Integrasi Nilai-Nilai Ekonomi Islam Dalam Pengelolaan Keuangan Keluarga: Upaya Mewujudkan Kesejahteraan Rumah Tangga

Si Islam Siarno (Universitas Nahdlatul Ulama Surakarta, Surakarta)
Tsalis Bachtiar (Universitas Nahdlatul Ulama Surakarta, Surakarta)

EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)
Vol 8 No 1 (2026): August 2026

Family financial management often faces challenges arising from economic uncertainty and consumerist behavior, highlighting the need for spiritual values as a moral foundation. This study explores how Islamic economic values are integrated into family financial management to promote sustainable household welfare. The research employs a qualitative case study design using interviews, observations, and document analysis to examine participants' financial practices and perspectives. The study population consisted of Muslim families residing in Surakarta City, while the research informants (sample) comprised approximately 20 participants selected using a purposive sampling technique. The informants included heads of households, husbands, or wives who were actively involved in managing household finances and met the predetermined research criteria.The findings reveal that participants demonstrate a strong understanding of Islamic economic principles, which serve as a key reference in household financial decision-making. Disciplined financial management is reflected in the ability to prepare household budgets, distinguish between needs and wants, prioritize saving, and maintain emergency funds. The study further suggests that the application of Islamic values strengthens family financial governance by encouraging responsible financial behavior and long-term financial planning. As a result, household welfare is achieved not only through material well-being, reflected in financial stability, but also through spiritual well-being, characterized by; peace of mind and family harmony. The findings indicate that sustainable household welfare is closely associated with financial management grounded in Islamic moral values rather than income alone. This study contributes to the growing literature on Islamic family finance by demonstrating how Islamic economic values function not only as ethical principles but also as practical guidelines for effective household financial governance and sustainable family welfare.