This paper examines the influence of financial education on personal financial management practices of Generation Z. A quantitative method with a survey approach was used, involving 30 Generation Z respondents (aged 17-25 years) through questionnaires and simple linear regression analysis. The results of the study indicate a significant influence of financial education on wise financial management practices. Generation Z with adequate financial education tends to be more able to budget, save, invest, and avoid impulsive debt. Conversely, the lack of financial education makes them vulnerable to unwise financial decisions. This paper highlights the importance of integrating financial education into the curriculum and self-development programs to improve literacy and healthy financial practices among Generation Z. This study also discusses the challenges faced by Generation Z in managing finances in the digital era, such as a consumptive lifestyle influenced by social media and e-commerce.

Sharia-based monetary policy instruments, such as the Bank Indonesia Sharia Certificate (SBIS) and the Sharia Interbank Money Market (PUAS), contribute significantly to liquidity stability and expand access to sharia banking services. Even though the sharia banking sector continues to grow, the market share of the national banking industry is still relatively small due to low financial literacy, limited infrastructure and global economic challenges. This research highlights the importance of strengthening sharia financial literacy, developing digital infrastructure, as well as collaboration between the government, private sector and Bank Indonesia to overcome these obstacles. Strategic recommendations are provided to increase sharia-based financial inclusion which is expected to become a model for countries where the majority of the population is Muslim.

Examining how the Islamic monetary system uses money to build a stable and just economy is the aim of this study. Money is not to be hoarded or handled like a commodity, according to the Islamic monetary system, which views it as a public good and flow notion that functions as a medium of exchange and a unit of value. In Islam, money serves primarily as a medium of exchange, a standard of payment, and a gauge of value, speculation and wealth hoarding are prohibited. In contrast to traditional interest-based systems, the Islamic monetary system places a higher priority on mechanisms that allow for profit-and-loss sharing. Because hoarding money can slow down economic turnover and produce stagnation, it is forbidden in Islam. This is because money must continue to circulate in order to preserve economic viability.  QS Al-Hasyr: 7 and QS At-Taubah: 34–35, which explain hoarding of wealth and promote the use of money for the good of society, both highlight this principle of wealth sharing. Using data from pertinent literature and journals, this study employs a qualitative methodology based on literature reviews. Furthermore, This study is expected to provide the groundwork for a more effective sharia monetary policy that encourages equitable and balanced economic growth.

The principle of profit sharing based on the concept of risk-sharing offers an alternative approach that is in line with sharia values, in contrast to the conventional interest system. This mechanism is implemented through instruments such as mudharabah and musharakah that support the financing of productive projects. However, its implementation faces challenges related to income fluctuations that can affect the stability of Islamic financial institutions. This research highlights the importance of innovation to increase the effectiveness of sharia monetary policy for inclusive and sustainable economic growth.

The development of the National Capital City (IKN) triggers an increase in demand for goods and services, especially in the construction and basic needs sectors, which can cause a spike in regional and national inflation. Monetary policy faces new challenges, including increasing interest rates and the risk of rupiah exchange rate volatility due to dependence on foreign debt financing. These projects also influence economic distribution, creating investment opportunities, but potentially increasing economic inequality. This research emphasizes the importance of coordination between monetary and fiscal policies to mitigate negative impacts on national economic stability.