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All Journal Journal of Sharia Micro Enterprise and Cooperation Al-Wajih: The Journal of Islamic Studies
Azizan Sentosah Hutabarat
UIN Siber Syekh Nurjati Cirebon
Religion Humanities Economics, Econometrics & Finance Education Other

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Strengthening Islamic Financial Literacy through Product Innovation in The Era of Globalization: A Qualitative Literature Study from The Perspective of Islamic Economics Dimas Fadilah; Ma’mur Munajat; Azizan Sentosah Hutabarat
Journal of Sharia Micro Enterprise and Cooperation Vol. 2 No. 2 (2025): Journal of Sharia Micro Enterprise and Cooperation
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/jsmec.v2i2.12

Abstract

This new era of digital connectivity has made information more accessible, but also highlighted challenges such as disparities in digital literacy and access to technological resources. In Indonesia, the gap in Islamic financial literacy remains a significant barrier to the optimal growth of the Islamic financial industry. Despite increasing access to information, understanding of Islamic financial products remains low. Amidst globalization and the overwhelming flow of information, product innovation is crucial for enhancing public interest and knowledge of Islamic financial services. These innovations include product simplification, the integration of digital technology, and the incorporation of Islamic values into product design and promotion. This study aims to examine the strategy of strengthening Islamic financial literacy through product innovation in response to the challenges of the globalization era, using a qualitative literature review approach from an Islamic economic perspective. The findings indicate that the low level of Islamic financial literacy in Indonesia remains a significant obstacle to the optimal development of the Islamic financial industry. In the context of globalization, product innovation is crucial to increasing the attractiveness and public understanding of Islamic financial services. This research also emphasizes the importance of the role of Islamic financial institutions, the government, and relevant authorities in providing sustainable, collaborative education based on Islamic values. Strengthening Islamic financial literacy will promote public participation in the Islamic financial system and enhance the economic resilience of the ummah both nationally and globally.
Konsep Mekanisme Pasar Dalam Pemikiran Ekonomi Islam: Studi Pemikiran Yahya Bin Umar Raihan Yahya Ismail; Azizan Sentosah Hutabarat; Wartoyo
Al-Wajih: The Journal of Islamic Studies Vol. 1 No. 2 (2024): Studi Keislaman
Publisher : Sekolah Tinggi Ilmu Tarbiyah Buntet Pesantren

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54213/alwajih.v1i2.639

Abstract

Penelitian ini membahas secara komprehensif tentang konsep mekanisme pasar dalam ekonomi Islam berdasarkan pemikiran Yahya bin Umar, seorang ulama Maliki asal Andalusia yang hidup pada abad ke-9 M. Pemikirannya dianggap sebagai fondasi awal regulasi pasar yang tidak hanya memprioritaskan efisiensi, tetapi juga menjunjung tinggi prinsip keadilan, transparansi, dan etika dalam aktivitas ekonomi. Melalui pendekatan kualitatif dan studi pustaka, penelitian ini mengkaji bagaimana Yahya bin Umar menentang intervensi harga secara sepihak oleh negara dalam kondisi pasar normal, namun mendorong peran aktif pemerintah ketika praktik seperti penimbunan (ihtikar) dan dumping harga (siyasah al-ighraq) mengancam kesejahteraan publik. Ia juga menekankan pentingnya peran lembaga hisbah dalam mengawasi jalannya pasar agar tetap adil dan bermoral. Pemikiran Yahya bin Umar menawarkan kerangka pasar yang menyeimbangkan antara kebebasan ekonomi dan keadilan sosial, serta relevan untuk menjawab tantangan pasar modern, termasuk digitalisasi dan praktik monopoli. Penelitian ini menegaskan bahwa warisan intelektual Yahya bin Umar dapat dijadikan pijakan normatif dan aplikatif dalam membangun ekonomi Islam kontemporer yang etis dan berkeadilan.
Co-Authors Dimas Fadilah Ma’mur Munajat Raihan Yahya Ismail Wartoyo