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All Journal Proceedings of Annual Conference for Muslim Scholars Journal of Sharia Economics
Balya, Toifur Ahmad
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Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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Tolerance in Economic Democracy Between Majority and Minority Religious Groups Mu’di, Ahmad; Balya, Toifur Ahmad
Proceedings of Annual Conference for Muslim Scholars Vol 9 No 1 (2025): AnCoMS, Oktober 2025
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v9i1.731

Abstract

This study examines the practice of tolerance in the sphere of economic democracy between muslims and hindus in Pengalangan village, Menganti, Gresik. The research focuses on interreligious economic interactions that reflect harmony and social solidarity. Its objective is to understand the forms, dynamics, and contributions of economic tolerance to the community’s social cohesion. A qualitative case study approach was applied, with data gathered through observation, in-depth interviews, and documentation. The participants included religious leaders, small-scale entrepreneurs, and local residents from both faiths. Findings reveal that tolerance is manifested through trade cooperation, mutual support among micro-enterprises, and the avoidance of conflict in market exchanges. In conclusion, the people’s economy in the village serves as a strategic arena for reinforcing social cohesion across religious boundaries through everyday economic practices.
INTEGRASI LITERASI SYARIAH DAN LITERASI FINTECH DALAM POLA PENGELOLAAN KEUANGAN SEBUAH TINJAUAN PSIKOLOGIS KONTROL DIRI Balya, Toifur Ahmad; Mustofa
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9819

Abstract

This study aims to examine the effects of Digital Financial Literacy (DFL) and Islamic Financial Literacy (LKS) on Islamic Financial Management (MKS), as well as the mediating role of Self-Control (S-C) among university students. The research employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS‑SEM) for data analysis. The results indicate that both DFL and LKS have positive and significant impacts on MKS, directly and indirectly through S-C. Self-Control is shown to mediate the relationship between financial literacy and Islamic financial management, suggesting that students’ ability to control impulsive behavior is crucial in translating financial literacy into effective financial management practices. These findings align with the Theory of Planned Behavior (TPB) and Self-Control Theory, supporting existing literature on financial literacy, fintech adoption, and Islamic financial management. The study highlights the importance of integrating digital literacy, Islamic financial literacy, and self-control to foster ethical, rational, and sharia-compliant financial behavior in the digital era. Practical implications include the development of educational programs on digital and Islamic financial literacy, alongside interventions to enhance self-control as a strategy to improve students’ financial management skills.
Co-Authors Mustofa Mustofa Mu’di, Ahmad