A Critical Review of the Indonesian Council of Ulama (MUI) Fatwa Towards Increasing Sharia Financial Literacy (Systematic Literature Review)

Fadly Yashari Soumena

Abstract


This research aims to conduct a critical review of the improvement of Islamic financial literacy based on the Fatwa of the Indonesian Ulama Council (MUI). The main issues reviewed are the controversies surrounding Islamic economics and the importance of financial literacy in the context of sharia. The research method used is Systematic Literature Review (SLR) using the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) framework to guide the research process. The results of this study indicate that Islamic financial literacy has a very important role in understanding and managing finances wisely in the context of sharia. The data synthesis result of this study shows that the Indonesian Ulama Council (MUI) Fatwa contributes indirectly to the improvement of Islamic financial literacy in Indonesia. MUI Fatwa is used as one of the main indicators in explaining Islamic financial literacy through financial institutions.


Keywords


MUI Fatwa; Literacy; Sharia Finance; Systematic Review

Full Text:

PDF

References


Adam, P. (2022). Fatwa-Fatwa Ekonomi Syariah: Konsep, Metodologi & Implementasinya pada Lembaga Keuangan Syariah. PT Bumi Aksara.

Afrelian, M. I., & Furqon, I. K. (2019). Legalitas dan Otoritas Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia dalam Operasional Lembaga Keuangan Syariah. Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan, 6(1), 1. https://doi.org/10.29300/mzn.v6i1.2195

Alam, A., Cahyaningrum, L. I., Rama, N. R., & Hamidah, R. A. (2022). Penyuluhan Webinar Kajian Fatwa MUI Tentang Akad Murabahah di Komunitas Pegiat Ekonomi Syariah di Surakarta. Jurnal Pengabdian UntukMu NegeRI, 6(2), 86–93. https://doi.org/10.37859/jpumri.v6i2.3679

Alsayigh, N. A. J., & Al-Hayali, Z. M. A. (2022). Islamic Financial Literacy, Concepts, and Indicators. Asian Journal of Economics, Business and Accounting, 6–19. https://doi.org/10.9734/ajeba/2022/v22i2130683

Andiko, T. (2018). Signifikansi Implementasi Konsep Ekonomi Islam dalam Transaksi Bisnis di Era Modern. Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan, 4(1). https://doi.org/10.29300/mzn.v4i1.1004

Awaluddin, A., & Febrian, A. (2020). Kedudukan Fatwa DSN-MUI dalam Transaksi Keuangan pada Lembaga Keuangan Syariah di Indonesia. Al Hurriyah : Jurnal Hukum Islam, 5(2), 196. https://doi.org/10.30983/alhurriyah.v5i2.3366

Deephouse, D. L., Bundy, J., Tost, L. P., & Suchman, M. C. (2017). Organizational Legitimacy: Six Key Questions. The SAGE Handbook of Organizational Institutionalism, 27–52. https://doi.org/10.4135/9781446280669.n2

Dowling, J., & Pfeffer, J. (1975). Organizational legitimacy: Social values and organizational behavior. Sociological Perspectives, 18(1), 122–136. https://doi.org/10.2307/1388226

Fadli, M. R. (2021). Memahami desain metode penelitian kualitatif. Humanika, 21(1), 33–54. https://doi.org/10.21831/hum.v21i1.38075

Faizin, N., Basid, A., & Rofiq, M. (2021). Pembelajaran Ekonomi Syariah Melalui Klasifikasi Kaidah-Kaidah Fikih dalam Fatwa DSN-MUI. MIYAH: Jurnal Studi Islam, 17(1), 65-78. https://ejournal.unkafa.ac.id/index.php/miyah/article/view/321

Haase, M. (2020). Legitimacy-Related Research in Organization Studies, Stakeholder Theory, and Marketing Studies. Handbook of Business Legitimacy, 571–604. https://doi.org/10.1007/978-3-030-14622-1_45

Harrieti, N., & Suwandono, A. (2024). Peningkatan Pemahaman Akad-akad Perbankan Syariah dalam Mewujudkan Literasi Keuangan Syariah. Proficio, 5(1), 198–205. https://doi.org/10.36728/jpf.v5i1.2946

Kamus Besar Bahasa Indonesia. (2016). Adaptasi. Diakses dari https://kbbi.kemdikbud.go.id/Entri/Adaptasi

Ardiansyah, A., Risnita, R., & Jailani, M. S. (2023). Teknik Pengumpulan Data Dan Instrumen Penelitian Ilmiah Pendidikan Pada Pendekatan Kualitatif dan Kuantitatif. IHSAN : Jurnal Pendidikan Islam, 1(2), 1–9. https://doi.org/10.61104/ihsan.v1i2.57

Joko, M. M., Mubarak, J., & Susanto, H. (2022). Persepsi Mahasiswa Ekonomi Syariah Terkait Ta’dzir pada Bank Syari’ah: . Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(6), 2626–2649. https://doi.org/10.47467/alkharaj.v5i6.2472

Kitchenham, B., Madeyski, L., & Brereton, P. (2020). Meta-analysis for families of experiments in software engineering: a systematic review and reproducibility and validity assessment. Empirical Software Engineering, 25(1), 353–401. https://doi.org/10.1007/s10664-019-09747-0

Komarudin, P., & Hidayatullah, M. S. (2021). Alur Legislasi dan Transformasi Hukum Perbankan Syariah di Indonesia. Mizan: Journal of Islamic Law, 5(1), 133. https://doi.org/10.32507/mizan.v5i1.868

Lame, G. (2019). Systematic Literature Reviews: An Introduction. Proceedings of the Design Society: International Conference on Engineering Design, 1(1), 1633–1642. https://doi.org/10.1017/dsi.2019.169

Nafis, C. (2019). [Wawancara pribadi].

Nanda, T. S. F., Ayumiati, A., & Wahyu, R. (2019). Tingkat Literasi Keuangan Syariah: Studi Pada Masyarakat Kota Banda Aceh. JIHBIZ :Global Journal of Islamic Banking and Finance., 1(2), 141. https://doi.org/10.22373/jihbiz.v1i2.8573

Nasir, M., Safaruddin, S., Rauzana, R., & Prihatin, N. (2022). Pengaruh Literasi Keuangan, Tata Kelola, dan Kepatuhan Syariah Dalam Preferensi Memilih Produk Bank Syariah. Ekombis Sains: Jurnal Ekonomi, Keuangan Dan Bisnis, 7(1), 39–50. https://doi.org/10.24967/ekombis.v7i1.1335

Nor Firman, R., & Alwi, M. (2020). Laju Percepatan Perkembangan Perbankan Syariah Melalui Penerapan Tata Kelola Syariah. Tasharruf : Journal of Islamic Economics and Business, 1(1), 52–66. https://doi.org/10.55757/tasharruf.v1i1.67

Otoritas Jasa Keuangan (OJK) Indonesia. (2022). Siaran Pers Survei Nasional Literasi dan Inklusi Keuangan Tahun 2022. https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx

Purnama, H. M., & Yuliafitri, I. (2019). Efektivitas Gerakan Literasi Keuangan Syariah dalam Mengedukasi Masyarakat Memahami Produk Keuangan Syariah. Banque Syar’i : Jurnal Llmiah Perbankan Syariah, 5(1), 10. https://doi.org/10.32678/bs.v5i1.1937

Ruwaidah, S. H. (2020). Pengaruh Literasi Keuangan Syariah dan Shariah Governance Terhadap Keputusan Mahasiswa dalam Menggunakan Jasa Perbankan Syariah. Muhasabatuna : Jurnal Akuntansi Syariah, 2(1), 79. https://doi.org/10.54471/muhasabatuna.v2i1.706

Septiani, E., Mulyadi, M., & Serip, S. (2021). Analisis Kepercayaan Generasi Milenial Terhadap Lembaga Keuangan Syariah. Distribusi - Journal of Management and Business, 9(2), 147–160. https://doi.org/10.29303/distribusi.v9i2.163

Utama, A. S. (2020). Perkembangan Perbankan Syariah di Indonesia. UNES Law Review, 2(3), 290–298. https://doi.org/10.31933/unesrev.v2i3.121

Soumena, F. Y. (2019). Bahasa Indonesia pada akad-akad perbankan syariah (pendekatan hermeneutika ekonomi dan analisis wacana kritis) / Indonesian language on sharia banking contract (economic hermeneutics approach and critical discourse analysis). Thesis. Universitas Indonesia.

Tamam, A. B. (2021). Kedudukan Fatwa Majelis Ulama Indonesia (Mui) Dan Fatwa Dewan Syariah Nasional (Dsn) Dalam Sistem Hukum Indonesia. Al-Musthofa: Journal Of Sharia Economics, 4(2), 172–181. http://ejournal.iai-tabah.ac.id/index.php/musthofa/article/view/739

Tang, Y. (2017). A Summary of Studies on Organizational Legitimacy. Open Journal of Business and Management, 5(3), 487–500. https://doi.org/10.4236/ojbm.2017.53042

Ulum, F. (2018). Progresifitas Regulasi Keuangan Syariah di Indonesia. Al-Daulah: Jurnal Hukum dan Perundangan Islam, 7(2), 419–443. https://doi.org/10.15642/ad.2017.7.2.419-443

Xiao, Y., & Watson, M. (2019). Guidance on Conducting a Systematic Literature Review. Journal of Planning Education and Research, 39(1), 93–112. https://doi.org/10.1177/0739456X17723971




DOI: https://doi.org/10.18196/jerss.v8i1.21498

Refbacks

  • There are currently no refbacks.



Office:
Redaksi Journal of Economics Research and Social Sciences, Gedung E2 Lantai 2, Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Yogyakarta
Jalan Brawijaya, Tamantirto, Kasihan, Bantul, Daerah Istimewa Yogyakarta 55183

Email: jerss@umy.ac.id

Telp: +62 812-3233-6697

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.