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All Journal IKRA-ITH EKONOMIKA Journal of Education Research in Administration and Management (JERAM) Masip: Jurnal Manajemen Administrasi Bisnis dan Publik Terapan Journal of Engineering Science and Technology Management Abdimas Terapan: Jurnal Pengabdian Kepada Masyarakat Terapan Al-Ihtiram: Multidisciplinary Journal of Counseling and Social Research Indonesian Journal of Emerging Trends in Community Empowerment Journal of Current Research in Humanities, Social Sciences, and Business Journal of Current Research in Management, Policy, and Social Studies
Yedi Sispurwanto
Politeknik Kampar, Bangkinang, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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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.
GREEN GOVERNANCE IN ACTION: REFLEKSI KRITIS ATAS IMPLEMENTASI PRINSIP GREEN BUSINESS MELALUI HUKUM LINGKUNGAN INDONESIA [GREEN GOVERNANCE IN ACTION: A CRITICAL REFLECTION ON THE IMPLEMENTATION OF GREEN BUSINESS PRINCIPLES THROUGH INDONESIA’S ENVIRONMENTAL LAW] Nurbit Nurbit; Hayatul Khairul Rahmat; Yedi Sispurwanto
Al-Ihtiram: Multidisciplinary Journal of Counseling and Social Research Vol. 4 No. 2 (2025)
Publisher : Perkumpulan Ahli Bimbingan dan Konseling Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59027/al-ihtiram.v4i2.1150

Abstract

The implementation of green business principles has increasingly become a strategic necessity for companies in Indonesia, particularly in response to rising regulatory pressures, global market demands, and the urgent need to safeguard environmental sustainability. Various environmental law instruments—such as the Environmental Protection and Management Act (PPLH), derivative regulations related to Environmental Impact Assessment (AMDAL), the PROPER performance rating program, and emission standards—provide a legal framework that indirectly drives the transformation of business practices toward greener models. This paper offers an in-depth discussion of the relationship between environmental regulation and the implementation of green business through a review of international and national literature. The discussion covers the dynamics of environmental law enforcement, challenges faced by industries in implementation, the role of green innovation, and Indonesia’s position in regional and global contexts. The findings indicate that the successful implementation of green business relies not only on strict regulations but also on organizational capabilities, technological support, market mechanisms, and government incentives. This study provides both theoretical and practical contributions on how environmental law can steer structural corporate changes toward sustainability.
Co-Authors A Said Hasan Basri Am, Andri Nofiar Antoni Pribadi Aritonang, Kristian Billah, Mhd. Adil Almu'tasim Burhan Hafid Dzulhijjah Yetti Fitri, Rugaiyah Harmi Yelmi Hayatul Khairul Rahmat Indra Habibie Kurnia, Dedi Kurniawan, Gilang Muchlis R. Luddin, Muchlis R. Mursalim Mursalim Nethania Nava, Lilian Nur Asma Deli Nurbit Nurbit Nurkholis Nurkholis Nurkholis Nurmita, Septia Octora Br. Turnip, Mariana Rahmad Akbar Rukhshah, Muhammad Siregar, Ewi Sarlina Tri Kurniaty