PENINGKATAN PENGALAMAN KEUANGAN REMAJA UNTUK LITERASI KEUANGAN SYARIAH YANG LEBIH BAIK
Article Sidebar
Published:
Jul 1, 2019
Keywords:
Literasi Keuangan Syariah, Pengalaman Keuangan, Remaja
Main Article Content
Abstract
Indeks literasi keuangan syariah yang rendah dilaporkan Otoritas Jasa Keuangan (OJK), yaitu sebesar 8,1%. Artinya, 8 dari 100 penduduk Indonesia dapat dikatakan melek keuangan syariah. Sangat minim bila dibandingkan dengan 222 juta atau lebih dari 87% penduduk Muslim di Indonesia. Urgensi literasi keuangan syariah muncul manakala potensi yang besar nampak dari peningkatan aset, variasi produk, serta regulasi yang semakin komprehensif. Sederet program diluncurkan untuk memenuhi tuntutan peningkatan literasi keuangan syariah, tak terkecuali program pendidikan dikalangan muda. Namun, banyak studi menunjukkan program pendidikan yang dijalankan kerap berujung pada kegagalan. Identifikasi mengarah kepada kurangnya penelusuran pada akar pengalaman keuangan. Studi dimaksudkan untuk mengkolaborasikan gagasan yang dapat berperan untuk meningkatkan literasi keuangan syariah dikalangan remaja. Pengalaman dengan uang dan pengajaran orangtua menjadi modalitas yang diharapkan mampu untuk meningkatkannya. Metode kualitatif dipilih dalam rangka membangun pemahaman awal dan mengkonstruksikannya kembali. Hasil akhir dari penulisan berupa kontribusi pemikiran terhadap perspektif pengalaman keuangan remaja yang diharapkan mampu meningkatkan literasi keuangan syariah. Hal ini turut menyadarkan remaja bertindak rasional dalam menyikapi uang sesuai ajaran Islam. Kebenaran ajaran Islam mestinya tidak hanya bermakna kesuksesan akhirat melainkan mampu menjadi pedoman bagi kesuksesan dunia.
Article Details
How to Cite
PENINGKATAN PENGALAMAN KEUANGAN REMAJA UNTUK LITERASI KEUANGAN SYARIAH YANG LEBIH BAIK. (2019). I-Finance: A Research Journal on Islamic Finance, 5(1), 9-22. https://doi.org/10.19109/ifinance.v5i1.3714
Section
Artikel
I-Finance by http://jurnal.radenfatah.ac.id/index.php/I-Finance is lincensed under a Creative Commons Attribution-ShareAlike 4.0 International Lisence.
How to Cite
PENINGKATAN PENGALAMAN KEUANGAN REMAJA UNTUK LITERASI KEUANGAN SYARIAH YANG LEBIH BAIK. (2019). I-Finance: A Research Journal on Islamic Finance, 5(1), 9-22. https://doi.org/10.19109/ifinance.v5i1.3714
References
Ahmad, M. (2010). Personal Fnance: Islamic Financial Planning. Personal Money, 1.
Ahyar, M. K. (2018). Literasi Keuangan Syariah Dan Pondok Pesantren (studi Kasus
Pondok Modern Asy-Syifa Balikpapan). Islamiconomic: Jurnal Ekonomi Islam, 9 (2). Ali, P., Anderson, M. E., McRae, C. H., & Ramsay, I. (2014). The financial literacy of young
Australians: An empirical study and implications for consumer protection and ASIC’s National
Financial Literacy Strategy.
Machmud, A. (2017). Ekonomi Islam Untuk Dunia yang Lebih Baik (1 ed.). Jakarta: Salemba
Empat. ISBN 978-979-061-776-6
Arthur, C. (2012). Financial Literacy Education for Citizens: What Kind of Responsibility, Equality and Engagement? Citizenship, Social and Economics Education, 11(3), 163–176. Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy (OECD Working Papers
on Finance, Insurance and Private Pensions,15.
Bandura, A. (1989). Social Cognitive Theory. Annals of Child Development, 6 (six theories of child development), 85.
Bianco, C. A., & Bosco, S. M. (2011). Financial Literacy: What Are Business Schools Teaching?
Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors
associated with financial literacy among high school students in New Zealand.
International Review of Economics Education, 16, 12–21.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among
College Students. Financial Services Review, 7(2), 107–128.
Cude, B., Lawrence, F., Lyons, A., Metzger, K., LeJeune, E., Marks, L., & Machtmes, K. (2006). College Students and Financial Literacy: What They Know and What We Need to Learn. Proceedings of the Eastern Family Economics and Resource Management Association, 102(9), 106–109.
Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial Literacy, Financial
Education, and Downstream Financial Behaviors. Management Science, 60(8), 1861–
1883.
Fitriana, E. (2018). Pengembangan Media Pembelajaran “Sharing with Syari’’ Berbasis
Video Animasi Untuk Meningkatkan Literasi Keuangan Syariah.” Universitas Negeri
Yogyakarta, 208.
Frijns, B., Gilbert, A., & Tourani-Rad, A. (2014). Learning By Doing: The Role of Financial
Experience in Financial Literacy. Journal of Public Policy, 34(01), 123–154.
Grohmann, A., Kouwenberg, R., & Menkhoff, L. (2015). Childhood Roots of Financial
Literacy. Journal of Economic Psychology, 51, 114–133.
Grohmann, A., & Menkhoff, L. (2015). School, Parents, and Financial Literacy Shape
Future Financial Behavior. DIW Economic Bulletin, 5(30/31), 407–412.
Hospido, L., Villanueva, E., & Zamarro, G. (2015). Finance for All: The Impact of Financial
Literacy Training in Compulsory Secondary Education in Spain.
Kardoyo, Hadi, S., & Nurkhin, A. (2018). Program Peningkatan Literasi Keuangan Syariah Bagi Guru Taman Pendidikan Alquran (TPQ) Di Kota Semarang. Jurnal Pengabdian Kepada Masyarakat, 24(2), 6.
Kiliyanni, A. L., & Sivaraman, S. (2016). The Perception-Reality Gap in Financial Literacy:
Evidence From The Most Literate State in India. International Review of Economics
Education, 23, 47–64.
Lusardi, A. (2015). Financial Literacy Skills for the 21st Century: Evidence from PISA.
Journal of Consumer Affairs, 49(3), 639–659.
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy Around The World: An Overview.
Journal of Pension Economics and Finance, 10(04), 497–508.
Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial Literacy Among The Young.
Journal of Consumer Affairs, 44(2), 358–380.
Mandell, L. (2009). The Impact of Financial Education in High School and College on Financial Literacy and Subsequent Financial Decision Making. American Economic Association Meetings, San Francisco, CA, 51.
Michael Polanyi, & Amartya Sen. (1966). The Tacit Dimension. Chicago and London: The
University of Chicago Press.
Mitchell, O. S., & Lusardi, A. (2015). Financial Literacy and Economic Outcomes: Evidence
and Policy Implications. The Journal of Retirement, 3(1), 107–114.
Mu’izzuddin, M., Taufik, T., Ghasarma, R., Putri, L., & Adam, M. (2017). Financial
Literacy; Strategies and Concepts in Understanding the Financial Planning With Self-Efficacy Theory and Goal SettingTheory of Motivation Approach. International Journal of Economics and Financial Issues, 7(4).
Nidar, S. R., & Bestari, S. (2012). Personal Financial Literacy Among University Students
(Case Study at Padjadjaran University Students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162–171.
Nonaka, I. (2000). A Dynamic Theory of Organizational Knowledge Creation1. Knowledge, Groupware and the Internet (hlm. 3–42).
Nyhus, E. K., & Webley, P. (2013). The Relationship Between Parenting and the Economic
Orientation and Behavior of Norwegian Adolescents. The Journal of Genetic Psychology,
174(6), 620–641.
OJK. (2016a). Salinan Peraturan Otoritas Jasa Keuangan Nomor 76 /Pojk.07/2016 Tentang
Peningkatan Literasi Dan Inklusi Keuangan Di Sektor Jasa Keuangan Bagi Konsumen dan/
atau Masyarakat. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2016b). Survei Nasional Literasi Dan Inklusi Keuangan 2016. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2017a). Literasi Keuangan. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2017b). Roadmap Pengembangan Keuangan Syariah Indonesia
2017-2019. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2017c). Tentang Syariah. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Peng, T.-C. M., Bartholomae, S., Fox, J. J., & Cravener, G. (2007). The Impact of Personal Finance Education Delivered in High School and College Courses. Journal of Family and Economic Issues, 28(2), 265–284.
Razak, L. A. (2015). Exploratory Research into Islamic Financial Literacy in Brunei Darussalam.
Sabri, M. F., MacDonald, M., Hira, T. K., & Masud, J. (2010). Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia. Family and Consumer Sciences Research Journal, 38(4), 455–467.
Senjiati, I. H., Anshori, A. R., & Maulida, I. S. R. (2018). Literasi Keuangan Syariah Bagi Anak
School Age (studi Kasus Pada Siswa Kelas 2 Sd Darul Hikam Bandung). 2(2), 23.
Setiawati, R., Nidar, S. R., Anwar, M., & Masyita, D. (2018). Islamic Financial Literacy:
Construct Process and Validity. 17(4), 12.
Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence, 39(12), 1457–1470.
Sohn, S.-H., Joo, S.-H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ Financial
Literacy: The Role of Financial Socialization Agents, Financial Experiences, and Money Attitudes in Shaping Financial Literacy Among South Korean youth. Journal of Adolescence, 35(4), 969–980.
Susdiani, L. (2017). Pengaruh Financial Literacy dan Financial Experience Terhadap
Perilaku Perencanaan Investasi PNS Di Kota Padang. Jurnal Pembangunan Nagari
(SI), 2(1), 61–74.
Thapa, B. S. (2015). Financial literacy in Nepal: A survey analysis from college students.
NRB Economic Review, 27(1), 49–74.
Totenhagen, C. J., Casper, D. M., Faber, K. M., Bosch, L. A., Wiggs, C. B., & Borden, L.
M. (2015). Youth Financial Literacy: A Review of Key Considerations and
Promising Delivery Methods. Journal of Family and Economic Issues, 36(2), 167–191. Warner, C. K., & Agnello, M. F. (2012). Intergenerational Financial Literacy: The Case for
Teaching Sustainable Financial Decision Making in Schools. Citizenship, Social and
Economics Education, 11(3), 202–212.
Webley, P., & Nyhus, E. K. (2006). Parents’ Influence on Children’s Future Orientation and Saving. Journal of Economic Psychology, 27(1), 140–164.
Webley, P., & Nyhus, E. K. (2013). Economic Socialization, Saving and Assets in
European Young Adults. Economics of Education Review, 33, 19–30.
Widayati, I. (2012). Faktor-Faktor Yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas
Ekonomi Dan Bisnis Universitas Brawijaya. 1, 11.
Wiharno, H., & Enung Nurhayati. (2017). Literasi Keuangan Di Kalangan Mahasiswa.
JRKA, 3(2), 20–33.
Wolfe-Hayes, M. A. (2010). Financial literacy and education: An environmental scan.
International Information & Library Review, 42(2), 105–110.
Ahyar, M. K. (2018). Literasi Keuangan Syariah Dan Pondok Pesantren (studi Kasus
Pondok Modern Asy-Syifa Balikpapan). Islamiconomic: Jurnal Ekonomi Islam, 9 (2). Ali, P., Anderson, M. E., McRae, C. H., & Ramsay, I. (2014). The financial literacy of young
Australians: An empirical study and implications for consumer protection and ASIC’s National
Financial Literacy Strategy.
Machmud, A. (2017). Ekonomi Islam Untuk Dunia yang Lebih Baik (1 ed.). Jakarta: Salemba
Empat. ISBN 978-979-061-776-6
Arthur, C. (2012). Financial Literacy Education for Citizens: What Kind of Responsibility, Equality and Engagement? Citizenship, Social and Economics Education, 11(3), 163–176. Atkinson, A., & Messy, F.-A. (2012). Measuring Financial Literacy (OECD Working Papers
on Finance, Insurance and Private Pensions,15.
Bandura, A. (1989). Social Cognitive Theory. Annals of Child Development, 6 (six theories of child development), 85.
Bianco, C. A., & Bosco, S. M. (2011). Financial Literacy: What Are Business Schools Teaching?
Cameron, M. P., Calderwood, R., Cox, A., Lim, S., & Yamaoka, M. (2014). Factors
associated with financial literacy among high school students in New Zealand.
International Review of Economics Education, 16, 12–21.
Chen, H., & Volpe, R. P. (1998). An Analysis of Personal Financial Literacy Among
College Students. Financial Services Review, 7(2), 107–128.
Cude, B., Lawrence, F., Lyons, A., Metzger, K., LeJeune, E., Marks, L., & Machtmes, K. (2006). College Students and Financial Literacy: What They Know and What We Need to Learn. Proceedings of the Eastern Family Economics and Resource Management Association, 102(9), 106–109.
Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2014). Financial Literacy, Financial
Education, and Downstream Financial Behaviors. Management Science, 60(8), 1861–
1883.
Fitriana, E. (2018). Pengembangan Media Pembelajaran “Sharing with Syari’’ Berbasis
Video Animasi Untuk Meningkatkan Literasi Keuangan Syariah.” Universitas Negeri
Yogyakarta, 208.
Frijns, B., Gilbert, A., & Tourani-Rad, A. (2014). Learning By Doing: The Role of Financial
Experience in Financial Literacy. Journal of Public Policy, 34(01), 123–154.
Grohmann, A., Kouwenberg, R., & Menkhoff, L. (2015). Childhood Roots of Financial
Literacy. Journal of Economic Psychology, 51, 114–133.
Grohmann, A., & Menkhoff, L. (2015). School, Parents, and Financial Literacy Shape
Future Financial Behavior. DIW Economic Bulletin, 5(30/31), 407–412.
Hospido, L., Villanueva, E., & Zamarro, G. (2015). Finance for All: The Impact of Financial
Literacy Training in Compulsory Secondary Education in Spain.
Kardoyo, Hadi, S., & Nurkhin, A. (2018). Program Peningkatan Literasi Keuangan Syariah Bagi Guru Taman Pendidikan Alquran (TPQ) Di Kota Semarang. Jurnal Pengabdian Kepada Masyarakat, 24(2), 6.
Kiliyanni, A. L., & Sivaraman, S. (2016). The Perception-Reality Gap in Financial Literacy:
Evidence From The Most Literate State in India. International Review of Economics
Education, 23, 47–64.
Lusardi, A. (2015). Financial Literacy Skills for the 21st Century: Evidence from PISA.
Journal of Consumer Affairs, 49(3), 639–659.
Lusardi, A., & Mitchell, O. S. (2011). Financial Literacy Around The World: An Overview.
Journal of Pension Economics and Finance, 10(04), 497–508.
Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial Literacy Among The Young.
Journal of Consumer Affairs, 44(2), 358–380.
Mandell, L. (2009). The Impact of Financial Education in High School and College on Financial Literacy and Subsequent Financial Decision Making. American Economic Association Meetings, San Francisco, CA, 51.
Michael Polanyi, & Amartya Sen. (1966). The Tacit Dimension. Chicago and London: The
University of Chicago Press.
Mitchell, O. S., & Lusardi, A. (2015). Financial Literacy and Economic Outcomes: Evidence
and Policy Implications. The Journal of Retirement, 3(1), 107–114.
Mu’izzuddin, M., Taufik, T., Ghasarma, R., Putri, L., & Adam, M. (2017). Financial
Literacy; Strategies and Concepts in Understanding the Financial Planning With Self-Efficacy Theory and Goal SettingTheory of Motivation Approach. International Journal of Economics and Financial Issues, 7(4).
Nidar, S. R., & Bestari, S. (2012). Personal Financial Literacy Among University Students
(Case Study at Padjadjaran University Students, Bandung, Indonesia). World Journal of Social Sciences, 2(4), 162–171.
Nonaka, I. (2000). A Dynamic Theory of Organizational Knowledge Creation1. Knowledge, Groupware and the Internet (hlm. 3–42).
Nyhus, E. K., & Webley, P. (2013). The Relationship Between Parenting and the Economic
Orientation and Behavior of Norwegian Adolescents. The Journal of Genetic Psychology,
174(6), 620–641.
OJK. (2016a). Salinan Peraturan Otoritas Jasa Keuangan Nomor 76 /Pojk.07/2016 Tentang
Peningkatan Literasi Dan Inklusi Keuangan Di Sektor Jasa Keuangan Bagi Konsumen dan/
atau Masyarakat. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2016b). Survei Nasional Literasi Dan Inklusi Keuangan 2016. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2017a). Literasi Keuangan. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2017b). Roadmap Pengembangan Keuangan Syariah Indonesia
2017-2019. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Otoritas Jasa Keuangan. (2017c). Tentang Syariah. Tersedia di https://www.ojk.go.id/ (Diakses 25 Maret 2019)
Peng, T.-C. M., Bartholomae, S., Fox, J. J., & Cravener, G. (2007). The Impact of Personal Finance Education Delivered in High School and College Courses. Journal of Family and Economic Issues, 28(2), 265–284.
Razak, L. A. (2015). Exploratory Research into Islamic Financial Literacy in Brunei Darussalam.
Sabri, M. F., MacDonald, M., Hira, T. K., & Masud, J. (2010). Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia. Family and Consumer Sciences Research Journal, 38(4), 455–467.
Senjiati, I. H., Anshori, A. R., & Maulida, I. S. R. (2018). Literasi Keuangan Syariah Bagi Anak
School Age (studi Kasus Pada Siswa Kelas 2 Sd Darul Hikam Bandung). 2(2), 23.
Setiawati, R., Nidar, S. R., Anwar, M., & Masyita, D. (2018). Islamic Financial Literacy:
Construct Process and Validity. 17(4), 12.
Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education. Journal of Youth and Adolescence, 39(12), 1457–1470.
Sohn, S.-H., Joo, S.-H., Grable, J. E., Lee, S., & Kim, M. (2012). Adolescents’ Financial
Literacy: The Role of Financial Socialization Agents, Financial Experiences, and Money Attitudes in Shaping Financial Literacy Among South Korean youth. Journal of Adolescence, 35(4), 969–980.
Susdiani, L. (2017). Pengaruh Financial Literacy dan Financial Experience Terhadap
Perilaku Perencanaan Investasi PNS Di Kota Padang. Jurnal Pembangunan Nagari
(SI), 2(1), 61–74.
Thapa, B. S. (2015). Financial literacy in Nepal: A survey analysis from college students.
NRB Economic Review, 27(1), 49–74.
Totenhagen, C. J., Casper, D. M., Faber, K. M., Bosch, L. A., Wiggs, C. B., & Borden, L.
M. (2015). Youth Financial Literacy: A Review of Key Considerations and
Promising Delivery Methods. Journal of Family and Economic Issues, 36(2), 167–191. Warner, C. K., & Agnello, M. F. (2012). Intergenerational Financial Literacy: The Case for
Teaching Sustainable Financial Decision Making in Schools. Citizenship, Social and
Economics Education, 11(3), 202–212.
Webley, P., & Nyhus, E. K. (2006). Parents’ Influence on Children’s Future Orientation and Saving. Journal of Economic Psychology, 27(1), 140–164.
Webley, P., & Nyhus, E. K. (2013). Economic Socialization, Saving and Assets in
European Young Adults. Economics of Education Review, 33, 19–30.
Widayati, I. (2012). Faktor-Faktor Yang Mempengaruhi Literasi Finansial Mahasiswa Fakultas
Ekonomi Dan Bisnis Universitas Brawijaya. 1, 11.
Wiharno, H., & Enung Nurhayati. (2017). Literasi Keuangan Di Kalangan Mahasiswa.
JRKA, 3(2), 20–33.
Wolfe-Hayes, M. A. (2010). Financial literacy and education: An environmental scan.
International Information & Library Review, 42(2), 105–110.