporan dana zakat, infak dan sedekah (ZIS) tidak sesuai dengan pedoman standar akuntansi keuangan yang berlaku serta pencatatan yang dilakukan masih menggunakan metode manual. Pengabdian ini bertujuan untuk melakukan penerapan komputerisasi akuntansi dalam penyusunan laporan keuangan dana zakat, infak dan sedekah dengan menggunakan spreadsheets untuk memudahkan Unit Pengumpul Zakat (UPZ) masjid se-Kecamatan Sambas dalam menyusun laporan dana ZIS yang transparan dan akuntabel. Pengabdian yang dilakukan menggunakan tiga (3) metode yaitu pelatihan, simulasi dan pendampingan. Tahap pelatihan adalah memberikan pemahaman kepada UPZ berkaitan dengan zakat infak dan sedekah, peraturan dalam pengelolaan dana ZIS dan penyusunan laporan keuangan berdasarkan pedoman standar akuntansi keuangan ZIS. Selanjutnya tahapan simulasi yaitu pelaksanaan praktik menyusun laporan keuangan dana ZIS menggunakan spreadsheet berdasarkan data keuangan UPZ. Terkahir adalah tahapan pendampingan yaitu tim pengabdian melakukan pendampingan kepada UPZ terakit hambatan yang dihadapi dalam penyusun laporan dana ZIS menggunakan spreadsheet. Hasil akhir dari kegiatan PKM sesuai dengan harapan yaitu meningkatnya pemahaman pengurus UPZ tentang pengelolaan dana ZIS berdasarkan peraturan yang berlaku, pengurus UPZ mampu menyusun laporan keuangan menggunakan sistem spreadsheets akuntansi ZIS. Hambatan utama yang terjadi selama kegiatan pengabdian adalah  adanya beberapa pengurus UPZ yang baru mengenali fitur spreadsheet, sehingga perlu dilakukan pendampingan tambahan oleh tim pengabdian agar pengurus dapat menfaatkan fitur pada spreadsheet dengan efektif dan efesien dalam penyusunan laporan dana ZIS
Co-Authors Alrizwan, U. Ari Dekar Urumsah Kusnadi, Iwan Larasati, Sita Sumar'in, Sumar'in Sumin, Sumin Yuliansyah Yuliansyah