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All Journal Jurnal Penelitian dan Pengabdian Masyarakat Journal of Sharia Economic Law
Muh. Akbar
Universitas Muhammadiyah Palopo
Arts Humanities Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Penguatan Literasi Keuangan Syariah bagi Masyarakat Nelayan di Kota Palopo Muh. Akbar; Andi Achmad Syam; Nurman Nurman; Asti Annisah Futri
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 2 (2026): May 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/xphvhr51

Abstract

Written This community engagement program aims to enhance Islamic financial literacy for the fishing community in Binaan Lazismu Village, Palopo City, through a collaboration between Lazismu Palopo and Bank Syariah Indonesia (BSI). The low understanding of Islamic finance among coastal communities has limited the utilization of formal financial services, particularly regarding savings, financing, and other sharia-based financial instruments. The implementation method included interactive workshops, group discussions, demonstrations of Islamic banking products, and assistance in preparing simple family budgeting plans. The results show an increase in participants’ knowledge of Islamic financial principles, understanding of sharia banking contracts, and awareness of planned family financial management. Participants also expressed interest in utilizing Islamic savings products and digital banking services introduced during the session. The activity successfully strengthened Islamic financial literacy and encouraged financial inclusion in coastal communities. Follow-up programs are needed to ensure sustainable financial behavior change
Literasi Keuangan dan Hifẓ al-Māl: Strategi Perempuan Pekerja Penerima PKH Mengelola Keuangan Keluarga Muh. Akbar; Azizah S; Isti Darisofia Palembang
Journal of Sharia Economic Law Vol. 4 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v4i2.11044

Abstract

Working women who receive Indonesia’s Family Hope Program (PKH) serve as breadwinners and household financial managers, making financial literacy essential to family welfare. This study examines financial education through the Family Capacity Building Meeting (P2K2) and its implications for family financial management from the perspective of hifẓ al-māl in maqāṣid al-sharī‘ah. Using a qualitative phenomenological approach in Palopo City, data were collected through in-depth interviews with six working-woman beneficiaries, three facilitators, and one program coordinator, supplemented by observation and documentation. Data were analyzed using Miles–Huberman–Saldaña procedures with NVivo assistance. The findings reveal that P2K2 introduces budgeting through the envelope technique, although its implementation is hindered by low attendance, time constraints, established spending habits, and facilitators’ heavy caseloads. All informants prioritize essential expenditures, particularly children’s education, but only two consistently implement planned budgets. Five of six respondents save from residual income and rely on neighbor loans (qarḍ) or gold pawning (rahn) to address financial emergencies. Productive asset ownership remains limited. Viewed through the five dimensions of hifẓ al-māl, financial literacy supports spending control but remains weak in wealth accumulation and protection. Therefore, integrating Sharia-compliant saving, financing, and investment education into P2K2 is necessary to strengthen family financial resilience.
Co-Authors Andi Achmad Syam Asti Annisah Futri Azizah S Isti Darisofia Palembang Nurman Nurman