ISLAMIC ECONOMIC LITERACY AS AN INSTRUMENT FOR STRENGTHENING FINANCIAL TOLERANCE AND INCLUSIVITY
DOI:
https://doi.org/10.29082/em9vnb93Keywords:
Literacy, Islamic Economics, Financial InclusivityAbstract
Islamic economic literacy plays a crucial role in shaping religious moderation and enhancing tolerance in multicultural educational environments. This study aims to analyze the role of Islamic economic literacy in internalizing the values of religious moderation and tolerance in multicultural schools in Indonesia, as well as exploring how an understanding of Islamic economic principles can address psychological-religious barriers that hinder financial inclusivity. Additionally, the study formulates a model for integrating Islamic economics content into school curricula to strengthen social cohesion and ethical financial intelligence. Using a Systematic Literature Review approach, this research finds that Islamic economic literacy not only includes technical understanding of financial products but also ethical values such as social justice, public welfare, and the prohibition of exploitation. The integration of this material into the curricula of multicultural schools can strengthen social cohesion among students from different religious and cultural backgrounds. Thus, Islamic economic literacy becomes a strategic tool in reducing psychological-religious barriers to financial inclusivity, while shaping students' character to be tolerant, moderate, and open to diversity. The study also highlights the importance of teaching Islamic economics from secondary education to build a foundation of ethical and inclusive financial intelligence. Collaboration between the government, educational institutions, and Islamic financial institutions is needed to develop relevant content, so that Islamic economic literacy can become an effective instrument in creating an inclusive, fair, and tolerant society.
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Copyright (c) 2025 Suparno Suparno, Indah Wahyuni3, Aris Purwanto4 (Author)
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