International Journal of Business, Technology, and Organizational Behavior (IJBTOB)
Vol. 6 No. 3 (2026): International Journal of Business, Technology, and Organizational Behavior (IJB

INTEGRATION OF SHARIA FINANCIAL LITERACY INTO THEMATIC LEARNING FOR THE PEWANIDA MUSLIM COMMUNITY IN MALAYSIA.

Siti Kadariah (Universitas Potensi Utama)
Rahmat Daim Harahap (Universitas Islam Negeri Sumatera Utara)
Emi Masyitah (Universitas Potensi Utama)
Yuli Arnida Pohan (Universitas Potensi Utama)
Farida Ulvi Na’imah (Universitas KH. Abdul Chalim)
Nur Dinah Fauziyah (Universitas KH. Abdul Chalim)
Putri Nazli (Universitas Potensi Utama)
Puan Zalhra Binti Puteh (Pewanida Malaysia)
Dea Ananda (Universitas Potensi Utama)



Article Info

Publish Date
30 Jun 2026

Abstract

Sharia financial literacy levels among Muslim households in minority or diaspora communities remain low. Previous studies indicate that many Muslim communities struggle to distinguish between conventional financial products and those compliant with Sharia principles (OECD, 2023; Isa et al., 2024). To address this issue, an integrated educational model has been introduced to leverage local socio-religious potential, strengthen household financial resilience, and enhance Sharia financial inclusion. Although the Pewanida (Women's Association) community in Malaysia consistently participates in religious gatherings, many members still face challenges regarding conceptual understanding, contract governance, managerial capacity, and competitiveness vis-à-vis conventional financial systems. This study employs a qualitative approach—utilizing semi-structured interviews with academic experts from Universitas Potensi Utama and representatives of the Pewanida community in Malaysia—to analyze the implementation of thematic Quranic learning integrated with Sharia financial literacy. The findings reveal that program sustainability relies heavily on community leadership, while misconceptions regarding *Murabahah* financing and limited understanding of formal Sharia financial services remain significant challenges. Therefore, strengthening institutional support and developing a sustainable management framework are crucial for enhancing Sharia financial literacy and fostering community economic resilience.

Copyrights © 2026






Journal Info

Abbrev

ijbtob

Publisher

Subject

Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Library & Information Science Social Sciences

Description

International Journal of Business, Technology, and Organizational Behavior (IJBTOB) (e-ISSN: 2775-4936) is a peer-reviewed journal in the field of general management, entrepreneurship, marketing, Human Resource, Accounting, Business Finance, Business Technology, Digital Technology, Digital ...