SHARIA FINANCIAL LITERATURE IN PROMOTING RELIGIOUS MODERATION IN INDONESIA

Authors

  • Andi Bahri S State Islamic Institute of Parepare, Indonesia
  • Syafiq Mahmadah Hanafi State Islamic University of Sunan Kalijaga, Yogyakarta, Indonesia
  • Andi Markarma State Islamic University of Datokarama Palu, Indonesia
  • Adi Megandani University of Göttingen, Germany

DOI:

https://doi.org/10.31291/jlka.v20i2.1091

Keywords:

Financial Services Authority (OJK), Religious Moderation, Sharia Financial Literature, Young Generation

Abstract

ABSTRACT

Sharia financial literacy, especially for the younger generation is one among focuses of the Financial Services Authority (OJK) programs. As the largest age group in Indonesia, young people have the potential to become the users and actors of Islamic finance. On the other hand, this age group is also vulnerable to associating 'sharia' with economic active­ties which may not be in line with the national vision of religious modera­tion. One of the efforts made by OJK is publishing Sharia finance text­books. This study examines the content of values and culture in the Sharia financial literacy textbook by the OJK and its relation to the national vision of religious moderation. This research employs qualitative descript­tive method, where data was collected through interviews, observations and text analysis. The main data of this study were financial literacy textbooks by OJK, which were analyzed to obtain the elements of Islamic financial literacy and cultural characteristics that uphold tolerance and religious moderation. The study found that the Islamic financial literacy series contains inclusive content where the characters in the book use local Indonesian names from diverse ethnics and religious backgrounds. In addition, the Sharia financial literacy series also promotes the values of professionalism, commitment and tolerance. Thus, it can be concluded that the content of Islamic financial literacy published by OJK is in accor­dance with the vision of religious moderation.

Keywords: Financial Services Authority (OJK), Religious Moderation, Sharia Financial Literature, Young Generation.

 ABSTRAK

Literasi keuangan syariah terutama terhadap generasi muda men­jadi salah satu fokus program Otoritas Jasa Keuangan (OJK). Hal ini dikarenakan generasi muda yang menjadi kelompok usia terbesar di Indonesia berpotensi menjadi pengguna dan pelaku keuangan syariah. Di sisi yang lain, kelompok usia ini juga rentan mengasosiasikan ‘syariah’ dengan kegiatan perekonomian yang bisa jadi tidak sejalan dengan visi moderasi beragama. Salah satu upaya yang dilakukan OJK untuk mening­katkan tingkat literasi keuangan generasi muda adalah dengan menerbit­kan buku teks keuangan syariah. Penelitian ini mengkaji muatan nilai dan budaya dalam buku literasi keuangan syariah oleh OJK dan kaitannya dengan visi nasional moderasi beragama. Penelitian ini adalah kualitatif deskriptif, dimana data dikumpulkan melalui wawancara, pengamatan, dan analisis teks. Data utama penelitian ini adalah buku teks literasi keuangan, yang kemudian dianalisis untuk mendapatkan esensi literasi keuangan syariah serta karakter budaya yang menjunjung sikap toleransi dan moderasi beragama. Hasil penelitian menunjukkan bahwa seri lite­rasi keuangan syariah memuat konten yang inklusif dimana karakter yang ada di buku tersebut menggunakan nama-nama lokal khas Indonesia dari latar belakang etnik dan agama yang beragam. Selain itu, seri literasi keuangan syariah ini juga mempromosikan nilai profesio­nalis­me, komit­men dan toleransi. Dengan demikian, dapat disimpulkan bahwa konten literasi keuangan syariah yang diterbitkan oleh OJK ini sesuai dengan visi moderasi beragama.

 Kata kunci, Generasi Muda, Literasi Keuangan Syariah, Moderasi Beragama, Otoritas Jasa Keuangan (OJK).

Downloads

Download data is not yet available.

References

Books

Fealy, Greg. “2. Consuming Islam: Commodified Religion and Aspirational Pietism in Contemporary Indonesia.†In Expres-sing Islam, 15–39. ISEAS Publishing, 2008. https:// doi.org/10.1355/ 9789812308528-006.

Harahap, Zulhamdi Hasian. “Pendidikan Karakter Berbasis Nilai Moral dan Nilai Kebangsaan†1 (2017): 407–10.

Hasan, Noorhaidi, Suhadi, Munirul Ikhwan, Moch Nur Ichwan, Najib Kailani, Ahmad Rafiq, and Ibnu Burdah. Literatur Keislaman Generasi Milenial: Transmisi, Apropriasi, dan Kontestasi. Edit¬ed by Noorhadi Hasan. Yogyakarta: Pasca-sarjana UIN Sunan Kalijaga Press, 2018.

Kemenag, Tim Penyusun. Moderasi Beragama. Kemenag RI 2019. Jakarta: Badan Litbang dan Diklat Kemenag RI, 2019. https://doi.org/10.1017/CBO9781107415324.004.

Keuangan, Kelompok Kerja Literasi. Mengenal Jasa Keuangan Untuk Kelas IV dan V. Jakarta: Otoritas Jasa Keuangan, 2015.

Otoritas Jasa Keuangan. Mengenal Otoritas Jasa Keuangan dan Industri Jasa Keuangan Tingkat SMA. Jakarta: Otoritas Jasa Keuangan, 2017.

Otoritas Jasa Keuangan. Mengenal Otoritas Jasa Keuangan dan Industri Jasa Keuangan Tingkat SMP. Jakarta: Otoritas Jasa Keuangan, 2014.

Pentury, Thomas, Erastus Sabdono, Lince Sihombing, Pontus Sitorus, and Stevri Indra Lumintang. Lukman Hakim Saifuddin, Gaga¬san-Kinerja: Moderasi Beragama dan Transformasi Kelem¬bagaan Pendidikan. Edited by Lince Sihombing, Pontus Sitorus, Suwarsono, and Harianto. Jakarta: Rehobot Literature, 2019.

Ropi, Ismatu. Religion and Regulation in Indonesia. Singapore: Palgrave Macmillan, 2017. https://doi.org/10.1007/978-981-10-2827-4.

Shen, Lihong. “Context and Text.†Theory and Practice in Language Studies 2, no. 12 (December 2012): 2663–69. https://doi.org/ 10.4304/tpls.2.12.2663-2669.

Sila, Adlin. â€Kerukunan Umat Beragama di Indonesia: Menge¬lola Keragaman dari Dalam†dalam Kebebasan, Toleransi, dan Terorisme: Riset dan Kebijakan Agama di Indonesia. Jakarta, Pusat Studi Agama dan Demokrasi Yayasan Paramadina. Jakarta, 2017.

Suhadi, Mohamad Yusuf, Marthen Tahun, Budi Asyhari, and Sudarto. The Politics of Religious Education, The 2013 Curriculum, and the Public Space of the School. Edited by Zainal Abidin Bagir and Linah K. Pary. Yogyakarta, 2015.

Thompson Burdine, Julie, Sally Thorne, and Gurjit Sandhu. “Inter-pretive Description: A Flexible Qualitative Metho¬dology for Medical Education Research.†Medical Educa¬tion 55, no. 3 (2021): 336–43.

Tim PPIM UIN Syarif Hidayatullah Jakarta. Api dalam Sekam Keberagamaan Muslim Gen-Z: Survei Nasional tentang Kebe¬ragaman di Sekolah dan Universitas di Indonesia. Jakarta: PPIM UIN Jakarta, 2018.

Journal Articles

Abdullah, Muhammad Amin. “The Intersubjective Type of Religiosity: Theoretical Framework and Methodological Construction for Developing Human Sciences in a Progressive Muslim Perspec¬tive.†Al-Jami’ah: Journal of Islamic Studies 58, no. 1 (June 2020): 63–102. https://doi. org/10.14421/ajis.2020.581.63-102.

Abdurrazak, Sukron Azhari, Putra Wanda, Lalu Suparman Ambakti, and Humamurrizqi. “Religious Tolerance Based on Local Wis¬dom: Social Perspective of Lombok Community.†Jurnal Lektur Keagamaan 20, no. 1 (2022): 203–26. https://doi.org/10.31291/ jlka.v20.i2.1027.

Asyhad, M., and Wahyu Agung Handono. “Urgensi Literasi Keuangan Syariah pada Pendidikan Dasar.†Miyah: Jurnal Studi Islam 13, no. 01 (2017): 126–43.

Azra, Azyumardi. “The Ahl Al-Sunnah Wa Al-Jama’ah in Southeast Asia: The Literature of Malay-Indonesia ‘Ulama’ and Reforms.†Heritage of Nusantara: Interna¬tional Journal of Religious Literature and Heritage, 2016. https://doi.org/10.31291/hn. v2i1.100.

Bashori, Ahmad Dumyathi. “Konsep Moderat Yusuf Qardhawi: Tolok Ukur Moderasi dan Pemahaman terhadap Nash.†Dialog: Jurnal Penelitian Dan Kajian Keagamaan 36, no. 1 (2013): 1–18.

Cabalin, Cristian. “Analyzing Discourse: Textual Analysis for Social Research.†Comunicación y Medios, no. 27 (November 2013). https://doi.org/10.5354/07163991.2013. 29147.

Dewi, Sita, Dwi Listyowati, and Bertha Elvy Napitupulu. “Bonus Demografi di Indonesia: Suatu Anugrah atau Petaka.†Journal of Information System, Applied, Management, Accounting and Research 2, no. 3 (2018): 17–23.

Djidin, M, and Sahiron Syamsuddin. “Indonesian Interpretation of the Qur’an on KhilÄfah: The Case of Quraish Shihab and Yudian Wahyudi on Qur’an, 2: 30-38.†Al-Jami’ah: Journal of Islamic Studies 57, no. 1 (June 2019): 143–66. https://doi.org/10.14421/ ajis.2019.571.143-166.

Eliza, Any, and Vitria Susanti. “Islamic Financial Literacy among Sharia Bankers in Bandar Lampung.†Share: Jurnal Ekonomi Dan Keuangan Islam 9, no. 1 (2020): 92–109. https://doi.org/ 10.22373/share.v9i1.6875.

Hasan, Noorhaidi. “Education, Young Islamists and Integrated Islamic Schools in Indonesia.†Studia Islamika 19, no. 1 (April 2012). https://doi.org/10.15408/sdi.v19i1.370.

Herrera, Linda, and Asef Bayat. Being Young and Muslim: New Cultural Politics in the Global South and North. American Journal of Islam and Society. Vol. 28. New York: Oxford UniversityPress, 2011. https://doi.org/10.35632/ajis.v28 i2.1256.

Ikhwan, Muhammad Taufiq El. “Determinan Literasi Keuangan Syariah.†Al-Masharif: Jurnal Ilmu Ekonomi Dan Keisla¬man 53, no. 9 (2019): 82–96.

Jha, Gutam Kumar. “Indonesian Cultural System and the Undercur¬rent.†Heritage of Nusantara: International Jour-nal of Religious Literature and Heritage 5, no. 2 (2016). https://doi.org/10.4324/ 9781315440200.

Kailani, Najib. “Kepanikan Moral dan Dakwah Islam Populer (Mem¬baca Fenomena ‘Rohis’ Di Indonesia).†Analisis: Jurnal Studi Keislaman 11, no. 1 (2011): 1–16.

Latief, Hilman. “Youth, Mosques and Islamic Activism: Islamic Source Books in University-Based Halaqah.†Kultur 5, no. 1 (2010): 63–88.

Lukito, Ratno. “Islamisation as Legal Intolerance: The Case of GARIS in Cianjur, West Java.†Al-Jami’ah: Journal of Islamic Studies, 2016. https://doi.org/10.14421/ajis.2016. 542.393-425.

Maarif, Samsul. “The Encounter between Indigenous Religions , World Religions and Modernity.†JICSA 1, no. 1 (2012): 1–11.

Mahdzan, Nurul Shahnaz, Amrul Asraf Mohd-Any, and Mun-Kit Chan. “The Influence of Financial Literacy, Risk Aversion and Expec¬tations on Retirement Planning and Portfolio Allocation in Malaysia.†Gadjah Mada International Jour-nal of Business 19, no. 3 (December 2017): 267. https:// doi.org/10.22146/gamaijb. 24441.

Muassomah, Muassomah. “Text and Context: Exploring Values of Character in ‘Al-Qiro’ah Al-Rosyidah’ Text.†Heritage of Nusantara: International Journal of Religious Literature and Heritage 9, no. 2 (2020): 244–80.

Muassomah, Muassomah, Irwan Abdullah, Istiadah Istiadah, Anwar Mujahidin, Nurnaningsih Masnawi, and Sohrah Sohrah. “Belie¬ve in Literature: Character Education for Indonesia’s Youth.†Universal Journal of Educational Research 8, no. 6 (June 2020): 2223–31. https://doi.org/10. 13189/ujer.2020.080605.

Muhsin, Ilyya, Nikmah Rochmawati, and Muhammad Chairul Huda. “Revolution of Islamic Proselytizing Organization: From Islamism to Moderate.†QIJIS (Qudus International Journal of Islamic Studies) 7, no. 1 (June 2019): 45. https://doi.org/ 10.21043/qijis.v7i1.5076.

Nur, Muhammad, Ichsan Azis, Kholili Badriza, Syahril Siddik, and Amorisa Wiratri. “Arabs in Manado: Network, Capitalism and Identity in the Early Twentieth Century.†Jurnal Lektur Keagamaan 20, no. 1 (2022): 59–88. https://doi.org/10.31291/ jlka.v20.i2.1015.

Petty, Nicola J., Oliver P. Thomson, and Graham Stew. “Ready for a Paradigm Shift? Part 2: Introducing Qualitative Research Methodologies and Methods.†Manual Therapy 17, no. 5 (2012): 378–84. https://doi.org/10.1016/j.math. 2012.03.004.

Putra, Adhitia Pahlawan, M Setyo Nugroho, Kusrawan, Andi Bahri S, and T Heru Nurgiansah. “Muatan Ideologi Pancasila dalam Pembangunan Ekonomi Pariwisata Indonesia.†Jurnal Kewarganegaraan 6, no. 1 (2022): 898–904.

Rozikin, Achmad Zainul, and Irmadatus Sholekhah. “Islamic Financial Literacy, Promotion, and Brand Image towards Saving Intention in Sharia Bank.†Iqtishadia 13, no. 1 (2020): 95. https://doi.org/10.21043/iqtishadia.v13i1.6489.

S, Andi Bahri, Muzdalifah Muhammadun, and Nurul Qisti Al Ihfa. “Literasi Jualan Online untuk Meningkatkan Pema¬saran Hasil Kerajinan pada Komunitas Industri Kreatif Cangkang Kerang di Kota Parepare.†Jurnal Masyarakat Mandiri 6, no. 2 (2022): 1369–82.

Woodward, Mark. “Islam Nusantara: A Semantic and Symbolic Analysis.†Heritage of Nusantara: International Journal of Religious Literature and Heritage 6, no. 2 (2017). https:// doi.org/10.4324/9781315440200.

Yunia, Siti Anisa Pabela, Liyanovitasari, and Mona Saparwati. “Hubungan Kecerdasan Emosional dengan Kenakalan Remaja pada Siswa.†Jurnal Ilmu Keperawatan Jiwa 2, no. 1 (2019): 55–64.

Yunus, Fery Fahrudin, and Ida Vera Sophya. “The Power Within: A Brief on Michel Foucault’S Ideas of Education and Social Theory.†QIJIS: Qudus International Journal of Islamic Studies 4, no. 1 (2016): 106–15.

Archives and Newspapers

Afandi, Thohir. “Bonus Demografi 2030-2040: Strategi Indonesia terkait Ketenagakerjaan dan Pendidikan.†Kemen¬terian Perenca¬naan Pembangunan Nasional, 2017, 1–2.

Dijk, T. A. van. “Discourse, Context and Cognition.†Discourse Studies 8, no. 1 (February 2006): 159–77. https://doi.org/ 10.1177/1461445606059565.

Hanafi, Muchlis M. “Buta Aksara Keagamaan: Tantangan Besar Moderasi Islam.†Republika. February 2019.

Siregar, Mulya E. “Peran Strategis OJK dalam Mengembangkan Literasi Keuanganyang Inovatif.†Jakarta, 2016.

Suparlan, Parsudi. “Menuju Masyarakat Indonesia yang Multi¬kul-tural.†Antropologi Indonesia 0, no. 69 (July 2014): 16–19. https://doi.org/10.7454/ai.v0i69.3448.

Downloads

Published

2022-12-27

How to Cite

SHARIA FINANCIAL LITERATURE IN PROMOTING RELIGIOUS MODERATION IN INDONESIA. (2022). Jurnal Lektur Keagamaan, 20(2), 413-444. https://doi.org/10.31291/jlka.v20i2.1091