Sharia financial literacy: Decoding the nexus of civil Servants' investment choices

Abstract

This research explores the complex relationship between Sharia financial literacy, financial attitudes, financial satisfaction, and investment decisions in the context of Islamic economics. Utilizing path analysis with 369 civil servant respondents, this study reveals that both Sharia financial literacy and financial attitudes positively impact financial satisfaction. This implies that individuals possessing a strong understanding of Islamic finance and a positive attitude toward their finances tend to experience higher levels of financial satisfaction. Nevertheless, variations in their direct influence on investment decisions do surface. Sharia financial literacy exhibits a relatively modest direct influence on investment decisions, while financial attitudes exert a strong direct influence on investment decisions. Despite the modest direct impact of Sharia financial literacy on investment decisions, its indirect influence remains substantial.

Determinan Akuntabilitas Pengelolaan Dana Desa Dengan Sistem Keuangan Desa Sebagai Pemediasi

“…Dengan penerapan Sistem Keuangan Desa mereka dapat mengontrol kemungkinan penyimpangan pelaksanaan anggaran (Fathia & Indriani, 2022). Siskeudes secara langsung dapat mempengaruhi kualitas laporan keuangan desa (Mutiara et al, 2022). Hasil penelitian (Imron, 2023;Umayah et al, 2022) menunjukkan bahwa Siskeudes berpengaruh terhadap akuntabilitas pengelolaan dana desa.…”