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All Journal Indonesian Journal of Islamic Religious Education (INJIRE)
Suryadi
Lekdis Nusantara Indonesia
Religion Humanities Education Other

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Strengthening Islamic Financial Literacy through Islamic Educational Institutions in Indonesia Mufiqur Rahman; Gabriela Guteres; Suryadi
Indonesian Journal of Islamic Religious Education Vol. 4 No. 1 (2026): Indonesian Journal of Islamic Religious Education (INJIRE)
Publisher : ADPISI (Asosiasi Dosen Pendidikan Agama Islam Se-Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63243/Injire.v4i1.03

Abstract

This study examines the condition of Islamic financial literacy in Indonesia, where literacy levels remain substantially lower than those of conventional finance, despite the country’s status as the world’s largest Muslim-majority nation. Islamic financial education has not yet been systematically integrated into the national education framework. Using a qualitative research design, this study employs thematic analysis of policy documents, in-depth interviews, and selected case studies to explore the structural and socio-cultural factors influencing Islamic financial literacy. The findings reveal several interconnected challenges, including limited curricular integration across educational levels, insufficient instructional resources, minimal engagement from Islamic financial institutions, and the weak involvement of parents in early financial education. Empirical evidence indicates that Islamic financial literacy among high school and university students remains low, with a notable discrepancy between conceptual understanding and actual financial behavior. Pesantren and madrasah have not yet functioned optimally as centers for Islamic financial education and community-based economic empowerment. The study underscores that improving Islamic financial literacy requires not only educational reform but also the alignment of knowledge, institutional support, and everyday financial practices in accordance with Sharia principles.
Co-Authors Gabriela Guteres Mufiqur Rahman