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All Journal Mazahib JURIS (Jurnal Ilmiah Syariah) Jurnal Integrasi Ilmu Syariah (Jisrah) EKONOMIKA SYARIAH : Journal of Economic Studies Al-Istinbath: Jurnal Hukum Islam Jurnal Ilmu Syariah dan Hukum Al Ushuliy Jurnal Salingka Nagari
Yustiloviani, Yustiloviani
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Religion Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Literasi Pembiayaan Legal Sebagai Landasan Keharmonisan Keluarga: Studi Kasus di Nagari Pagaruyung Yustiloviani, Yustiloviani; Nabilah, Wardatun; Rizal, Deri; Putri, Siska Elasta; Husni, Alfi; Asrinaldi, Asrinaldi; Mariko, Suhatri
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

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Abstract

This study examines the role of legal financing literacy in fostering family harmony and resilience within the community of Nagari Pagaruyung, Indonesia. Using a Community-Based Research approach and the Pentahelix collaboration model, the program integrates legal education, financial literacy training, and partnerships with formal financing institutions to strengthen lawful and sustainable economic practices. Activities include family-centered legal counseling, awareness campaigns on financial and legal risks, and empowerment of community and religious leaders as literacy agents. Data were collected via in-depth interviews with society members affected by illegal financing. Analysis assessed the impact of rentenir on family resilience, revealing significant improvements in household understanding of legal mechanisms, reduced reliance on illegal loans, and increased access to formal sharia services. This strengthened family communication, economic stability, and vulnerability reduction, enhancing social harmony.The findings reveal significant improvements in household understanding of legal financial mechanisms, a decline in reliance on illegal lending practices, and increased access to formal, sharia-compliant financing services. Strengthened family communication, economic stability, and reduced financial vulnerability contribute to greater social harmony and resilience. The study recommends the continuous integration of legal-financial literacy into community education and the reinforcement of multisectoral collaboration to sustain family well-being and financial inclusion.
Co-Authors Adrian, Sisi Afrian Raus, Afrian alfi husni, alfi Alfiander, Dodon Asrinaldi Asrinaldi Dewi Putri Eficandra Eficandra Farida Arianti Hayati, Riska Fauziah Herlina, Popi Hidayat, Yoga Mai Irman Irman Kamaluddin Kamaluddin Khairina Khairina, Khairina Linda, Nova Mariko, Suhatri Mauliddin, Mauliddin Miftahurrahmah Miftahurrahmah, Miftahurrahmah Nabilah, Wardatun Putri, Siska Elasta Rahmi, Nailur Renie, Elsy Rizal, Deri Salim, Muhammad Abdullah Warman, Arifki Budia Zainuddin, Zainuddin Zulkifli Zulkifli