Mahmadah Hanafi, Syafiq
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SHARIA FINANCIAL LITERATURE IN PROMOTING RELIGIOUS MODERATION IN INDONESIA Bahri S, Andi; Mahmadah Hanafi, Syafiq; Markarma, Andi; Megandani, Adi
Jurnal Lektur Keagamaan Vol 20 No 2 (2022): Bahasa Inggris
Publisher : Center for Research and Development of Religious Literature and Heritage, Agency for Research and Development and Training, Ministry of Religious Affairs of the Republic of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (852.031 KB) | DOI: 10.31291/jlka.v20i2.1091

Abstract

ABSTRACT Sharia financial literacy, especially for the younger generation is one among focuses of the Financial Services Authority (OJK) programs. As the largest age group in Indonesia, young people have the potential to become the users and actors of Islamic finance. On the other hand, this age group is also vulnerable to associating 'sharia' with economic active­ties which may not be in line with the national vision of religious modera­tion. One of the efforts made by OJK is publishing Sharia finance text­books. This study examines the content of values and culture in the Sharia financial literacy textbook by the OJK and its relation to the national vision of religious moderation. This research employs qualitative descript­tive method, where data was collected through interviews, observations and text analysis. The main data of this study were financial literacy textbooks by OJK, which were analyzed to obtain the elements of Islamic financial literacy and cultural characteristics that uphold tolerance and religious moderation. The study found that the Islamic financial literacy series contains inclusive content where the characters in the book use local Indonesian names from diverse ethnics and religious backgrounds. In addition, the Sharia financial literacy series also promotes the values of professionalism, commitment and tolerance. Thus, it can be concluded that the content of Islamic financial literacy published by OJK is in accor­dance with the vision of religious moderation. Keywords: Financial Services Authority (OJK), Religious Moderation, Sharia Financial Literature, Young Generation.  ABSTRAK Literasi keuangan syariah terutama terhadap generasi muda men­jadi salah satu fokus program Otoritas Jasa Keuangan (OJK). Hal ini dikarenakan generasi muda yang menjadi kelompok usia terbesar di Indonesia berpotensi menjadi pengguna dan pelaku keuangan syariah. Di sisi yang lain, kelompok usia ini juga rentan mengasosiasikan ‘syariah’ dengan kegiatan perekonomian yang bisa jadi tidak sejalan dengan visi moderasi beragama. Salah satu upaya yang dilakukan OJK untuk mening­katkan tingkat literasi keuangan generasi muda adalah dengan menerbit­kan buku teks keuangan syariah. Penelitian ini mengkaji muatan nilai dan budaya dalam buku literasi keuangan syariah oleh OJK dan kaitannya dengan visi nasional moderasi beragama. Penelitian ini adalah kualitatif deskriptif, dimana data dikumpulkan melalui wawancara, pengamatan, dan analisis teks. Data utama penelitian ini adalah buku teks literasi keuangan, yang kemudian dianalisis untuk mendapatkan esensi literasi keuangan syariah serta karakter budaya yang menjunjung sikap toleransi dan moderasi beragama. Hasil penelitian menunjukkan bahwa seri lite­rasi keuangan syariah memuat konten yang inklusif dimana karakter yang ada di buku tersebut menggunakan nama-nama lokal khas Indonesia dari latar belakang etnik dan agama yang beragam. Selain itu, seri literasi keuangan syariah ini juga mempromosikan nilai profesio­nalis­me, komit­men dan toleransi. Dengan demikian, dapat disimpulkan bahwa konten literasi keuangan syariah yang diterbitkan oleh OJK ini sesuai dengan visi moderasi beragama.  Kata kunci, Generasi Muda, Literasi Keuangan Syariah, Moderasi Beragama, Otoritas Jasa Keuangan (OJK).
Implementation of Muhammadiyah Islamic Economic Thought in University Economic Governance: A Multiple Case Study at UMY and Unismuh Makassar Mas'udi, Mohammad; Azhari, Susiknan; Mahmadah Hanafi, Syafiq
Journal of Islamic Economic and Business Research Vol. 5 No. 2: December 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i2.529

Abstract

This research aims to understand how Muhammadiyah's Islamic economic thought is implemented in economic management at Muhammadiyah universities, specifically at Universitas Muhammadiyah Yogyakarta (UMY) and Universitas Muhammadiyah Makassar (Unismuh). This study is motivated by Muhammadiyah's commitment to building an economic system that is just and based on Islamic values, as well as the important role of universities as centers for the development of Islamic economic thought and practice. Using a qualitative multi‑case study design, data were collected through in‑depth interviews with 12 informants, consisting of university leaders, directors of business units, lecturers, and Muhammadiyah council representatives. Data analysis followed an inductive thematic approach supported by coding, categorization, and cross‑case comparison, while validity was ensured through triangulation of sources and member checking. The research findings conclude that the implementation of Muhammadiyah's Islamic economic thought in both universities is reflected in three main aspects: (1) institutional policies oriented toward the values of justice and economic independence, (2) integration of Islamic economic values into the curriculum and academic activities, and (3) development of campus-based Islamic business units as a form of equitable economic practice. Despite differences in local context, both universities show similarities in the spirit of Muhammadiyah economic da'wah, which emphasizes ethics, justice, and social welfare. This research contributes to enriching the discourse on the application of Muhammadiyah Islamic economic thought in Islamic higher education and provides recommendations for strengthening the institutionalization of Islamic economics in Muhammadiyah universities in Indonesia.