Strategies for Shariah Financial Literacy among Teachers: A Mental Accounting Approach

R. Suryanti Ismail; Marissa Silooy; Yosmina T.Titaley

doi:10.32815/jpm.v7i1.2825

Authors

R. Suryanti Ismail Universitas Kristen Indonesia Maluku
Marissa Silooy Universitas Kristen Indonesia Maluku
Yosmina T.Titaley Universitas Kristen Indonesia Maluku

DOI:

https://doi.org/10.32815/jpm.v7i1.2825

Keywords:

Sharia Financial Literacy, Mental Accounting, Teachers

Abstract

Purpose: This research aims to optimize sharia financial literacy among Muslim teachers at the Al-Hilaal Foundation, Ambon City, using a mental accounting approach. The study addresses the lack of understanding of Islamic financial principles and rational financial management among educators, who serve as vital agents of change in society

Method: The study utilized a "pre-test and post-test one-group design". Data were collected from 20 teachers through questionnaires measuring sharia literacy and mental accounting concepts. Interventions included interactive lectures, discussions, and the distribution of training modules.

Practical Applications: The findings demonstrate that integrating financial psychology with sharia values effectively improves financial behavior. This approach can be replicated in other educational institutions to enhance educators' economic well-being and prudent financial decision-making.

Conclusion: The intervention significantly increased participants' understanding of sharia financial management and behavior. The integration of mental accounting and maqāṣid al-sharī'ah provides a robust framework for developing sustainable financial mindsets that bridge rational and spiritual dimensions.

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