PERAN LEMBAGA KEUANGAN SYARIAH DALAM MENINGKATKAN LITERASI KEUANGAN SYARIAH DALAM MELINDUNGI MASYARAKAT DARI PINJAMAN ONLINE ILLEGAL
DOI:
https://doi.org/10.29040/jiei.v11i03.17160Keywords:
Islamic financial literacy, Islamic financial literacy, Islamic financial institutions, Islamic financial institutions, online loans, online loansAbstract
This research aims to investigate and analyze the role of Islamic financial institutions in enhancing community financial literacy; identify the strategies of Islamic financial institutions in protecting the community from illegal online loans, and evaluate the challenges faced by Islamic financial institutions in increasing financial literacy and protecting the community from illegal online loans. This research method uses a descriptive qualitative approach. The data sources used are secondary data such as references, journals, books, or documentation data related to the research. Data collection techniques include literature study. The data analysis technique used is qualitative analysis with a literature study conducted through several stages, including formulating research questions, searching for literature sources, and evaluating literature sources. The research results show that Islamic Financial Institutions (LKS), especially BMT and Islamic cooperatives, play an important role in increasing Islamic financial literacy through product education, providing products according to needs, community economic empowerment, financial inclusion, and collaboration. LKS needs to implement proactive strategies to protect the community from illegal online loans, including education, providing alternative Islamic financing, collaborating with OJK, increasing Islamic financial literacy, and community economic empowerment. LKS faces challenges in increasing financial literacy and protecting the community from illegal online loans, such as lack of public understanding, limited access to information, and competition with conventional financial institutions. To overcome these challenges, LKS needs to increase education, expand service reach, improve HR quality, strengthen collaboration, develop innovative products, and utilize digital technology. With comprehensive efforts, LKS can increase community financial literacy and protect them from the dangers of illegal online loans. This research shows that financial education, both formal and informal, is effective in increasing financial literacy.
References
Adzkiya, H., dkk., (2022). Peningkatan Literasi Keuangan Melalui Sosialisasi Peran Otoritas Jasa Keuangan Dalam Upaya Perlindungan Masyarakat Terhadap Lembaga Keuangan Ilegal di Desa Suro. Proseeding Kampelmas, Vol. 1(2), 573-583
Antonio, M. S. (2019). Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani.
Ardella, Y.R., Suprihati., Kusuma, I.L. 2025. Analisis Laporan Keuangan Untuk Mengukur Kinerja Keuangan Perusahaan pada PT Eastparc Hotel Tbk. Journal of Management Accounting, Tax and Production, 3(1): 136-143
Arqani, A., Wira, A., & Novia, A. (2024). Pemahaman Masyarakat Siulak Mukai Terhadap Perbedaan Pinjaman Online Syariah Dan Pinjaman Online Konvensional. An Nisbah Jurnal Perbankan Syariah, Vol. 5(1).
Awal, M. N., Jermias, E. O., & Rahman, A. (2023). Literasi Keuangan Pada Masyarakat Desa Bola Bulu Kecamatan Pitu Riase Kabupaten Sidenreng Rappang Sulawesi Selatan, Jurnal Berbakti, Vol.1 No.1
Dewayani, Tantri, (2021), Menyikapi Pinjaman Online, Anugerah atau Musibah, Artikel DJKN Kanwil Direktorat Jenderal Kekayaan Negara Jawa Baratdalam https://www.djkn.kemenkeu.go.id/kanwil-jabar/baca-artikel/14040/Menyikapi-Pinjaman-Online-Anugerah-atau-Musibah.html).
Dusuki, A.W.,& Dar, H. (2005). Stakeholders’ perceptions of Corporate Social Responsibility of Islamic Banks: Evidence From Malaysian Economy. International Conference on Islamic Economics and Finance
Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia Nomor: 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah
Fitra, Arinda Elsa, 2021, Dilema Pinjaman Online di Indonesia: Tinjauan Sosiologi Hukum dan Hukum Syariah, DIKTUM: Jurnal Syariah dan Hukum Volume 19 Nomor 2
Flick, U. (2006). An Introduction to Qualitative Research. London: SAGE Publications.
Idris. M., (2021), "Fintech Adalah : Pengertian, Jenis, dan Aturan Hukumnya",Kompas Online
Jalaluddin, J. (2014). Konsep Uang Menurut Al- Ghazali, Asy-Syari'ah Vol.16 (2), 169-178
Khikmatin, Alvi dan Putri Setianingsihp, (2021), Analisis Peluang Dan Tantangan Lembaga Keuangan Syariah Dalam Upaya Meningkatkan Daya Saing Terhadap Lembaga Keuangan Konvensional Di Indonesia, Jurnal Ekonomi Syariah Al Iqtishad, Volume 3, Nomor 1, Juni 2021, Institut Agama Islam Sunan Kalijogo Malang
Khosia’ah siah, , (2014), Fiqh Muamalah Perbandingan, (Bandung:Pustaka Setia)
Kristanto, VH., (2018), Metodologi Penelitian Pedoman Penulisan Karya Tulis Ilmiah, Yogyakarta : Deepublish
Kusumaningtuti S.Soetiono dan Cecep Setiawan, (2018), Literasi Dan Iklusi Keuangan Indonesia, Cet -1, Depok: PT.Rajagrafindo Persada
Mensari Rizki Dian dan Ahmad Dzikra, Islam dan Lembaga Keuangan Syariah”, AL-INTAJ Vol. 3, No. 1, Maret 2017 Fakultas Ekoomi dan Bisnis Islam P-ISSN : 2476-8774/E-ISS : 2621-668X
Mubarok, AL, (2019) Praktik Pinjam Meminjam Uang Dalam Perspektif Hukum Islam, Jurnal Hukum Islam, 2.
Ningsih, L.S, et al. 2024. Membangun Kesadaran Masyarakat Agar Terliterasi Baik dalam Bidang Akuntansi dan Keuangan Prosiding Seminar Nasional & Call for Paper STIE AAS, 7(1): 191-196
Otoritas Jasa Keuangan RI, 2025
Pardanawati, S.L., et al. 2024. Pelatihan Penerapan Akuntansi Rumah Tangga Di Desa Bugel, Polokarto, Sukoharjo. Budimas: Jurnal Pengabdian Masyarakat. 6(3)
Pardosi, Rodes, ODG., dkk, 2020, Jurnal Perlindungan Hak Pengguna Layanan Pinjaman Online Dalam Perspektif Hak Asasi Manusia (Protection of the Rights of Online Loan Customers from a Human Rights Perspective)Badan Penelitian dan Pengembangan Hukum dan HAM, Jakarta 2020
PBI No. 11/12/PBI/2009 jo. PBI No. 16/8/PBI/2014 jo. PBI No. 18/17/PBI/2016 tentang Uang Elektronik.
PBI No. 18/40/PBI/2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran.
Peraturan Bank Indonesia Nomor 19/12/PBI/2017 tentang Penyelenggaraan Teknologi Finansial.
Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi.
Quiserto,R, (2021), Pengertian Pinjaman Online: Apa Itu, Manfaat, Jenis, Bunga, Penagihan klik untuk baca https://duwitmu.com/pinjaman-online/pengertian-pinjaman-online-apa-itu-manfaat-jenis-bunga-penagihan/
Remund, D.L “Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy,” The Journal of Consumer Affairs 44 (2010): 2.
Rukmini, et, al. 2024. Pelatihan Akuntansi Bagi UMKM dalam Penyelenggaraan Pembukuan Sederhana Di Desa Kemasan Sawit Boyolali. Budimas: Jurnal Pengabdian Masyarakat. 6(2)
Rustanto, A. E., (2017). “Pengaruh Kecerdasan Intrapersonal Terhadap Minat. Wirausaha Mahasiswa Politeknik LP3I Jakarta
Safitri, K., (2021), Kenali Pinjaman Online Ilegal dan cara menghindarinya, Klik untuk baca:Kompas.comhttps://money.kompas.com/read/2021/06/14/162321426/kenali-pinjaman-online-ilegal-dan-cara-menghindarinya?page=all.
Sari Puspita, S., Mahri, A. J. W., & Utami, S. A. (2020). Indeks Inklusi Keuangan Syariah Di Indonesia Tahun 2015-2018. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 4(1), 15–31. https://doi.org/10.29313/amwaluna.v4i1.5094
Sari, M. P., Baining, M. E., & Saijun. (2024). Peran OJK (Otoritas Jasa Keuangan) Dalam Meningkatkan Literasi Keuangan Pada Masyarakat. Jurnal Ilmiah Ekonomi Dan Manajemen, 2(3), 55-70. https://doi.org/10.61722/jiem.v2i3.1075
Silalahi, P. R., Syahputri, R. R., Prayoga, R., & Meianti, A. (2022). Pentingnya Literasi Keuangan Bagi Masyarakat Agar Tidak Tertipu Investasi Bodong: Studi Kasus Binomo. El-Mujtama: Jurnal Pengabdian Masyarakat, 2(3), 346–355. https://doi.org/10.47467/elmujtama.v2i3.1901
Sugiyono. (2022). Metode penelitian kualitatif deskriptif. Bandung: Alfabeta.
Susilawati, H., Prastiwi, I.E., Tho'in, M. 2025. Pengaruh Akad Syariah, Tingkat Margin dan Nilai Jaminan terhadap Keputusan Pengambilan Pembiayaan di Bank Syariah (Studi Pengusaha Bisnis Property yang Tergabung REI Komisariat Solo Raya). Jurnal Ilmiah Ekonomi Islam. 11(1)
Downloads
Published
Versions
- 23-06-2025 (2)
- 23-06-2025 (1)
How to Cite
Issue
Section
Citation Check
License
The copyright of the article fully belongs to the Jurnal Ilmiah Ekonomi Islam and publishing rights belong entirely to LPPM STIE AAS Surakarta
This work is licensed under a Creative Commons Attribution 4.0 International License.
