Sharia Financial Literacy And Inclusion In Islamic Boarding Schools Of Rabithah Of Islamic Ma'ahid Of Nahdlatul Ulama DKI Jakarta
Keywords:
Islamic Financial Literacy, Islamic Financial Inclusion, Welfare, Maqashid Sharia, Islamic Boarding School
Abstract
This study aims to determine the index of Islamic financial literacy and inclusion in Islamic boarding schools with a case study at RMI NU DKI Jakarta and analyze the effect of Islamic financial literacy and inclusion on welfare proxied by Maqashid Sharia. Primary data analyzed with descriptive statistics to measure the Islamic financial literacy and inclusion index; and SEM-PLS to analyze the effect of Islamic financial literacy and inclusion on welfare proxied by Maqashid Sharia. The results showed that 34% of respondents had Islamic financial literacy and inclusion index well-literate, 57% in sufficient literate, and 9% in less literate. Islamic financial literacy has a significant positive effect on welfare proxied by Maqashid Sharia. Meanwhile, Islamic financial inclusion has a positive but insignificant effect. The government and Islamic financial institutions must increase the socialization of Islamic financial literacy in Islamic boarding schools and increase access to finance by adequate supporting infrastructure.
References
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Ramdhani, F. B., Ibrahim, M. Y., Masruhen, M. F. Bin, & Fadhiyah, N. (2022). Pengaruh Literasi Keuangan Syariah terhadap Perilaku Keuangan Masyarakat Binaan Pondok Pesantren Daarut Tauhid Kabupaten Bogor. Al Tasyree: Jurnal Bisnis, Keuangan Dan Ekonomi Syariah, 14(02), 80–101.
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Ahyar, M. K., & Fakultas. (2018). Literasi Keuangan Syariah Dan Pondok Pesantren (Studi Kasus Pondok Modern Asy-Syifa Balikpapan). ISLAMICONOMIC: Jurnal Ekonomi Islam, 9(2), 191–210. https://doi.org/10.32678/ijei.v9i2.107
Ali, M. M., Sakti, M. R. P., & Devi, A. (2019). Developing Islamic Financial Inclusion Index for Islamic Banks in Indonesia: a Cross-Province Analysis. Journal of Islamic Monetary Economics and Finance, 5(4), 691–712. https://doi.org/10.21098/jimf.v5i4.1098
Auda, J. (2008). Maqashid al-Syariah as Philosophy of Islamic Law: A System Approach. London: The International Institute of Islamic Thought.
Beik, I. S., & Arsyianti, L. D. (2020). Islamic financial literacy in muslim majority country. ISLAMINOMICS: Journal of Islamic Economics, Business, and Finance, 10(2), 87–91.
Chapra, U. (2001). The Future of Economics: an Islamic Perspective. Jakarta: Shari ah Economics and Banking Institute.
Farida, A. (2022). Analisis Pengaruh Tingkat Literasi Keuangan Syariah dan Lingkungan Sosial terhadap Lembaga Keuangan syariah (Studi pada Santri Pondok Pesantren Ngalah). Journal of Islamic Economics Sudies and Practice, 1(2), 146–165.
Ghozali. (2016). Aplikasi Analisis Multivariate. Semarang: Badan Penerbit Universitas Diponegoro.
Hambali, M. Y., & Dewi, F. R. (2019). Pengaruh Literasi Keuangan Syariah Terhadap Keuangan Masyarakat Sekitar Pondok Pesantren di Kecamatan Cibitung Bekasi. Jihbiz: Global Journal of Islamic Banking and Finance, 1(2). https://doi.org/http://dx.doi.org/10.22373/jihbiz.v1i2.8573
Hannig, A., & Jansen, S. (2010). Financial Inclusion and Financial Stability: Current Policy Issues Asian Development Bank Institute. Retrieved from www.adbi.org
Haq, H. (2007). Al-Syatibi: Aspek Teologis Konsep Maslahah dalam Kitab AlMuwafaqat. Jakarta: Erlangga.
Hidayah, N. (2022). Literasi Keuangan Syariah Teori dan Praktik di Indonesia. Depok: Rajawali Press.
Ibrahim, W. H. W., & Ismail, A. G. (2020). Do Regulation, Maqashid Shariah, and Institutional Parameter Improve Islamic Bank Efficiency? Journal of Islamic Monetary Economics and Finance, 6(1), 135–162. https://doi.org/https://doi.org/10.21098/jimf.v6i1.1195
IDEAS. (2022, September). Kebijakan Spin Off dan Masa Depan Perbankan Syariah. IDEAS.
Iramayasari, & Adry, M. R. (2020). Pengaruh Inklusi Keuangan Terhadap Stabilitas Sistem Keuangan. Jurnal Kajian Ekonomi Dan Pembangunan, 2(2), 29–38.
Jayengsari, R., & Husnaeni, U. A. (2020). Management Of Financial Inclusion In Islamic Banking: Evidence From Indonesia. AGREGAT: Jurnal Ekonomi Dan Bisnis, 4(1), 44–58. https://doi.org/10.22236/agregat
Kartika, I., Kiryanto, & Cahyaningtyas, R. N. (2022). Maqashid Sharia-Based Performance Improvement Model: A Case Study In Islamic Banks In Indonesia. International Journal of Islamic Business Ethics, 7(1), 16–29. https://doi.org/http://dx.doi.org/10.30659/ijibe.7.1.16-29 if
Kim, D.-W., Yu, J.-S., & Hassan, M. K. (2018). Financial inclusion and economic growth in OIC countries. Research in International Business and Finance, 43(January), 1–14. https://doi.org/https://doi.org/10.1016/j.ribaf.2017.07.178
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1), 5–44.
Mansyur, A., & Ali, E. M. T. bin E. (2022). The Adoption of Sharia Fintech Among Millenial in Indonesia: Moderating Effect of Islamic Financial Literacy on UTAUT 2. International Journal of Academic Research in Business & Social Sciences, 12(4), 1329–1343. https://doi.org/10.6007/IJARBSS/v12-i4/13035
Mason, C. L. J., & Wilson, R. M. S. (2000). Conceptualising Financial Literacy. Loughborough: Business School, 7.
Nuraini, P., Alfani, M. H., & Hamzah, Z. (2020). Literasi produk Perbankan Sariah Bagi Guru Pondok Pesantren di Kota Pekanbaru. COSTING: Journal of Economic, Business and Accounting, 4(1), 255–262.
Otoritas Jasa Keuangan. (2019). Survey Nasional Literasi dan Inklusi Keuangan 2019. Jakarta.
Otoritas Jasa Keuangan. (2022). Statistik Perbankan Syariah Juli 2022. Jakarta.
Pradinaningsih, N. A., & Wafiroh, N. L. (2022). Pengaruh Literasi Keuangan, Sikap Keuangan dan Self-Efficacy Terhadap Pengelolaan Keuangan Ibu Rumah Tangga. E-Jurnal Akuntansi, 32(6), 1518–1535. https://doi.org/10.24843/EJA.2022.v32.i06.p10
Praswati, A. N. (2017). Perkembangan Model Helix Dalam Peningkatan Inovasi. Seminar Nasional Riset Manajemen & Bisnis 2017, 690–705.
Purwanto, E., Miyasto, & Mardani. (2021). Analysis of Islamic Human Development Index Maqashid Syariah Perspective. Indonesian Journal of Business, Accounting, and Management, 4(02), 23–27.
Puspitaningrum, R. (2021). Empirical Evidence of the Impact of Islamic Financial Inclusion on Human Welfare of Maqashid Sharia Perspective in Indonesia. Review of Islamic Economics and Finance, 4(1), 33–44.
Ramdhani, F. B., Ibrahim, M. Y., Masruhen, M. F. Bin, & Fadhiyah, N. (2022). Pengaruh Literasi Keuangan Syariah terhadap Perilaku Keuangan Masyarakat Binaan Pondok Pesantren Daarut Tauhid Kabupaten Bogor. Al Tasyree: Jurnal Bisnis, Keuangan Dan Ekonomi Syariah, 14(02), 80–101.
Rohim, A. N., Priyatno, P. D., & Sari, L. P. (2021). Literasi Keuangan Syariah di Pondok Pesantren Al-Jadid, Kecamatan Kopo, Kabupaten Serang. Abdimas Galuh, 3(2), 371–378.
Salsabila, A., & Hapsari, M. T. (2022). Pengaruh Pendapatan dan Literasi Keuangan Terhadap Kesejahteraan Keuangan Keluarga di Desa Kolomayan Kecamatan Wonodadi Blitar. SAINS: Jurnal Manajemen Dan Bisnis, XIV(2), 222–239.
Santoso, S. (2014). Konsep Dasar dan Aplikasi SEM dengan Amos 22. Jakarta: PT Elex Media Komputindo.
Sarma, M. (2012). Index of Financial Inclusion – A measure of financial sector inclusiveness (No. Working Paper No.07/2012). Berlin.
Sarma, M., & Pais, J. (2012). Financial Inclusion and Development: A Cross Country Analysis. Journal Of Financial Economics, 1–30. https://doi.org/10.1002/jid
Sugiyono. (2015). Metode Penelitian. Bandung: Alfabeta.
Umar, A. I. (2017). Index Of Syariah Financial Inclusion In Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 20(1), 67–80. Retrieved from https://scholar.google.com/citations?view_op=view_citation&hl=en&user=BSZOSwYAAAAJ&pagesize=100&citation_for_view=BSZOSwYAAAAJ:WC23djZS0W4C
World Bank. (2015). World Bank.
Yushita, A. N. (2017). Pentinya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal :Barometer Riset Akuntansi Dan Manajemen, VI(1), 15.
Published
2023-04-27
How to Cite
Hidayah, N., Azis, A., Mathari, N. N., & Mutiara, T. (2023). Sharia Financial Literacy And Inclusion In Islamic Boarding Schools Of Rabithah Of Islamic Ma’ahid Of Nahdlatul Ulama DKI Jakarta. Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 7(1), 1-15. https://doi.org/10.24252/al-mashrafiyah.v7i1.36027
Section
AL-MASHRAFIYAH VOLUME 7 NOMOR 1 (2023)
Copyright (c) 2023 Nur Hidayah, Abdul Azis, Nadhil Novarel Mathari, Tira Mutiara
This work is licensed under a Creative Commons Attribution 4.0 International License.
