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All Journal Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia International Journal of Islamic Business Management
Khoirotun Nisa Limbong
Universitas Islam Negeri Sumatera Utara
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Law, Crime, Criminology & Criminal Justice

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PRINSIP KEADILAN DAN TRANSPARANSI DALAM SISTEM PEMBIAYAAN BANK SYARIAH UNTUK KEMASLAHATAN UMAT Muhammad Abdillah Pratama Aminullah; Stefani; Khoirotun Nisa Limbong; Muhammad ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

The principles of justice and transparency are the main foundations of Islamic banking operations. These two principles ensure that every financing product and service not only complies with Sharia law but also provides tangible benefits to the wider community. This article comprehensively discusses how the principles of justice and transparency are applied in the Islamic banking financing system, as well as how their implementation contributes to the welfare of the community. This research uses a qualitative approach with a literature analysis of various regulations, journals, and related fatwas. The results of the study indicate that the implementation of these two principles can foster economic stability, increase public trust, and ensure the achievement of the objectives of maqasid al-shariah in the financial sector.
Generasi Z di Era Digital: Pengaruh Literasi Keuangan dan Penggunaan Financial Technology terhadap Perilaku Keuangan Annisa Afwani; Khoirotun Nisa Limbong; Elsa Rahmayani; Sapna Maharani Saragih; Khaila Nazwa Syahbani; Zahratul Izami
Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia Vol. 5 No. 3 (2026): September : Jurnal Pelayanan dan Pengabdian Masyarakat Indonesia
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jppmi.v5i3.2999

Abstract

This study aims to analyze financial literacy and the use of financial technology in shaping the financial behavior of Generation Z through student community service activities (Kuliah Kerja Nyata or KKN) conducted directly in the field. This study employed a descriptive qualitative approach, with data collected through observation, in-depth interviews, and documentation. Informants were selected purposively based on their involvement and experience in using digital financial services. The results showed that Generation Z had a basic understanding of financial management, but its application was not yet fully consistent, particularly in recording expenses, setting priorities, and controlling purchases based on wants. The use of financial technology, including digital wallets, mobile banking, and QR-based payments, provided transaction convenience but could also encourage spontaneous spending. Education provided by KKN students helped improve informants’ understanding of financial planning, digital transaction security, expenditure control, and responsible use of technology. The activities also encouraged initial awareness of recording transactions and distinguishing needs from wants. This study emphasizes that integrating financial literacy with wise use of financial technology is necessary to support more planned and responsible financial behavior among Generation Z.
Co-Authors Annisa Afwani Elsa Rahmayani Khaila Nazwa Syahbani Muhammad Abdillah Pratama Aminullah Muhammad Ikhsan Harahap Sapna Maharani Saragih Stefani Zahratul Izami