Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

Strategi Peningkatan Inklusi Keuangan Syariah di Sekolah An-Nikmah Kamboja

Farhan Wardana Solin (Universitas Muhammadiyah Sumatera Utara)
Rahmayati (Universitas Muhammadiyah Sumatera Utara)



Article Info

Publish Date
04 Aug 2025

Abstract

                This study aims to analyze strategies for increasing Islamic financial inclusion at An-Nikmah School in Cambodia, an Islamic educational institution in a country with a Muslim minority population. The main challenge faced is students' limited practical understanding of and access to Islamic financial products. This research used a descriptive-qualitative case study approach. Data were collected through in-depth interviews, participant observation, and document analysis with 33 participants, including students, teachers, school administrators, parents, community leaders, and financial practitioners. The results reveal internal strengths in the form of a commitment to Islamic principles, as well as challenges such as limited learning resources and technological infrastructure. The resulting strategies include the development of an integrated curriculum, teacher training, a mini-finance laboratory, a family literacy program, and partnerships with regional Islamic financial institutions. Implementation requires a phased approach with a monitoring system and innovative learning technology. This research provides an empirical contribution to strengthening Islamic financial literacy in education in a Muslim minority country.

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Journal Info

Abbrev

alkharaj

Publisher

Subject

Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies ...