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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Tabarru': Islamic Banking and Finance Iqtishoduna: Jurnal Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Jurnal Pendidikan, Sains, Geologi, dan Geofisika (GeoScienceEd Journal) Muhasabatuna: Jurnal Akuntansi Syariah MES Management Journal Jurnal Pendidikan Indonesia (Japendi) Journal of Educational Management Research El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Islamic economics Perspectives (JIEP) Journal of Ekonomics, Finance, and Management Studies
Rahmayati
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Chemistry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Social Sciences

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Journal : Journal of Educational Management Research

 1 
Strategies for Enhancing Sharia Financial Literacy in Early Childhood Education Lestari, Poppy Indah; Rahmayati
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2181

Abstract

This study aims to analyze strategies for improving Islamic financial literacy in early childhood education institutions. Using a qualitative approach with a case study design, data were collected through non-participatory observation, in-depth interviews with key stakeholders (principal, treasurer, and teachers), and document analysis. Data analysis followed the Miles and Huberman model, involving data reduction, presentation, and conclusion drawing. The findings reveal that effective strategies include integrating Islamic financial values into children's learning activities, implementing Sharia-compliant institutional financial management, involving teachers and parents, and promoting saving and sharing practices. These strategies enhance understanding of Islamic financial literacy and improve transparency and accountability in financial management. The study concludes that Islamic financial literacy can be developed from an early age through habituation, role modeling, and Sharia-based institutional practices, although further capacity building for human resources and continuous program strengthening are needed.
Beyond Convenience: Generation Z’s Perceptions of E-Wallet Use and Its Implications for Financial Literacy and Educational Management Bain, Umar; Rahmayati
Journal of Educational Management Research Vol. 5 No. 3 (2026)
Publisher : Al-Qalam Institue

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/jemr.v5i3.2003

Abstract

This study aims to analyze Generation Z’s perceptions of the use of e-wallets such as Touch 'n Go, GrabPay, and MAE in their daily financial activities and to examine the implications for digital financial behavior and educational management. The study uses a qualitative approach with a descriptive case study design to obtain an in-depth understanding of users’ experiences with digital payment technologies. Informants were selected through purposive sampling based on the criteria of belonging to Generation Z and actively using at least one e-wallet application. Data were collected through in-depth interviews, observation, and documentation, and analyzed using interactive analysis techniques including data reduction, data display, and conclusion drawing. The findings show that Generation Z generally has positive perceptions of e-wallet usage, particularly regarding convenience, usefulness, and the integration of digital services that facilitate efficient transactions. However, ambivalent perceptions were also identified, especially related to concerns about data security and the potential for consumptive behavior due to promotional incentives such as cashback and discounts. These findings indicate that e-wallets are perceived not only as payment tools but also as part of the digital lifestyle of Generation Z. The study highlights the importance of strengthening digital financial literacy and responsible financial behavior through educational management strategies.
Co-Authors Abdullah Sani Adhatia, Raihan Ahmad Afandi Ahmad Affandi Anggraini, Sholawatin Meisya Bain, Umar Br Sebayang, Nur Isma Tasya Dara Fariz Hafizh Zulfi Barus, Fariz Gea, Ulfa Mardiah Irzatul FIra Isra Hayati Lestari, Poppy Indah Mardiah, Ulfa Margolang, Yusrinaldi Rahman Muhammad Arifin Lubis Muhammad Mahardhiko Sabina Sarjan sinurat, Nuriyani Devi Siregar, Chaliza Aini Siti Mujiatun Sohibul Wafa Fadlan Zamil Wahyu Fitria Anggraini Zailani