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All Journal International Journal of Islamic Educational Research Journal of Business Integration Competitive
Ibrahim Mallam Fali
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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The Urgency of Education in Supporting the Country's Eco-nomic Development Through the Human Capital Theory Approach Isma Yulia Sofiani; Miftahus Surur; May Husnul Khotimah; Sugianto Sugianto; Ibrahim Mallam Fali
International Journal of Islamic Educational Research Vol. 2 No. 4 (2025): October : International Journal of Islamic Educational Research
Publisher : Asosiasi Riset Ilmu Pendidkan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijier.v2i4.432

Abstract

This article raises the academic issue of the low contribution of education quality to economic development in several developing countries, including Indonesia. This problem arises due to limited investment in developing quality human resources. Education plays a strategic role in shaping the intellectual capacity, skills, and productivity of the workforce, which are the foundation of sustainable economic growth. The purpose of this study is to analyze the urgency of education in supporting economic development through the perspective of Human Capital Theory, which emphasizes the importance of investing in people as a primary development asset. This study uses a desk study method by reviewing various academic literature, previous research results, and reports from international institutions regarding the relationship between education and economic growth. The results show that education plays a crucial role in driving economic and social development through the development of competent human resources. Based on human capital theory, investment in education can improve individual capabilities and societal welfare. Developed countries such as Finland, Japan, and Singapore have successfully demonstrated that large budget allocations to the education sector can sustainably increase economic productivity. However, developing countries and Muslim countries still face obstacles such as unequal access, limited facilities, and low teaching quality. Meanwhile, education in Muslim countries needs to be strengthened through curriculum reform and improved teaching quality to produce a skilled and globally competitive generation.
Digital Knowledge and Financial Resilience as Determinants of Financial Behavior: Evidence from Indonesia Amin Hou; Muhammad Restu Razaq; Ibrahim Mallam Fali; Leony Hoki; Prianda Pebri
Journal of Business Integration Competitive Vol. 2 No. 1 (2025): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i1.29

Abstract

Financial resilience (FR) and digital knowledge (DK) are two significant things that affect how people behave with money in the digital financial ecosystem, especially in developing nations like Indonesia. This study seeks to examine the mediating function of FR in the correlation between DK and FB among digital financial users in Medan City. This research employs a quantitative methodology, gathering data via an online survey of 230 participants who are active users of digital financial platforms, including e-wallets, mobile banking, and fintech lending. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to investigate the association between the postulated variables. The findings indicate that DK exerts a favorable and significant influence on both FR and FB, while FR similarly impacts FB positively. Furthermore, FR has been shown to partially moderate the link between DK and FB. This suggests that people who know more about digital technology tend to be better at handling money, which indicates that they are more responsible and healthy with their money. These results corroborate that digital competence enhances access to financial services and fortifies individuals' capacity to manage financial stress and make judicious financial decisions. This work theoretically enhances the behavioral finance literature by emphasizing the significance of incorporating digital literacy and financial resilience as essential factors influencing prudent financial behavior in the digital era. In practice, the findings of this study suggest that governments and financial institutions should develop complete digital financial education programs that emphasize both technical competencies and psychological preparedness to confront contemporary financial difficulties
Co-Authors Amin Hou Isma Yulia Sofiani Leony Hoki May Husnul Khotimah Miftahus Surur Muhammad Restu Razaq Prianda Pebri Sugianto Sugianto