Optimalisasi Kesejahteraan Keluarga Melalui Literasi Keuangan Islami Pada Komunitas Warga Persyarikatan Muhammadiyah
DOI:
https://doi.org/10.53398/tqrtjx56Keywords:
Islamic Financial Literacy, Family Welfare, Islamic Financial ManagementAbstract
This Community Service Program (PkM) aimed to improve family welfare by strengthening Islamic financial literacy among the communities of the Muhammadiyah Branch Leadership (PRM) and ‘Aisyiyah Branch Leadership (PRA) in Kembaran. An initial survey of 30 members showed that 63% of respondents did not regularly record their family finances, 57% did not have an emergency fund, and 46% had or were using interest-bearing loans from non-Sharia financial institutions. In addition, the average Islamic financial literacy score was 52. The program employed an educational-participatory approach through lectures, interactive discussions, case studies, and mentoring. The materials covered tauhid-based asset management, Islamic family budgeting, debt management, avoidance of riba, and the use of Islamic financial instruments. Program evaluation used a 15-indicator instrument through comparative analysis of mean pre-test and post-test scores, while qualitative data were analyzed descriptively based on interviews, participant engagement, and feedback. The evaluation results showed an increase in the participants’ average knowledge score from 76 on the pre-test to 85 on the post-test, representing a 9-point improvement. Interview findings also indicated increased participant awareness of implementing financial management in accordance with Sharia principles, including budgeting, establishing emergency funds, avoiding riba-based transactions, and utilizing ZISWAF. The program demonstrates that Islamic financial literacy education and mentoring can improve participants’ understanding and support the strengthening of household economic resilience and family welfare
References
Agustin, H., Hamdi, L. M. J., & Hamdi, L. A. (2024). Manajemen keuangan syariah berdasarkan perspektif teori Hamdi. Syarikat: Jurnal Rumpun Ekonomi Syariah, 7(1), 97–110. https://doi.org/10.25299/syarikat.2024.vol7(1).16981
Amalina, N., Erikawati, C., Roffifudin, F. M., Arum, A. G. A. S., & Miyanti, S. N. (2024). Pemahaman literasi keuangan digital dalam mencegah pinjaman online ilegal pada pengurus Ranting ‘Aisyiyah Ngasem. Jurnal Pengabdian Masyarakat Nusantara, 4(1), 30–35. https://doi.org/10.35870/jpmn.v4i1.2813
Desky, H., & Savitri, A. (2025). Edukasi dan implementasi prinsip syariah dalam pengelolaan keuangan keluarga. Community Development Journal: Jurnal Pengabdian Masyarakat, 6(1), 896–901. https://doi.org/10.31004/cdj.v6i1.42158
Dwitri, A., & Pradikto, S. (2025). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Jurnal Kajian dan Penelitian Umum, 3(1), 99–106. https://doi.org/10.47861/jkpu-nalanda.v3i1.1505
Fatimah, F. (2018). Meningkatkan kemampuan anggota ‘Aisyiyah dalam pemberdayaan potensi ekonomi daerah untuk meningkatkan kemandirian diri dan kemajuan amal usaha Muhammadiyah di Balung, Jember. Jurnal Pengabdian Masyarakat IPTEKS, 4(1), 65–76.
Gautama, Siregar, B., Purba, K., Salman, M., & Lubis, A. (2024). Efek gaya hidup dan literasi keuangan dalam pengelolaan keuangan (Studi pada keluarga muda di Padangsidimpuan). Jurnal Penelitian Ekonomi Akuntansi (JENSI), 8(1), 70–80.
Hazmi, F. (2018). Nilai-nilai dasar Islam pada perencanaan keuangan keluarga. Isti‘dal: Jurnal Studi Hukum Islam, 5(1), 62–76. https://doi.org/10.34001/istidal.v5i1.986
Ikhwan, M., & Solihah, I. (2021). Ketahanan ekonomi keluarga dalam ekonomi Islam: Sebagai upaya mencari solusi alternatif. AT-TASYRI’: Jurnal Ilmiah Prodi Muamalah, 13(1), 49–59. https://doi.org/10.47498/tasyri.v13i1.498
Kartika, D., Indra, H., & Indupurnahayu. (2023). Manajemen keuangan keluarga menurut konsep Islam. Risalah: Jurnal Pendidikan dan Studi Islam, 9(2), 471–481. https://doi.org/10.31943/jurnal_risalah.v9i2.539
Khoirurrizal, & Luthfi, A. (2025). Maqāṣid al-syarī‘ah dan ketahanan keluarga berbasis komunitas: Peran Muhammadiyah dan NU di perkotaan Indonesia. JSHI: Jurnal Syariah Hukum Islam, 4(1), 39–52. https://doi.org/10.47902/jshi.v4i1.418
Latifah, E., & Abdullah, R. (2024). Prinsip-prinsip ekonomi Islam dalam manajemen keuangan syariah. JIDE: Journal of International Development Economics, 2(2), 98–116. https://doi.org/10.62668/jide.v2i02.1186
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
Sakinah, G. (2024). Harta dalam perspektif Al-Qur’an dan hadis: Antara nilai spiritual dan materialisme kontemporer. Equality: Journal of Islamic Law (EJIL), 2(2), 28–39. https://doi.org/10.15575/ejil.v2i2.977
Shofiana, K. (2024). Pengelolaan keuangan rumah tangga dalam ekonomi Islam. Journal of Sharia Economics, 5(2), 227–247. https://doi.org/10.22373/jose.v5i2.4865
Siregar, A. R. S., Lubis, N. H., Syafitri, N. A., & Zein, A. W. (2024). Landasan teologi ekonomi Islam: Peran tauhid dan keadilan dalam mewujudkan ekonomi yang adil dan sejahtera. Jurnal Pajak dan Analisis Ekonomi Syariah, 1(4), 37–47. https://doi.org/10.61132/jpaes.v1i4.697
Sulastri, Y. E., & Heriyanto. (2025). Analisis pengelolaan keuangan keluarga (Studi kasus: Pasangan keluarga muda Desa Ciliin). Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 10(2). https://doi.org/10.30651/jms.v10i2.26080
Tanti, T. (2019). Cara halal memiliki harta. TAQNIN: Jurnal Syariah dan Hukum, 1(2). https://doi.org/10.30821/taqnin.v1i2.6392
Thaha, S., & Afriyani, A. (2022). Pentingnya financial literacy dalam tata kelola keuangan pribadi (Suatu studi pustaka). Jurnal Edueco, 4(1), 57–73. https://doi.org/10.36277/edueco.v4i1.79
Wijayanti, R. A., Firmansyah, R. Z., Anwar, M. R., & Oktafia, R. (2024). Konsep kepemilikan harta dalam Islam. Jurnal Ekonomi Bisnis dan Manajemen, 2(2), 67–74. https://doi.org/10.59024/jise.v2i2.671
Winarti, W., & Supyan, I. (2022). Peranan literasi keuangan dalam mengatur perencanaan keuangan individu. Proceeding FRIMA (Festival Riset Ilmiah Manajemen dan Akuntansi), 4(1), 49–56. https://doi.org/10.55916/frima.v0i4.356
Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Nominal: Barometer Riset Akuntansi dan Manajemen, 6(1), 11–26. https://doi.org/10.21831/nominal.v6i1.14330
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Al-Umm: Jurnal Pengabdian dan Pengembangan Masyarakat
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.