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All Journal AKADEMIK: Jurnal Mahasiswa Humanis Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Titin Hartini
Universitas Islam Negeri Raden Fatah
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Lembaga Keuangan Syariah sebagai Penggerak Investasi Emas Berkelanjutan: Perspektif Ekonomi Syariah Chika Vinolia; Riska Alvarido; Titin Hartini
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 1 (2026): January
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i1.3769

Abstract

Islamic Financial Institutions (LKS) as drivers of sustainable gold investment from the perspective of Islamic economics. Sharia-compliant gold investment serves as an alternative financial instrument that is stable, asset-backed, and aligned with Islamic principles, thereby holding strong potential to support economic sustainability within society. This research employs a descriptive qualitative approach. The qualitative method is chosen because it allows for a holistic exploration of phenomena through in-depth interpretation of practices, mechanisms, and policies implemented by Islamic financial institutions in providing gold investment products. The findings indicate that LKS play an important role in enhancing financial inclusion, offering hedging instruments against inflation, and strengthening economic stability through products such as sharia gold savings, sharia gold pawning, and gold financing. The implementation of Islamic economic principles is reflected in the use of sharia-compliant contracts, price transparency, prohibition of speculation, and ensuring lawful ownership of assets. However, the development of sustainable gold investment still faces challenges such as low public financial literacy, global gold price fluctuations, limited digital infrastructure, and public perceptions regarding the complexity of sharia products. This study emphasizes that optimizing the role of LKS through innovation, education, and regulatory strengthening is crucial to promoting gold investment that is more inclusive, secure, and sustainable in accordance with Islamic economic values.
Hifz Al-Mal dalam Perilaku Keuangan Generasi Z Muslim Pengguna BNPL Titin Hartini; Ratih Kurnia Sari; M Din Rahmadi
AKADEMIK: Jurnal Mahasiswa Humanis Vol. 6 No. 3 (2026): AKADEMIK: Jurnal Mahasiswa Humanis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmh.v6i3.2471

Abstract

The growing use of Buy Now Pay Later (BNPL) among Generation Z raises concerns about consumptive spending, debt, and the extent to which digital financial practices are consistent with the Islamic principle of Hifz al-Mal. This study aims to explore how Muslim Generation Z students in Palembang understand and practice Hifz al-Mal when using BNPL. A qualitative approach with transcendental phenomenology based on Moustakas was employed. Data were obtained through in-depth, semi-structured interviews with ten Muslim students aged 18-25 years who had used BNPL for at least three months. Participants were selected purposively, and the data were analyzed through epoche, horizontalization, thematic clustering, textual and structural description, and synthesis of the essence of experience. The findings identify five patterns of Hifz al-Mal meaning: rational-planned, conservative-protective, pragmatic-moderate, consumptive-adaptive, and moderate-functional. These patterns reflect differences in financial literacy, religious understanding, digital experience, and socio-economic conditions. The findings indicate that BNPL is not uniformly accepted or rejected; its meaning is negotiated according to financial capacity, perceived needs, and Islamic values.
Co-Authors Chika Vinolia M Din Rahmadi Ratih Kurnia Sari Riska Alvarido