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All Journal juremi: jurnal riset ekonomi
Rachman Hadi
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Economics, Econometrics & Finance

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URGENSI LITERASI KEUANGAN SYARIAH BAGI IBU RUMAH TANGGA DI ERA DIGITAL Raisa Dea Fitrasari; Zakiyatul Amaliyah; Ruslan Abdul Gani; Rachman Hadi
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 1: Juli 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v5i1.10981

Abstract

Transformasi digital telah membawa perubahan yang signifikan dalam perilaku keuangan masyarakat, termasuk keluarga. Ibu rumah tangga sebagai manajer keuangan keluarga tentunya memiliki peran penting dalam stabilitas finansial rumah tangga, namun seringkali belum dibekali dengan pemahaman yang memadai mengenai prinsip-prinsip keuangan syariah. Penelitian ini bertujuan untuk mengkaji urgensi literasi keuangan syariah bagi ibu rumah tangga di era digital melalui pendekatan studi literatur. Kajian dilakukan terhadap 7 sumber ilmiah yang mencakup artikel jurnal nasional dan internasional, laporan lembaga keuangan, serta publikasi kebijakan yang relevan. Hasil kajian menunjukkan bahwa literasi keuangan syariah tidak hanya berkontribusi pada peningkatan kualitas pengambilan keputusan keuangan, tapi juga berperan dalam melindungi keluarga dari risiko konsumtif akibat kemudahan akses layanan keuangan digital, seperti pinjaman online dan paylater. Selain itu, literasi ini menjadi instrumen penting dalam memperkuat nilai spiritual, tanggung jawab sosial, dan keberlanjutan ekonomi keluarga Muslim. Penelitian ini merekomendasikan perlunya intervensi edukatif yang terintegrasi antara literasi keuangan syariah dan literasi digital, serta dukungan kebijakan yang lebih luas dari lembaga keuangan dan pemerintah dalam membangun ketahanan ekonomi rumah tangga berbasis syariah
STUDI LITERATUR: IMPLEMENTASI DAN DAMPAK PENGGUNAAN ANALISIS ANGGARAN TERHADAP PENGENDALIAN KEUANGAN DI INDUSTRI MANUFAKTUR Ravel Anwar; Zakiyatul Amaliyah; Raisa Dea Fitrasari; Rachman Hadi
Juremi: Jurnal Riset Ekonomi Vol. 3 No. 6: Mei 2024
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/juremi.v3i6.7778

Abstract

Managing finances within the manufacturing industry is crucial to a company's success. Without adequate control, companies may face the risk of inflated production costs and financial losses. Budget analysis, through the periodic creation, monitoring, and evaluation of budgets, is an essential tool for financial planning and control. This research reviews the literature on the implementation and impact of budget analysis in financial control within the manufacturing industry. The scope encompasses the implementation process, the use of technology, constraints, challenges, and their impact on the effectiveness of financial control, operational efficiency, accountability, transparency, and financial performance. The methodology employed is a literature review from sources such as Google Scholar, JSTOR, ScienceDirect, and IEEE Xplore, using keywords such as 'budget analysis' and 'financial control.' The data collection procedure involves searching, evaluating abstracts, selecting articles, and conducting an in-depth analysis. The findings indicate that budget analysis can enhance operational efficiency, reduce costs, and improve accountability and transparency, collectively enhancing the company's financial performance. The challenges encountered include resistance from organizational culture and the need for technological adaptation. The recommendations include investing in staff training, adopting appropriate technology, and enhancing transparency
Co-Authors Raisa Dea Fitrasari Ravel Anwar Ruslan Abdul Gani Zakiyatul Amaliyah