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All Journal IKRA-ITH EKONOMIKA EKONOMIKA45 International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT)
Wahyuni Sirait
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Computer Science & IT Economics, Econometrics & Finance Education Health Professions

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Literasi Keuangan Syariah untuk Generasi Milenial dalam Menggunakan Produk Keuangan Halal Wahyuni Sirait; Siti Nur Rohmah; Intan Dinda; Meliyani Meliyani
EKONOMIKA45 :  Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan Vol. 12 No. 2 (2025): Juni: Jurnal Ilmiah Manajemen, Ekonomi Bisnis, Kewirausahaan
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/ekonomika45.v12i2.4321

Abstract

Sharia financial literacy plays a crucial role in shaping the financial behavior of millennials, especially in selecting halal financial products. Amid the rapid growth of the Islamic finance industry, a clear understanding of fundamental concepts such as contracts (akad), usury (riba), and halal-haram distinctions is essential. This study aims to explore the level of sharia financial literacy among millennials and its influence on their preference for halal financial services. Using a qualitative method with literature study and observation, this research investigates patterns and awareness in financial decision-making. The findings indicate that higher literacy levels correlate positively with the use of sharia-compliant products, showing that informed millennials are more likely to support ethical and syariah-based financial systems. The study concludes that enhancing financial literacy can strengthen the role of millennials in developing a sustainable Islamic economic ecosystem in Indonesia.
ANALYSIS OF THE INFLUENCE OF TRUMP'S IMPORT TARIFFS AND GOLD PRICES ON SHARIA-BASED INVESTMENT DECISIONS Wahyuni Sirait; Wahyuni; Meliyani; Intan Dinda
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 1: IHERT (2023) FIRST ISSUE: International Conference on Health Science, Green Economics,
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i1.469

Abstract

Islamic financial literacy plays an important role in shaping the financial behavior of the millennial generation, especially in choosing halal financial products. In the midst of the rapid development of the Islamic finance industry, understanding basic concepts such as contracts, usury, and halal-haram limits is essential. This study aims to examine the level of Islamic financial literacy in the millennial generation and its influence on the preference for using halal financial services. Using qualitative methods through literature studies and observations, this study traces the patterns and awareness of millennials in financial decision-making. The results of the study show that a high level of literacy is directly proportional to the use of sharia-compliant products. This indicates that the millennial generation, who have a good understanding, tends to support an ethical and Sharia-based financial system. This study concludes that increasing financial literacy can strengthen the role of millennials in building a sustainable Islamic economic ecosystem in Indonesia.
PERAN BUDAYA INDIA MUSLIM DAN MELAYU TERHADAP PERTUMBUHAN USAHA MIKRO KECIL MENENGAH MAKANAN HALAL DI KAMPUNG MADRAS MEDAN Wahyuni Sirait; Eli Agustami; Nurhudawi
IKRAITH-EKONOMIKA Vol. 9 No. 2 (2026): IKRAITH-EKONOMIKA Vol 9 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

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Abstract

Penelitian ini bertujuan untuk menganalisis peran budaya India Muslim dan Melayu dalam pengembangan UMKM makanan halal di Kampung Madras, Kota Medan. Metode yang digunakan adalah pendekatan kualitatif dengan jenis penelitian deskriptif. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi, dan dokumentasi. Informan dalam penelitian ini berjumlah 12 orang yang dipilih secara purposive, terdiri dari pelaku UMKM dari latar belakang budaya India Muslim dan Melayu. Hasil penelitian menunjukkan bahwa budaya India Muslim berperan dalam menjaga keaslian produk, terutama pada cita rasa dan konsistensi prinsip kehalalan, sedangkan budaya Melayu berperan dalam kemampuan adaptasi terhadap selera pasar dan memperluas jaringan konsumen. Interaksi kedua budaya tersebut menciptakan sinergi yang memberikan nilai tambah dan meningkatkan daya saing UMKM. Selain itu, keberadaan UMKM juga memberikan dampak positif terhadap pertumbuhan ekonomi lokal melalui peningkatan pendapatan dan penciptaan lapangan kerja. Namun, pelaku UMKM masih menghadapi kendala seperti keterbatasan modal dan persaingan usaha. Oleh karena itu, diperlukan upaya penguatan strategi usaha berbasis budaya agar keberlanjutan UMKM tetap terjaga.Kata Kunci :Budaya India Muslim, Melayu, UMKM, Makanan Halal, Kampung Madras
Co-Authors Eli Agustami Intan Dinda Meliyani Meliyani Meliyani Nurhudawi Siti Nur Rohmah WAHYUNI