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Mawadah, Badriatul
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Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Social Sciences

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Determinants of financial well-being in young adults' quarter-life crisis Mawadah, Badriatul; Sumiati, Sumiati
Jurnal Ekonomi dan Bisnis Vol. 28 No. 2 (2025)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v28i2.12647

Abstract

Penelitian ini mengkaji determinasi kesejahteraan finansial, yaitu literasi keuangan, tekanan keuangan, inklusi keuangan, dan kesehatan finansial, pada masyarakat dewasa muda usia 25-35 tahun di Blitar, Jawa Timur yang sedang mengalami fenomena krisis seperempat kehidupan. Berbeda dengan penelitian sebelumnya yang cenderung mengkaji faktor-faktor tersebut secara terpisah, keterbaharuan penelitian ini terletak pada pengenalan konsep baru, yaitu bagaimana kesehatan finansial mempengaruhi kesejahteraan finansial melalui peran mediasi terhadap literasi keuangan, tekanan keuangan, dan inklusi keuangan. Dengan desain penelitian kuantitatif, data dikumpulkan melalui kuesioner dan dianalisis menggunakan pendekatan SEM-PLS dengan sampel masyarakat usia produktif di Blitar. Hasil penelitian menunjukkan bahwa literasi keuangan, inklusi keuangan, dan kesehatan finansial berpengaruh positif signifikan terhadap kesejahteraan finansial, sedangkan tekanan keuangan berpengaruh negatif signifikan. Temuan ini mengindikasikan bahwa kesejahteraan finansial dewasa muda yang mengalami krisis seperempat kehidupan tidak hanya dipengaruhi oleh pengetahuan dan akses keuangan, tetapi juga oleh kemampuan mengelola tekanan keuangan dan menjaga kesehatan finansial. Implikasi praktisnya adalah pentingnya program terpadu yang mengombinasikan literasi keuangan, manajemen tekanan keuangan, dan strategi peningkatan kesehatan finansial guna membantu kaum muda mencapai stabilitas finansial di fase kehidupan yang krusial ini.
Kesenjangan Konsep dan Praktik Akad Mudharabah pada Pembiayaan Mikro: Peran Transformasi Digital di Bank Syariah Indonesia Mawadah, Badriatul; Sabila, Chen Chen Aprilia
MDP Student Conference Vol 5 No 1 (2026): The 5th MDP Student Conference 2026
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v5i1.15505

Abstract

This study aims to examine the gap between the normative concept and operational practice of mudharabah contracts in microfinance at Bank Syariah Indonesia (BSI), as well as to analyze the role of digital transformation and sharia supervision in supporting their implementation. A qualitative descriptive approach was employed using a literature-based method, drawing on BSI annual reports (2024–2025), Islamic banking statistics from the Financial Services Authority (OJK), DSN–MUI fatwas, and relevant scholarly articles published between 2020 and 2025. The findings indicate that mudharabah funds at BSI are predominantly utilized for fund mobilization, particularly through mudharabah deposits, while their application in microfinance remains limited. Operationally, BSI’s microfinance products are largely dominated by murabahah and ijarah contracts due to risk mitigation and payment certainty considerations. Digital transformation—through online financing applications, digital profiling, real-time reporting, and early warning systems—has the potential to enhance transparency and reduce moral hazard risks. The role of the Sharia Supervisory Board (SSB) becomes increasingly strategic in ensuring sharia compliance in the digital era. This study highlights the importance of strengthening digital infrastructure and financial literacy to optimize mudharabah-based microfinance.
Co-Authors Donny Dharmawan Sabila, Chen Chen Aprilia Saut Maruli Tua Pandiangan Sumiati Sumiati Suratminingsih, Suratminingsih Victor Pattiasina