Devin Halim Wijaya

Master student in IIUM (Institute of islamic Banking and Finance) | Noor-Ummatic Scholarship Awardee
  • BlogThe Importance of Having Multiple Sources of Income

    The Importance of Having Multiple Sources of Income

    Being isolated with one source of income is becoming more and more dangerous in the current economic environment. With only one paycheck maintaining financial security is more difficult due to inflation job instability economic shifts and unforeseen life events. As a result creating multiple revenue streams is now a necessity for financial survival and a means of achieving greater opportunities.…

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  • BlogThe Urgency of Skill Stacking in This Economy

    The Urgency of Skill Stacking in This Economy

    One skill is insufficient in an economy that is being shaped by rapid automation digital transformation and changing job landscapes. The thing that once guaranteed a lifetime job is now a moving target. People who can adapt learn and apply knowledge across multiple domains are in high demand by employers. This strategy is referred to as skill stacking. In order…

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  • BlogHow to Avoid FOMO Spending

    How to Avoid FOMO Spending

    The psychological trigger known as FOMO or fear of missing out drives people to spend money in order to stay up with others trends or social expectations. Social media exacerbates this anxiety in the current digital era. People frequently make rash purchases in an attempt to feel included because they compare their lives to the carefully manicured highlight reels of…

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  • Islamic EconomicsPay Yourself First: The Urgency of Saving Before Spending

    Pay Yourself First: The Urgency of Saving Before Spending

    One idea that is particularly powerful and straightforward in the field of personal finance is “pay yourself first”. This strategy promotes putting money aside for savings as soon as you receive your paycheck—before you spend a dime. You save first and then live off of whats left over after expenses. It reverses the traditional budgeting approach and puts your financial…

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  • BlogThe Importance of Avoiding Consumer Debt

    The Importance of Avoiding Consumer Debt

    Consumer temptation is pervasive in todays world coming from social media advertisements, simple payment plans and a culture that values instant satisfaction. A lot of people have spending habits where their wants take precedence over their needs. One significant effect is the increase in consumer debt which is debt incurred to purchase goods or services that dont add value over…

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  • BlogHard Work and It's Importance in Islam

    Hard Work and It’s Importance in Islam

    In Islam, working hard is a spiritual obligation and a form of worship not just a practical necessity. Islam considers work to be a vital part of a believers life demonstrating self-worth accountability and a sincere attempt to pursue the pleasure of Allah ﷻ. If a Muslim is able to work they are encouraged to do so instead of depending…

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  • BlogRealism in The Islamic Perspective

    Realism in the Islamic Perspective

    Islam is a complete well-rounded religion. It grounds itself in the reality of human life in addition to teaching lofty moral principles. Islam acknowledges the complexity of the world and human limitations rather than establishing impossible standards. It is a faith that strikes a balance between practical living and spiritual aspiration. In this sense Islamic teachings are meant to help…

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  • BlogPositive Thinking as a Muslim Character Trait

    Positive Thinking as a Muslim Character Trait

    Positive thinking is ingrained in Islamic character and is not merely a trendy idea from contemporary psychology. Islam emphasizes inner strength such as the capacity to hold onto hope and positive expectations in addition to ritualistic celebration. Having a positive outlook on Allah ﷻ and lifes results or husnudzon is one way a believer refines their inner self. Muslims encounter many…

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  • BlogThe Role of the Muslim Ummah in Their Unity

    The Role of the Muslim Ummah in Their Unity

    The Muslim Ummah is a global moral force with social ethical and spiritual obligations it is not just a group of people who practice the same religion. The Ummah which has its roots in the teachings of the Quran and the Sunnah stands for harmony equity and a common goal. Its members are entrusted with both maintaining their own piety…

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  • BusinessFinancial Planning in Times of Crisis

    Financial Discipline of Islamic Perspective

    Sound money management is based on financial discipline. In the contemporary world developing this discipline aids people in debt avoidance future planning and spending alignment with values. This discipline is seen from an Islamic perspective as a moral requirement based on faith and accountability not just a useful strategy. Also read: The Important Wealth Planning in Sharia Compliant Being Aware…

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