https://ojs.transpublika.com/index.php/CASHFLOW <div style="text-align: justify;"> <div class="deskripsi"> <div style="border: 2px #FAF63D; padding: 10px; background-color: #2c94a140; text-align: left;"> <ol> <li>Journal Title : <strong>CASHFLOW: CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE</strong></li> <li>Initials : <strong>CASHFLOW</strong></li> <li>Frequency : <strong>January, April, July, October</strong></li> <li>Print ISSN : <strong><a href="https://issn.perpusnas.go.id/terbit/detail/20220106492249244" target="_blank" rel="noopener">2809-848X</a></strong></li> <li>Online ISSN : <strong><a href="https://issn.perpusnas.go.id/terbit/detail/20220106372230449">2809-8226</a></strong></li> <li>Editor in Chief :<strong> <a href="https://scholar.google.co.id/citations?user=A5nQj_oAAAAJ&amp;hl=id">Prof. Dr. Mardi, M.Si</a></strong></li> <li>Managing Editor : <strong><a href="https://scholar.google.com/citations?user=6CkgHUMAAAAJ&amp;hl=id">Nur Anisah</a> </strong></li> <li>DOI : <strong><a href="https://doi.org/10.55047/cashflow">10.55047/cashflow</a> by Crossref</strong></li> <li>Publisher : <strong><a href="https://ojs.transpublika.com/index.php/CASHFLOW/Publisher_Legality" target="_blank" rel="noopener">Transpublika Publisher</a></strong></li> <li>Contact WA : <strong>+62811231666</strong></li> <li>E-mail : <strong><a href="https://ojs.transpublika.com/index.php/CASHFLOW/management/settings/jurnalcashflow[at]gmail.com">jurnalcashflow@gmail.com</a></strong> </li> <li>Citation Analysis : <strong><a href="https://app.dimensions.ai/analytics/publication/overview/timeline?and_facet_source_title=jour.1427084" target="_blank" rel="noopener">Dimensions</a> </strong></li> </ol> </div> </div> </div> <p style="text-align: justify;"><strong>CASHFLOW: CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE</strong> is an open-access, double-blind peer-reviewed journal whose main objective is to establish an effective channel of communication among stakeholders, including academic and research institutions, businesses, governments, and communities. The <strong>CASHFLOW</strong> journal also aims to promote and disseminate research findings on the development of Sharia economics, management, accounting, and economic theories and practices.</p> <p dir="ltr">The <strong>CASHFLOW</strong> journal publishes articles on Sharia economics, the history of Islamic economic thought, Islamic law, local wisdom from a Sharia economic perspective, and other related topics, as well as a wider range of topics in management, accounting, and economics that are not limited to general practices. The journal is published four times a year (January, April, July, and October).</p> <p style="text-align: justify;"><strong>e-ISSN : <a href="https://issn.perpusnas.go.id/terbit/detail/20220106372230449" target="_blank" rel="noopener">2809-8226</a> (online) | p-ISSN : <a href="https://issn.perpusnas.go.id/terbit/detail/20220106492249244">2809-848X</a></strong></p> Transpublika Publisher en-US CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE 2809-848X https://ojs.transpublika.com/index.php/CASHFLOW/article/view/2376 <p><em>The circular economy (CE) has attracted growing scholarly and policy attention as a response to unsustainable linear consumption, yet adoption of circular practices, including second-hand purchasing, repair, and reuse, remains limited in emerging Muslim-majority economies. Social stigma and status concerns are established barriers to CE adoption, but the role of religious values in offsetting these barriers has received limited attention. This study systematically maps the fragmented literature on CE adoption barriers, social face consciousness, and Islamic consumption ethics through a systematic literature review integrated with bibliometric analysis following PRISMA 2020 guidelines. Six search strings applied to Scopus and Web of Science produced 145 initial records, of which 25 articles met the inclusion criteria for thematic synthesis; bibliometric analysis covered a corpus of 110 records using publication trend, citation, keyword co-occurrence, and geographic distribution analysis. The findings reveal three largely disconnected research clusters, CE behavior and adoption barriers, social face consciousness and status-oriented consumption, and Islamic consumption ethics and sustainability, and show that research rarely examines how religious values interact with social stigma in shaping CE adoption. This study contributes by identifying these structural gaps and proposing an integrative conceptual framework linking Islamic consumption ethics, social face consciousness, and CE adoption intention and behavior, offering a research agenda for advancing CE scholarship in emerging Muslim-majority markets.</em></p> Asep Nur Imam Munandar Muhamad Faeqi Hadi Saputra Copyright (c) 2026 Asep Nur Imam Munandar*, Muhamad Faeqi Hadi Saputra https://creativecommons.org/licenses/by/4.0 2026-09-02 2026-09-02 5 4 221 240 10.55047/cashflow.v5i4.2376 https://ojs.transpublika.com/index.php/CASHFLOW/article/view/2379 <p><em>Islamic financial literacy and Qana'ah attitude are two aspects that can influence individual decisions in choosing sharia-based savings products. Previous research has extensively examined Islamic financial literacy and savings decisions at Islamic banks, research that integrates financial knowledge and Qana'ah attitude in explaining the decision to choose savings with a Wadiah yad-dhamanah contract remains limited. This study aims to analyze the influence of Islamic financial literacy and Qana'ah attitude on the decision to choose savings with a Wadiah yad-dhamanah contract. A quantitative approach with a survey method was utilized in this study, involving 100 students from the Islamic Banking Study Program at UIN Sayyid Ali Rahmatullah Tulungagung, class of 2023. Data collection proceeded through questionnaires, with analysis via multiple linear regression using SPSS. Findings reveal that Islamic financial literacy has a positive and significant influence on the decision to choose Wadiah yad-dhamanah savings (t = 8.364; p &lt; 0.001), whereas Qana'ah attitude also demonstrates a positive and significant influence (t = 14.842; p = 0.001). Simultaneously, both variables have a significant influence on the decision (F = 112.118; p = 0.001), explaining 69.8% of its variation. These findings indicate that the decision to choose Wadiah yad-dhamanah savings is influenced not only by understanding of Islamic financial principles and products, but also by Qana'ah attitude in managing finances. For Islamic banks, the results imply the importance of strengthening Islamic financial literacy education and product communication that emphasizes wise fund management per sharia principles to increase the use of Wadiah yad-dhamanah savings.</em></p> Fernando Eko Prasetio Wibowo Awalludin Fajar Brata Wijaya Copyright (c) 2026 Fernando Eko Prasetio Wibowo*, Awalludin Fajar Brata Wijaya https://creativecommons.org/licenses/by/4.0 2026-09-28 2026-09-28 5 4 241 256 10.55047/cashflow.v5i4.2379