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Literasi keuangan syariah dan transformasi digital: Analisis Perilaku Gen Z dalam pengunaan fintech Mustika, Rika; Sudirman, Iman Fauzi; Burhani, Han Han
Journal of Accounting and Digital Finance Vol. 5 No. 1 (2025): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v5i1.1870

This study aimed to analyze the influence of Islamic financial literacy and digital transformation on Generation Z’s behavior in utilizing Sharia-based financial technology. The research addressed the issue of low Islamic financial literacy levels among young people despite their widespread adoption of digital technologies. A quantitative approach was employed, using survey data from 71 respondents who actively used digital financial services. Multiple linear regression analysis was applied to examine the two independent variables’ partial and simultaneous effects on the dependent variable. The results indicated that Islamic financial literacy positively and significantly influenced the behavior of using financial technology. In contrast, digital transformation did not show a significant partial effect, although both variables significantly impacted Generation Z’s financial behavior. The study concluded that strengthening Islamic financial literacy is essential for shaping responsible financial behavior aligned with Islamic principles.

PENGARUH PENGGUNAAN SISTEM CASHLESS TERHADAP PERILAKU KONSUMTIF GEN Z TASIKMALAYA Maisa, Tria Rizki; Jalaludin, Sandi M; Burhani, Han Han
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 2 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i2.3285

Tujuan dari penelitian ini adalah untuk menganalisis pengaruh penggunaan sistem cashless terhadap perilaku konsumtif Gen Z, dengan fokus pada mahasiswa di Pendidikan Tinggi Idrisiyyah Tasikmalaya. Studi ini dilatarbelakangi oleh maraknya penggunaan sistem cashless yang dinilai lebih praktis dan efisien. Penelitian dilakukan dengan pendekatan kuantitatif dan menggunakan teknik simple random sampling untuk memilih 71 responden. Analisis data mencakup pengujian validitas dan reliabilitas instrumen, uji asumsi klasik, serta analisis regresi linier sederhana yang dilakukan melalui aplikasi SPSS versi 24. Berdasarkan hasil analisis, ditemukan bahwa penggunaan sistem cashless memberikan pengaruh yang positif dan signifikan terhadap perilaku konsumtif, dengan nilai koefisien regresi sebesar 0,638 dan tingkat signifikansi 0,000. Temuan ini mengisyaratkan bahwa frekuensi penggunaan sistem cashless berkorelasi positif dengan meningkatnya perilaku konsumtif. Oleh karena itu, kemudahan akses terhadap penggunaan sistem cashless turut menjadi faktor pendorong dalam meningkatnya perilaku konsumtif Gen Z pada mahasiswa di Pendidikan Tinggi Idsrisiyyah

Bullying verbal perspektif tasawuf (studi analisis pemikiran Al-Ghazali tentang maksiat lisan dalam bidāyatul hidāyah) Raihan Kenny, Muhammad; Alfarisi, Salman; Hanhan Burhani
Hikamia: Jurnal Pemikiran Tasawuf dan Peradaban Islam Vol. 5 No. 1 (2025): Hikamia: Jurnal Pemikiran Tasawuf dan Peradaban Islam
Publisher : Ma'had Aly Idrisiyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58572/hkm.v5i1.190

Abstract This study explores the issue of verbal bullying, a behavior often underestimated in society. In truth, it represents a moral deviation and a manifestation of spiritual illness. Al-Ghazali asserts that harmful speech is a reflection of a corrupted heart. The aim of this research is to examine the concept of verbal bullying from Al-Ghazali’s perspective as presented in Bidayatul Hidayah. Employing a qualitative approach through content analysis, this study draws primarily on Bidayatul Hidayah as a main source, supported by relevant secondary materials. According to Imam Al-Ghazali, verbal transgressions that constitute verbal bullying include idle talk, insults, humiliation of others, backbiting, vulgar or obscene language, and lying. As a remedy for these issues, he emphasizes the importance of ash-shamt (silence) and tazkiyah an-nafs (self-purification). Keywords: Verbal Bullying, Al-Ghazali, Verbal Sins, Bidayatul Hidayah Abstrak Penelitian ini membahas tentang bullying verbal yang sering dianggap remeh oleh manusia pada zaman ini. Padahal merupakan bentuk dari penyimpangan akhlak dan penyakit hati. Al-Ghazali berpendapat bahwa ucapan negatif mencerminkan kerusakan hati. Tujuan dari penelitian ini adalah untuk mengetahui gambaran mengenai bullying verbal menurut tasawuf Al-Ghazali, dalam kitab bidāyatul hidāyah. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan pendekatan konten analisis. Sedangkan data yang dikumpulkan pada penelitian ini bersumber dari data primer yaitu kitab Bidayatul Hidayah serta data sekunder yang merupakan data-data pendukung untuk melengkapi dan membuat penelitian ini menjadi lebih baik. Berdasarkan hasil analisis mengenai bahaya lisan dalam penelitian ini yang mengarah kepada bullying verbal dalam kitab Bidayatul Hidayah menurut pandangan Imam Al-Ghazali adalah termasuk didalamnya ucapan tak berguna, melaknat, meremehkan, menggunjing, ucapan keji dan cabul, serta pembicaraan mengenai kebatilan. Adapun terapi untuk mengatasi hal tersebut Imam Al-Ghazali menjelaskan ash-shumt (diam), dan tazkiyah an-nafs. Kata Kunci: Bullying Verbal, Al-Ghazali, maksiat lisan, bidayatul Hidayah

Bullying verbal perspektif tasawuf (studi analisis pemikiran Al-Ghazali tentang maksiat lisan dalam bidāyatul hidāyah) Raihan Kenny, Muhammad; Salman Alfarisi; Hanhan Burhani
Hikamia: Jurnal Pemikiran Tasawuf dan Peradaban Islam Vol. 5 No. 2 (2025): Hikamia: Jurnal Pemikiran Tasawuf dan Peradaban Islam
Publisher : Ma'had Aly Idrisiyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58572/hkm.v5i2.194

Abstract This study explores the issue of verbal bullying, a behavior often underestimated in society. In truth, it represents a moral deviation and a manifestation of spiritual illness. Al-Ghazali asserts that harmful speech is a reflection of a corrupted heart. The aim of this research is to examine the concept of verbal bullying from Al-Ghazali’s perspective as presented in Bidayatul Hidayah. Employing a qualitative approach through content analysis, this study draws primarily on Bidayatul Hidayah as a main source, supported by relevant secondary materials. According to Imam Al-Ghazali, verbal transgressions that constitute verbal bullying include idle talk, insults, humiliation of others, backbiting, vulgar or obscene language, and lying. As a remedy for these issues, he emphasizes the importance of ash-shamt (silence) and tazkiyah an-nafs (self-purification). Keywords: Verbal Bullying, Al-Ghazali, Verbal Sins, Bidayatul Hidayah Abstrak Penelitian ini membahas tentang bullying verbal yang sering dianggap remeh oleh manusia pada zaman ini. Padahal merupakan bentuk dari penyimpangan akhlak dan penyakit hati. Al-Ghazali berpendapat bahwa ucapan negatif mencerminkan kerusakan hati. Tujuan dari penelitian ini adalah untuk mengetahui gambaran mengenai bullying verbal menurut tasawuf Al-Ghazali, dalam kitab bidāyatul hidāyah. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan pendekatan konten analisis. Sedangkan data yang dikumpulkan pada penelitian ini bersumber dari data primer yaitu kitab Bidayatul Hidayah serta data sekunder yang merupakan data-data pendukung untuk melengkapi dan membuat penelitian ini menjadi lebih baik. Berdasarkan hasil analisis mengenai bahaya lisan dalam penelitian ini yang mengarah kepada bullying verbal dalam kitab Bidayatul Hidayah menurut pandangan Imam Al-Ghazali adalah termasuk didalamnya ucapan tak berguna, melaknat, meremehkan, menggunjing, ucapan keji dan cabul, serta pembicaraan mengenai kebatilan. Adapun terapi untuk mengatasi hal tersebut Imam Al-Ghazali menjelaskan ash-shumt (diam), dan tazkiyah an-nafs. Kata Kunci: Bullying Verbal, Al-Ghazali, maksiat lisan, bidayatul Hidayah

THE DILEMMA OF THE DEBT SYSTEM IN GROCERY STORE: BETWEEN INCREASING CONSUMER PURCHASING POWER AND SELLER FINANCIAL MANAGEMENT (A STUDY OF GROCERY STORE IN TELUKNAGA DISTRICT) Nina Farhana Yushof; Iman Fauzi Sudirman; Han Han Burhani
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.894

This study aims to analyze the dilemma of implementing a debt system in grocery stores in relation to increasing consumer purchasing power and managing vendor finances. The debt system is a common practice in micro-enterprises based on trust and social relations, especially among low-income communities. The research method used was a qualitative approach with a case study design at a grocery store in Teluknaga District. Data were obtained through in-depth interviews, observations, and documentation of the store owners and customers, then analyzed using the Miles and Huberman model. The results show that the debt system plays a significant role in helping consumers maintain purchasing power and meet basic needs amid economic constraints. In addition, this practice can also increase customer loyalty and strengthen social relationships between sellers and consumers. However, the debt system also poses various challenges for sellers, particularly related to cash flow management, increased risk of bad debts, and hampered business capital turnover. This condition creates a dilemma for business actors between maintaining social relationships with customers and maintaining business financial stability. Therefore, a more structured debt management strategy is needed, such as limiting the amount of debt, systematic record-keeping, and payment monitoring to minimize risks without eliminating the social function of the debt system. This research contributes to understanding the dynamics of the informal economy and decision-making in micro-enterprises.

THE DILEMMA OF THE DEBT SYSTEM IN GROCERY STORE: BETWEEN INCREASING CONSUMER PURCHASING POWER AND SELLER FINANCIAL MANAGEMENT (A STUDY OF GROCERY STORE IN TELUKNAGA DISTRICT) Nina Farhana Yushof; Iman Fauzi Sudirman; Han Han Burhani
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 2 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i2.894

This study aims to analyze the dilemma of implementing a debt system in grocery stores in relation to increasing consumer purchasing power and managing vendor finances. The debt system is a common practice in micro-enterprises based on trust and social relations, especially among low-income communities. The research method used was a qualitative approach with a case study design at a grocery store in Teluknaga District. Data were obtained through in-depth interviews, observations, and documentation of the store owners and customers, then analyzed using the Miles and Huberman model. The results show that the debt system plays a significant role in helping consumers maintain purchasing power and meet basic needs amid economic constraints. In addition, this practice can also increase customer loyalty and strengthen social relationships between sellers and consumers. However, the debt system also poses various challenges for sellers, particularly related to cash flow management, increased risk of bad debts, and hampered business capital turnover. This condition creates a dilemma for business actors between maintaining social relationships with customers and maintaining business financial stability. Therefore, a more structured debt management strategy is needed, such as limiting the amount of debt, systematic record-keeping, and payment monitoring to minimize risks without eliminating the social function of the debt system. This research contributes to understanding the dynamics of the informal economy and decision-making in micro-enterprises.

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