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Upaya Peningkatan Literasi Keuangan pada Generasi Z Melalui Edukasi Finansial di MAN 2 Kampar Nurbit Nurbit; Dzulhijjah Yetti; Yedi Sispurwanto; Hayatul Khairul Rahmat; Rahmad Akbar; Harmi Yelmi; Nurkholis Nurkholis
Indonesian Journal of Emerging Trends in Community Empowerment Vol. 4 No. 1 (2026): Juni
Publisher : PT Hakhara Akademia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71383/ijetce.v4i1.111

Abstract

Financial literacy in Indonesia, particularly among Generation Z, remains low, with many students lacking an understanding of basic concepts such as budgeting, saving, investing, and managing debt. At MAN 2 Kampar, this issue is exacerbated by limited access to relevant financial information and a lack of practical skills in financial management. This condition causes students to struggle in making sound financial decisions, which may negatively impact their future. To address this problem, the proposed solution is to implement a comprehensive financial education program, including budgeting simulations, investment games, and real-life case studies. This program aims to provide hands-on experience for students, strengthen their understanding of financial management, and improve financial literacy so they can better face future financial challenges.
MEMBANGUN KETAHANAN FINANSIAL KELUARGA MUSLIM: PENGARUH RELIGIUSITAS TERHADAP PERILAKU PENGELOLAAN KEUANGAN Hayatul Khairul Rahmat; A Said Hasan Basri; Mursalim Mursalim; Yedi Sispurwanto
Al-Ihtiram: Multidisciplinary Journal of Counseling and Social Research Vol 5, No 1 (2026)
Publisher : Perkumpulan Ahli Bimbingan dan Konseling Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59027/al-ihtiram.v5i1.1406

Abstract

Muslim families in Indonesia face increasingly complex financial pressures, ranging from rising living costs to the high prevalence of problematic online lending, making the ability to manage household finances soundly an urgent need. Religiosity is believed to be an important driver of responsible financial behavior, yet the mechanism and strength of its influence on family financial management behavior remain mixed in the literature. This study aims to analyze the influence of religiosity on Muslim family financial management behavior, both directly and through the mediation of Islamic financial literacy. This study employed a quantitative causal-explanatory approach with a cross-sectional survey design involving 320 heads of households/spouses responsible for managing household finances in the urban areas of Greater Jakarta, Greater Bandung, and Greater Surabaya, selected through purposive sampling. Data were collected through a five-point Likert-scale questionnaire adapting the Centrality of Religiosity Scale, a basic Islamic financial literacy instrument, and a financial management behavior instrument adjusted to the Sharia context, then analyzed using Structural Equation Modeling-Partial Least Square (SEM-PLS). The measurement model results indicate that all constructs are valid and reliable (loading factor 0.60; AVE 0.50; composite reliability 0.70). Hypothesis testing results show that religiosity has a positive and significant effect on Islamic financial literacy (β = 0.54, p .001) and directly on family financial management behavior (β = 0.31, p .001), Islamic financial literacy has a positive and significant effect on family financial management behavior (β = 0.42, p .001), and Islamic financial literacy partially mediates the effect of religiosity on family financial management behavior (indirect effect β = 0.227, p .001), with a total effect of 0.537. These findings confirm that religiosity fosters healthier family financial behavior particularly when accompanied by adequate Islamic financial literacy, rather than through religious belief alone without sufficient financial knowledge.