Literasi Keuangan Syariah : Pemahaman Masyarakat Pada Produk Perbankan Syariah

Ratna Sari Dewi, Toni Hidayat, Suri Ummi Siregar, Siti Dini

Abstract


Penelitian ini bertujuan untuk menganalisis tingkat literasi keuangan syariah masyarakat di Kota Medan serta implikasinya terhadap pemahaman dan minat terhadap produk perbankan syariah. Penelitian menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam, observasi, dan dokumentasi terhadap masyarakat pengguna dan calon pengguna bank syariah, serta pihak lembaga keuangan dan tokoh masyarakat. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan syariah masyarakat Medan masih berada pada kategori menengah. Pemahaman masyarakat lebih kuat pada aspek religius dibandingkan aspek teknis seperti prinsip akad, sistem bagi hasil, dan mekanisme transaksi. Faktor yang memengaruhi tingkat literasi antara lain tingkat pendidikan, religiositas, akses informasi digital, dan efektivitas kegiatan literasi berbasis komunitas. Pendekatan berbasis komunitas, seperti pengajian dan lembaga pendidikan Islam, terbukti lebih efektif dalam meningkatkan pemahaman dan kepercayaan terhadap perbankan syariah dibandingkan pendekatan formal. Dengan demikian, literasi keuangan syariah berperan penting dalam memperkuat inklusi keuangan Islam di tingkat lokal dan membangun kesadaran masyarakat terhadap sistem ekonomi yang berkeadilan dan beretika.

Full Text:

PDF

References


Alliance for Financial Inclusion. (2023). Inclusive financial systems for persons with disabilities. AFI Publication. https://www.afi-global.org/publications/inclusive-financial-systems-for-persons-with-disabilities

Basri, H., & Fitria, R. (2020). Islamic financial education and inclusion in Indonesia. Al-Iqtishad: Journal of Islamic Economics, 12(3), 475–492. https://doi.org/10.15408/aiq.v12i3.17366

El-Komi, M., & Croson, R. (2013). Experiments in Islamic microfinance. Journal of Economic Behavior & Organization, 95, 252–269.

https://doi.org/10.1016/j.jebo.2013.09.014

Hasan, N., & Tarmizi, A. (2023). Designing inclusive Sharia financial literacy programs for disability groups. International Review of Economics & Finance, 87, 143–159.

https://doi.org/10.1016/j.iref.2023.03.012

Islamic Financial Services Board. (2022). Guiding principles on financial inclusion through Islamic finance. https://www.ifsb.org/published.php

Johari, A. (2019). Literasi keuangan syariah dan inklusi keuangan di kalangan disabilitas. Jurnal Ekonomi Syariah Indonesia, 9(2), 101–115. https://journal.uii.ac.id/jesi/article/view/13687

Karim, R., Hassan, M. K., & Ahmed, S. (2020). Enhancing financial literacy through Islamic social finance. Journal of Islamic Accounting and Business Research, 11(5), 987–1006. https://doi.org/10.1108/JIABR-01-2020-0020

Kurniawati, D., & Arifin, Z. (2022). Pengembangan model literasi keuangan syariah bagi komunitas disabilitas. Jurnal Ilmiah Ekonomi Islam, 8(2), 177–190. https://doi.org/10.29040/jiei.v8i2.3790

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5

Mohamed, N., & Kassim, S. (2021). Accessibility and digital inclusion in Islamic banking applications. Asian Journal of Islamic Management, 3(1), 45–62. https://doi.org/10.20885/ajim.vol3.iss1.art4

Mohd Yusof, S., Abdullah, N., & Rahman, F. (2021). Financial literacy and inclusion in Islamic perspective. International Journal of Ethics and Systems, 37(4), 613–631. https://doi.org/10.1108/IJOES-02-2021-0047

Muuo, E., Otieno, R., & Ouma, J. (2025). Barriers to financial inclusion for persons with disabilities in developing economies. PLoS ONE, 20(3), e0283497. https://doi.org/10.1371/journal.pone.0283497

Nurhayati, S., & Hasan, M. (2021). Evaluasi program literasi keuangan syariah di Indonesia. Jurnal Ekonomi Islam dan Keuangan, 8(3), 211–225. https://doi.org/10.21107/infestasi.v17i3.12271

OECD. (2023). Digital accessibility and financial literacy for all: A policy framework. https://www.oecd.org/finance/digital-accessibility-and-financial-literacy.htm

Rahman, A., & Abdullah, R. (2020). Digital financial inclusion and Islamic finance: A conceptual framework. Journal of Islamic Finance, 9(2), 12–26. https://journals.iium.edu.my/iiibf-journal/index.php/jif/article/view/414

Rahman, H., & Kassim, S. (2021). Islamic finance and social inclusion: Empirical evidence. International Journal of Islamic and Middle Eastern Finance and Management, 14(6), 1209–1225. https://doi.org/10.1108/IMEFM-03-2021-0090

Rini, D., & Santoso, T. (2021). Pengaruh literasi keuangan syariah terhadap inklusi keuangan. Jurnal Ekonomi dan Keuangan Syariah, 7(4), 255–269. https://doi.org/10.20885/jeks.vol7.iss4.art3

World Bank. (2022). Financial inclusion for people with disabilities: Global evidence and policy recommendations. https://documents.worldbank.org/en/publication/documents-reports/documentdetail/099841223202236361

Yumna, A., & Nugroho, A. (2022). Implementasi program literasi keuangan syariah inklusif. Al-Masharif: Jurnal Ekonomi Syariah, 10(1), 33–49.

https://doi.org/10.24952/masharif.v10i1.4873




DOI: https://doi.org/10.30596/aghniya.v7i2.27515

Refbacks

  • There are currently no refbacks.


Aghniya: Jurnal Ekonomi Islam is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

StatCounter - Free Web Tracker and Counter

Flag Counter

Aghniya: Jurnal Ekonomi Islam

Faculty of Islamic Religion,Universitas Muhammadiyah Sumatera Utara. Address: Kampus Utama Jl. Kapten Muchtar Basri No.3, Glugur Darat II,Medan Sumatera Utara-20238.

E-mail: aghniya@umsu.ac.id