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All Journal Muqtasid: Jurnal Ekonomi dan Perbankan Syariah AL-FALAH : Journal of Islamic Economics Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah TAMWIL: Jurnal Ekonomi Islam JURIS (Jurnal Ilmiah Syariah) MABIS: Jurnal Manajemen Bisnis Syariah Jurnal Akuntansi Syariah (JAkSya) Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Imara: Jurnal Riset Ekonomi Islam Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Al-bank: Journal of Islamic Banking and Finance Management of Education: Jurnal Manajemen Pendidikan Islam
Rizal Rizal
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Islamic Sustainable Financial Literacy: Offering the Concept of Sustainable Financial Literacy Based on Maqashid Shariah Emiliyani Wahyuni; Rizal Rizal; Chitra Indah Sari
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 1 (2026)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v12i1.9039

Abstract

Purpose:This study develops a conceptual framework of Islamic Sustainable Financial Literacy (ISFL) by integrating Maqashid Shariah principles with sustainability perspectives. Existing financial literacy models largely focus on technical and cognitive aspects, with limited attention to ethical, social, and environmental dimensions. This research addresses this gap by proposing a holistic literacy model aligned with Islamic values and sustainable development.Design/Methodology:The study employs a qualitative conceptual approach using a systematic literature review. Academic articles, Islamic economic literature, and relevant policy documents were analyzed. Thematic content analysis was applied to identify and synthesize key concepts related to financial literacy, sustainability, and Maqashid Shariah.Findings:The results show that sustainable Islamic financial literacy extends beyond knowledge of Sharia-compliant products. The ISFL framework consists of four dimensions: cognitive, affective, behavioral, and socio-ecological. Key indicators include Sharia knowledge, financial capability, eco-social awareness, Islamic ethical orientation, and active economic participation. These dimensions are conceptually linked to Maqashid Shariah objectives and the Sustainable Development Goals (SDGs)..Practical Implications:The proposed framework provides guidance for policymakers, Islamic financial institutions, and educators in designing financial literacy programs that integrate ethical, social, and environmental considerations. It also supports the development of more comprehensive literacy measurement tools and sustainability-oriented financial education.Originality/Value:This study offers a novel integrative model of Islamic Sustainable Financial Literacy by explicitly combining Islamic financial literacy, Maqashid Shariah, and sustainability principles. The framework enriches the financial literacy literature and contributes to the advancement of Islamic finance and sustainable development discourse..
Co-Authors Alfi Rahmi HS Alimin Alimin ANITA, RINI Ashri Ramadhani Asrul Gustomi Chitra Indah Sari David David Diatul Fajri ELFADHLI ELFADHLI Elmiliyani Wahyuni ELSA FITRI AMRAN Emiliyani Wahyuni Farid Ahmad Marlion FATIMAH SETIA WARDHANI Firdaus, Nil Fitri Yenti Ghita Ramadhayanti Himyar Pasrizal Himyar Pasrizal Himyar Pasrizal HUSNI SHABRI Ifelda Nengsih Ifelda Nengsih Intan Purnama Sari Megi Saputra Nadia Renata Nil Firdaus Nofrivul Nofrivul Novia Nengsih Pertiwi Utami Rizal Fahlefi Rizal Fahlefi Rizal Fahlevi Roby Setiawan Ruslan Abdul Ghofur Shofian Ahmad Wan Nor Aisyah Wan Yussof Wiranda Wulandari Yeni Melia Zainuddin Zainuddin