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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Riset Pendidikan Dasar Pepatudzu : Media Pendidikan dan Sosial Kemasyarakatan Jurnal Ilmu Komputer dan Sistem Informasi (JIKOMSI) Journal Peqguruang: Conference Series Jurnal Pendidikan Matematika Malikussaleh Journal of Mathematics and Technology (MATECH) Ranah Research : Journal of Multidisciplinary Research and Development El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Rahayu, Ade
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Religion Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Public Health Social Sciences Transportation Other

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Integrasi Literasi Keuangan Syariah dalam Kurikulum Pendidikan Tinggi: Kerangka Integratif Kumaidi, Kumaidi; Saskia, Arna; Rahayu, Ade; Padli, Hardiansyah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10885

Abstract

The rapid growth of Indonesia’s Islamic finance industry contrasts with persistently low Islamic financial literacy, particularly among university students as future professionals. This study aims to synthesize existing literature to develop an integrative framework for embedding Islamic financial literacy within higher education curricula, identify multi-level implementation barriers, and propose adaptive strategies aligned with digital transformation. Using a qualitative Systematic Literature Review (SLR), this study analyzes ten peer-reviewed publications published between 2021 and 2025 through content and thematic analysis. The findings indicate that effective integration requires a holistic curriculum design encompassing cognitive, affective, and psychomotor competencies, supported by institutional readiness, lecturer capacity, and multi-stakeholder collaboration. Major barriers emerge at the micro, meso, and macro levels, including superficial digital literacy, limited interdisciplinary expertise among lecturers, fragmented institutional policies, and weak coordination between academia, industry, and regulators. This study demonstrates that digital transformation offers strategic opportunities to strengthen Islamic financial literacy through interactive, experiential, and community-based learning, provided it is accompanied by the development of critical and ethical financial reasoning. The main contribution of this research lies in proposing an integrative framework that connects curriculum design, implementation barriers, and adaptive strategies within a value-based and digitalized education context, offering theoretical and practical implications for higher education institutions and policymakers.
Co-Authors Abdul Latief Andini Usman Ardana, Amanda Putri Hamid, Syamsu Alam Hayatun Nufus Husnul Khatimah indah, annisa K, Irwan Kumaidi Kumaidi Mahdiah Mahdiah Muhammad Nadir Munawarah, Eka Mursalin . Musdalifah Musdalifah Nurwasila, Nurwasila Padli, Hardiansyah Pramudhita , Chika Pramudhita, Chika Putri Ardana, Amanda Rohantizani, Rohantizani Sarbi, Sukadji Saskia, Arna Siregar, Rianty Zabitha Suhaina, Suhaina Syafitri, Dea SYAMSU ALAM Usman, Santi Warahma, Mawaddah Yulia Zahara Zabitha Sirega, Rianty