Publication Search

The development of the Islamic economy globally continues to show an encouraging increase. However, in Indonesia, Islamic financial literacy and inclusion are still relatively low. One of the main challenges is the gap between theoretical understanding and application of Islamic financial products, especially among Gen-Z students. This study aims to evaluate students' level of knowledge about Islamic finance and their tendency to manage their personal finances, as well as identify factors that hinder the use of Islamic financial services. This study used a descriptive qualitative method with data collection techniques through questionnaires. A total of 77 students from Universitas Pendidikan Indonesia (UPI) became respondents in this study. The results obtained show that although students have a fairly good level of literacy and high interest in the Islamic financial system, it has not been followed by real practice in everyday life. The findings emphasize the need to increase educational efforts, utilize digital media more effectively, and strengthen the accessibility of Islamic financial services among the younger generation.

This study aims to determine the influence of digital comic learning media KLIK (Financial Literacy Comics) on cognitive learning outcomes in social studies subjects of grade VII students of SMP Negeri 22 Malang. The approach used in this study is a quantitative approach. The type of research used is an experimental type of research with a Posttest Only Control Group Design research design. The population in this study is all grade VII students of SMP Negeri 22 Malang with the sample used, namely grade VII B students as the experimental class and grade VII G as the control class. The instrument used to measure students' cognitive learning outcomes is test questions. The data analysis techniques used in this study were data instrument tests with validity tests and reliability tests, prerequisite tests with normality tests and homogeneity tests, and hypothesis tests using t-tests. The results of the study showed that there was a partial influence of digital comic learning media KLIK (Financial Literacy Comics) on students' cognitive learning outcomes. This is evidenced by the results of data analysis with the help  of SPSS 22 for Windows which shows 0.000 < 0.05 which means that H0 is rejected and H1 is accepted.

Numeracy is an essential competency that supports students’ ability to reason quantitatively and solve real-life problems. However, students in Indonesia often face challenges in understanding mathematical concepts and applying them in everyday contexts. In response to this, a community service program was conducted at SMP Insan Rabbany, Tangerang Selatan, focusing on the integration of Artificial Intelligence (AI) applications such as ChatGPT and Educaplay in mathematics learning. The program aimed to improve students’ numeracy literacy and provide teachers with the capacity to utilize AI tools effectively. The activities included training sessions for teachers, and direct assistance in classroom implementation. The results showed a significant uses in students’ ability of numeracy. Moreover, teachers expressed increased confidence in incorporating AI-based methods into their lessons. This program highlights the potential of AI to enhance numeracy skills and underscores the importance of technological support and teacher training in the digital age.

This study uses a qualitative method to examine the effectiveness of marketing strategies implemented by Islamic banks in attracting young customers. The background of this research is based on the significant growth of the Islamic banking sector in Indonesia, which has not yet fully optimized the potential of the youth market segment. Data were collected through in-depth interviews with marketing managers and young customers, as well as documentation of the promotional strategies employed. The findings reveal that marketing strategies emphasizing Islamic values, service digitalization, and social media campaigns significantly influence young customers’ interest. However, some challenges were also identified, such as low Islamic financial literacy among the youth and limited product innovation tailored to their needs. This study recommends strengthening Islamic financial education, collaborating with youth communities, and developing technology-based products and services so that Islamic banks can be more competitive in attracting young customers. With a more adaptive and communicative approach, Islamic banks have the potential to become the preferred choice for the younger generation in the future.

Gender equality in education is a fundamental pillar for sustainable development and the empowerment of women in the modern era. Although significant progress has been made in improving access to education for women in Indonesia, challenges such as gender stereotypes, early marriage, and the digital divide continue to hinder the full participation of women in education. This article explores various strategies for empowering women through education, including the integration of gender-responsive curricula, enhancement of digital literacy, and strengthening women's roles in STEM fields. Using a descriptive qualitative approach, this article aims to provide in-depth insights into the efforts that can be undertaken to achieve gender equality in education in Indonesia.

The low level of Islamic financial literacy in Indonesia is a serious challenge in realizing a financial system that is inclusive and in accordance with Islamic values. Islamic financial literacy reflects an individual's understanding of financial concepts and products based on sharia principles such as the prohibition of riba, gharar, and maysir, as well as the importance of fairness and social responsibility. This article aims to evaluate strategies to improve Islamic financial literacy by emphasizing on two main approaches: education and public campaigns. The method used is a literature study by reviewing various academic literatures, financial institution reports, as well as practices in other countries that have successfully implemented Islamic financial literacy widely. The results of the study show that formal education such as the integration of Islamic finance materials in the school curriculum, as well as non-formal education in the form of training and counseling, contribute significantly to improving public understanding. On the other hand, public campaigns through social media, educational videos, and collaboration with religious leaders have proven effective in reaching various segments of society, especially the younger generation. This study concludes that improving Islamic financial literacy requires a holistic and synergistic approach between education, campaigns, and regulatory support from the government and financial institutions. Recommendations include thematic curriculum development, training for educators, and sustained digital-based campaigns. The findings of this article are expected to make practical and theoretical contributions to the development of Islamic financial literacy strategies in Indonesia.

The community service program (PKM) carried out for women entrepreneurs in Klinting Village, Somagede District, Banyumas Regency. The program mainly aims to improve community understanding of business financial management and increase access to capital in formal financial institutions. The objectives of the PKM are achieved through socialization on business financial management and strategies for obtaining efficient capital in formal financial institutions as well as simple bookkeeping training. Through these PKM activities, the awareness of women entrepreneurs in Klinting Village about the importance of effective business financial management and financial records is expectedly increased. Women entrepreneurs were given insight into external capital sources from formal institutions, namely banks, and were introduced to effective strategies for obtaining capital from banks. In addition, entrepreneurs in Klinting Village also gain insight into the risks of informal and illegal loans, as well as how to utilize financial technology, such as digital wallets, to support their business operations. This program is expected to be able to reduce the dependence of women entrepreneurs on informal loans, encourage business sustainability, and build economic independence for the Klinting Village community. In the long term, this program has the potential to strengthen family economic stability while creating inclusive and sustainable business growth

The rapid transformation toward a digital economy has led to the emergence of the gig economy as a new form of employment relationship. This shift demands the development of new competencies among the workforce, particularly in digital economic literacy, which encompasses the ability to manage flexible income, understand platform-related risks, and optimize digital work opportunities. This study aims to explore the experiences of gig workers in building digital economic competencies and to analyze the challenges faced by educational institutions and human resource development (HRD) programs in preparing an adaptive workforce for this flexible work model. Employing a qualitative phenomenological approach, this study investigates the subjective experiences of gig workers in Indonesia. The findings reveal a significant gap between the digital economic competencies demanded by the new work ecosystem and the preparedness provided by formal education and vocational training systems. Based on these findings, the study recommends the development of HRD strategies centered on digital economic literacy, the adaptation of vocational education curricula, and the design of lifelong learning programs to strengthen workforce resilience in the era of the gig economy.

The low interest in reading among children in Indonesia is a serious challenge in developing quality human resources in the future. A culture of literacy that has not been formed since early childhood has an impact on the weakness of children's critical thinking, analytical skills, and imagination. This article aims to examine various approaches to child empowerment in increasing interest in reading and literacy through literature studies. Several strategies analyzed include reading corners, school literacy movements, family-based reading programs, and creative approaches such as storytelling methods and the use of digital media. The results of the review show that a participatory approach that actively involves families, schools, and communities has proven to be more effective in increasing children's interest in reading and fostering sustainable literacy habits. In addition, the provision of relevant, varied, and enjoyable reading media for children is an important factor in strengthening a reading culture. Cross-sector synergy is needed to create a conducive literacy ecosystem from an early age.  

This article examines the implementation of digital literacy within the Islamic Religious Education (PAI) curriculum as a response to educational transformation in the digital era. The study aims to analyze strategies for integrating digital literacy into the PAI curriculum, identify the challenges of its implementation, and formulate a contextual model for developing PAI learning based on digital literacy. Using a qualitative research method with a literature review approach and analysis of current curriculum documents, the study found that the implementation of digital literacy in the PAI curriculum remains partial and unsystematic. The findings indicate the need to reformulate the PAI curriculum by comprehensively integrating digital literacy competencies through digital project-based learning, online collaborative learning, and the use of social media for reflective learning. The implications of these findings highlight the urgency of transforming the PAI curriculum to prepare students to become critical, creative, and ethical digital Muslims in the era of technological disruption.

Education plays a crucial role in developing quality human resources, with one of the key aspects being the enhancement of students' interest in reading and literacy skills. However, fostering a reading culture among elementary school students remains a significant challenge, particularly at SDN Cilangkara 02, and which lacks a proper library. In response, the 2025 Cilangkara Village Community Service Program (KKN) students implemented the "Literacy Corner" initiative, which aimed to provide a simple, comfortable, and accessible reading space. This program adopted a participatory and educational implementative approach, involving teachers, students, the literacy community, and university students. Activities included conducting a needs assessment, collecting book donations, constructing and decorating the literacy corner, organizing the reading space, and holding an inauguration event. The results of the program showed a notable increase in students' interest in reading, as well as the development of a habit of interacting with books. Moreover, it helped cultivate a literacy culture within the school environment. Despite facing challenges such as limited books, inadequate funding, and students' distraction by gadgets, the program succeeded in achieving a positive impact. It not only contributed to improving literacy and character building but also fostered a sustainable reading culture at SDN Cilangkara 02

MSMEs are a major component of a country's economy. The large contribution of MSMEs to economic development in Indonesia requires MSME players to keep trying and always be ready to compete with other MSMEs. This study aims to determine the effect of financial literacy, digital payments, use of e-commerce and accounting information systems on the business performance of culinary MSMEs in the city of Semarang. The population of this study amounted to 98 culinary MSMEs, sampling using purposive sampling method with the criteria of using digital payments, using e-commerce and accounting information systems. The data was analyzed using multiple linear regression analysis with JASP software. The results of this study indicate that the variables of e-commerce usage and accounting information systems have a positive and significant impact on business performance, so that any increase in these variables will improve MSME business performance. The financial literacy variable has a positive and insignificant effect on business performance, so it is necessary to increase the financial literacy of business actors. Meanwhile, the digital payment variable has a negative and insignificant impact on business performance, indicating a lack of understanding of MSME actors and consumers of the use of digital payments.  

The rapid development of digital technology and the increasing complexity of financial products, from digital wallets and bank loans to cryptocurrency and investment platforms, highlight the urgent need for financial literacy education, particularly for vocational high school (SMK) students in Indonesia. Many SMK graduates directly enter the workforce or pursue entrepreneurship without attending university, making financial decision-making skills crucial. This article explores the potential of Android-based e-books as an innovative and accessible learning medium to enhance students’ financial literacy. Designed to be interactive, contextual, and engaging for Gen Z learners, the proposed e-book serves as a pedagogical supplement, not a replacement, to classroom teaching. Drawing from literature reviews, examples of existing apps, and relevant educational frameworks, the article emphasizes the importance of developing localized, curriculum-aligned digital resources. The paper concludes with suggestions for evaluating financial learning apps and recommends steps for integrating them effectively into SMK education.

The transformation of the Islamic education curriculum based on digital literacy is an essential step to enhance student engagement in higher education learning. This study aims to examine the implementation of digital literacy in the Islamic education curriculum and its impact on the quality of learning. A qualitative approach was used, involving observation, interviews, and documentation. The findings show that although some Islamic higher education institutions have integrated technology into learning, challenges related to lecturer readiness, digital access inequality, and limited resources remain major obstacles. Students responded positively to digital-based learning, which provided easier access to study materials and facilitated online interaction. However, the digital access gap needs to be addressed promptly to create a more equitable learning experience. The implications of this study suggest the need for ongoing lecturer training, improved technological infrastructure, and curriculum policies that support more effective integration of digital literacy in Islamic higher education.

This study aims to determine the role of technology-based learning media 5.0 in improving digital literacy in social studies learning in elementary schools. The presence of the use of learning media in the digital era 5.0 is a place for skills in the use of technology and information with digital-based media in various areas of life, including in the process of learning activities in schools. The development of digital literacy mastery in learning is expected to be a supporter in developing students' abilities and preparing students who are able to face the demands of the times. The research method used is a qualitative research and development method. This research method was chosen to produce certain products and test the effectiveness of these products. Based on the results of the research and discussion, it can be concluded that in the Era Society 5.0 the role of teachers has shifted with the presence of technology. An interesting learning strategy is needed so that teachers have the role they should. There are five learning strategies that can be applied in Era 5.0, namely helping students learn, providing opportunities for students to develop and excel, strengthening character education, being technologically literate, and becoming effective teachers.

This community service activity aims to enhance the understanding of residents in the Jagakarsa,  South Jakarta, regarding the meaning and importance of literacy, particularly in facing the challenges of the digital information era. The underlying problem addressed in this activity is the low level of literacy awareness among the community, as indicated by the tendency to accept and spread information without verification, the lack of a reading culture, and limited understanding of various types of literacy, such as media, digital, and financial literacy. To overcome these issues, the team of lecturers conducted a literacy outreach activity using a casual discussion method, which was chosen for its effectiveness in reaching the community in an informal and communicative setting. The materials presented included the definition of literacy, the importance of filtering information, how to verify the accuracy of news, and the role of families in fostering a culture of literacy. The activity involved residents from diverse backgrounds and was conducted interactively, where participants were not only passive listeners but also engaged in active discussions and shared personal experiences related to literacy challenges. The results showed that the residents responded positively to the outreach, gained new insights, and expressed a commitment to start applying a culture of literacy within their families and communities. This activity demonstrates that a simple yet well-targeted approach can have a tangible impact in raising literacy awareness at the grassroots level.

This study aims to explore the strategy of literacy-based learning in Islamic Religious Education (IRE) to enhance students' understanding of Islam. Through a literature review approach, this research analyzes various sources related to the implementation of literacy in IRE teaching and its impact on students' comprehension of Islamic teachings. The findings indicate that literacy-based learning enhances students' critical skills in understanding religious texts and enriches their understanding of Islam in a practical context. Moreover, this strategy plays a key role in character building, fostering moral values, raising social awareness, and improving communication skills. The teacher's role as a facilitator guiding students in developing religious literacy skills is also crucial for the success of this approach. This study aims to contribute to the development of a more relevant and effective IRE teaching model in the digital era.

In the digital era, the ability to utilize social networks and digital platforms to gain financial education and make financial decisions in accordance with sharia principles is increasingly essential. This study aims to analyze the influence of social capital and digital literacy on Islamic financial literacy among Generation Z. A quantitative approach was employed, with primary data collected from 209 respondents through purposive sampling, consisting of Generation Z individuals residing in Yogyakarta. Data analysis was conducted using path analysis with the Structural Equation Modeling approach based on Partial Least Squares (SEM-PLS), utilizing the SmartPLS 3.0 software. Construct reliability testing, discriminant validity, and hypothesis testing were carried out to evaluate the relationships between variables. The results indicate that social capital and digital literacy have a positive and significant effect on Islamic financial literacy. Digital literacy enhances individuals’ access to Islamic financial information through digital media, while social capital strengthens knowledge sharing and trust within communities. These findings highlight the importance of leveraging digital technology and reinforcing community-based approaches to improve Islamic financial literacy. This study contributes to the growing body of literature on the interaction between social capital, digital literacy, and Islamic financial literacy in the digital age and offers strategic insights for educational institutions and financial service providers to promote sharia-based financial literacy.

Recently, the public has been shocked by the high number of bad debts among Millennials. The development of digital technology brings various conveniences, but also presents new threats to children and teenagers. The high percentage of online loan borrowers aged 19-34 years, as well as children who are caught in online gambling, is a major concern. Around 60 percent of online loan users (pinjol) have an easy target of young people aged 19-34 years, and even 80 thousand children under the age of 10 are caught in online gambling (judol). The problem is, the Millennial generation or those aged 19-34 years are the largest "contributors" to these bad debts. Various experts say that the Millennial generation is in debt because of the Fear of Missing Out (FOMO) phenomenon, aka following trends so as not to feel "left behind". Some other experts think that their financial literacy is low.

This article discusses policies to improve AI literacy among college students. The development of technology in the digital era is increasingly rapid, and artificial intelligence (AI) has become an important part of various aspects of life, including education. College students as the next generation need to have good AI literacy in order to adapt to the changing times and face the challenges of the increasingly technology-based world of work. AI literacy is not only about understanding how this technology works, but also how to use it effectively and ethically in academic and professional life. The research method used in this study is a descriptive qualitative method, with data collection techniques, namely interviews and documentation studies that aim to examine the development of technology in the increasingly rapid digital era, and artificial intelligence (AI) has become an important part of various aspects of life, including education. The results of the study are then narrated in descriptive form. It can be concluded that AI literacy has an important role in improving the effectiveness of student learning and preparing them for competition in an increasingly technology-based world of work.