Financial Literacy as a Catalyst for the Formation of Islamic Economic Morals in Students: A Case Study at SB SIKL Cheras, Malaysia
DOI:
https://doi.org/10.31943/afkarjournal.v9i2.3385Keywords:
Financial Literacy, Islamic Economic Ethics, Informal Education, SB SIKL MalaysiaAbstract
This study was motivated by the importance of early financial literacy in shaping economic character in accordance with Islamic values, especially for migrant children in informal educational settings where character development is often neglected. The purpose of this study was to examine the role of financial literacy as a catalyst in shaping the Islamic economic character of students at SB SIKL Cheras Malaysia. The method used was a qualitative case study approach with data collection techniques through observation, in-depth interviews, and documentation, which were then analyzed using the Miles and Huberman interactive model. The results showed that the application of financial literacy through the practical “Celengan Impian” (Dream Piggy Bank) program was effective in improving students' understanding of distinguishing between needs and wants and the principles of Islamic money management. In conclusion, financial literacy has proven to be a catalyst that successfully internalizes the values of honesty, responsibility, discipline, and qona'ah (modesty) in students' daily economic behavior. This program provides a strong foundation of economic ethics for students in informal educational environments.
Downloads
References
Adhatia, R. (2025). PENERAPAN LITERASI KEUANGAN SYARIAH PADA TADIKA AL FIKH ORCHARD SELANGOR MALAYSIA. Jurnal Pendidikan Indonesia, 6(4), 1696.
Andini, P., Kusherawati, A., Susilo, A., Akuntansi, P., Keguruan, F., & Pendidikan, I. (2023). PENGEMBANGAN VIDEO EDUKASI PENGENALAN MATA UANG INDONESIA GUNA MENINGKATKAN LITERASI KEUANGAN PADA SISWA SANGGAR BIMBINGAN AT-TANZIL KG LINDUNGAN MALAYSIA.
Arifin, Z., & Humaedah, H. (2021). Application of Theory Operant Conditioning BF Skinner’s in PAI Learning. Journal of Contemporary Islamic Education, 1(2), 101–110. https://doi.org/10.25217/cie.v1i2.1602.
Aurora, K. H., Amalia, A., Kunci Abstrak, K., Keuangan, L., Syariah, P., & Kanak-Kanak, T. (n.d.). PERAN PERBANKAN SYARIAH DALAM MENINGKATKAN LITERASI KEUANGAN DI TAMAN KANAK KANAK MALAYSIA.
Ayuningtias, N. (n.d.). PENGARUH LITERASI KEUANGAN SYARIAH DAN PRODUCT KNOWLEDGE TERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI.
Azzzahra, A. R. (n.d.). ANALISIS TANGGUNG JAWAB GURU DALAM MELAKSANAKAN TUGAS PROFESIONAL DI SDN 18 KAMPUNG DURIAN KOTA PADANG ANALYSIS OF TEACHER RESPONSIBILITIES IN CARRYING OUT PROFESSIONAL TASKS AT SDN 18 KAMPUNG DURIAN PADANG CITY. https://jicnusantara.com/index.php/jiic.
Elis Mediawati, Mimin Widaningsih, Bambang Triyono, & Kholis Frendika. (2025) LITERASI PERENCANAAN KEUANGAN SYARIAH PADA ANAK-ANAK PEKERJA MIGRAN INDONESIA DI MALAYSIA. Jurnal Abdi Insani, 12(4). https://doi.org/10.29303/abdiinsani.v12i4.1596.
Falah, A. L., Kabupaten Bogor, G., Mutaqin, Z., Maya, R., Maulida, A., Pendidikan, M. P., Islam, A., Al-Hidayah Bogor, S., Tetap, D., & Pendidikan, P. (2021). IMPLEMENTASI PENDIDIKAN AKHLAK DALAM PEMBENTUKAN KARAKTER ISLAMI SISWA KELAS VIII DI MADRASAH TSANAWIYAH.
Hariandi, A., Puspita, V., Apriliani, A., Ernawati, P., & Nuhasanah, S. (2020). IMPLEMENTASI NILAI KEJUJURAN AKADEMIK PESERTA DIDK DI LINGKUNGAN SEKOLAH DASAR. In Nur El-Islam (Vol. 7, Issue 1).
John W, C. (2009). Qualitative, quantitative, and mixed methods approaches/John W. Creswell. 3rd ed. p. cm. In Qualitative, quantitative, and mixed methods approaches/John W. Creswell.—3rd ed. p. cm. Includes.
Landang, R. D., Widnyana, I. W., & I Wayan Sukadana. (2021). Jurnal EMAS. 2, 51–70.
Marotain, P., & Jufri, A. (2025). Pengaruh Literasi Keuangan Syariah dan Religiusitas Terhadap Perilaku Konsumtif Mahasiswa FEB Universitas Mataram. Jurnal Ekonomi Syariah Pelita Bangsa, 10(02). https://doi.org/10.37366/jespb.v10i02.2870.
Meylia, A. D., Iswanti, N. M., Maimunah, S., & Bangsa, U. B. (2025). Edukasi Gemar Menabung Sejak Dini Melalui Kegiatan Mewarnai Celengan di SD Negeri 1 Gelam. 1(5), 3293–3301.
Mumtaz, J., Satiawan, Z., & Sidik, M. (2021). Metode pendidikan akhlak mahasiswa. 1(1), 53–64.
Nabila, A., Devi, A., & Indriya, I. (2021). Konseptualisasi Peran Strategis pada Pendidikan Literasi Keuangan Syariah Anak Melalui Pendekatan Systematic Review di TK RA Al-Mu’min Gunung Putri. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(1), 79–95. https://doi.org/10.47467/alkharaj.v4i1.481.
Napitupulu, J. H., Ellyawati, N., & Astuti, R. F. (2021). PENGELOLAAN KEUANGAN MAHASISWA KOTA SAMARINDA. 9(3).
Rachmawan Adiprana, G., & Widodo, H. (2020). Peran Guru Ismuba dalam Membentuk Akhlak Islami Pelajar SMP Muhammadiyah 2 Depok Sleman Yogyakarta. Muaddib : Islamic Education Journal, 3(1), 2020.
Satiawan, Z., & Sidik, M. (2021). SEKOLAH TINGGI ILMU TARBIYAH (STIT) MUMTAZ KARIMUN METODE PENDIDIKAN AKHLAK MAHASISWA. In Jurnal Mumtaz Januari (Vol. 1, Issue 1).
Sugiyono. (2013). METODE PENELITIAN KUANTITATIF.
Tedy, & Yusuf, S. (2020). Eco-Iqtishodi.
Yani, N. F. F., Gunadi, G., & Alhifni, A. (2024). Edukasi Literasi Finansial Syariah Pada Siswa. ALMUJTAMAE: Jurnal Pengabdian Masyarakat, 4(3), 270–276. https://doi.org/10.30997/almujtamae.v4i3.15739.
Yumna, L., Shofiyah, S., & Nurjanah, H. (2023). LITERASI EKONOMI DAN KEUANGAN ISLAM DI LEMBAGA PENDIDIKAN ISLAM MELALUI EDUKASI BISNIS (Studi Kasus di SDIT Tasmira Depok, Jawa Barat). Proceeding International Seminar on Islamic Studies, 4.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Dita Ayu Anggita Sari, Sholikah Sholikah
This work is licensed under a Creative Commons Attribution 4.0 International License.
