Signifikansi Penerapan Literasi Ekonomi Islam di Perguruan Tinggi: Kajian Teoritis

Abstract

Literacy at higher education institutions in Indonesia is at a low level where BPS 2018 data states that of the total Indonesian population aged 15 years and over who participated in higher education at 18.59% of the pure enrollment rate at the level of education in Indonesia. That means that Indonesians who continue their education to higher level are lower than those who go straight to work after graduating from high school. The low level of literacy in general is in line with the low economic literacy and Islamic economics, especially at Islamic higher education institutions. This is proven by the low knowledge of students about financial literacy that has an impact on individual financial management. Based on the background of the problem, the significance of Islamic economic literacy at universities in Indonesia needs to be studied and researched both terrorically and practically. Therefore, the purpose of this study is to describe the significance of literacy in higher education institutions in Indonesia. The method used in this research is descriptive qualitative with a literature approach which used to study theories related to literacy, so that it can emerge as to the significance of Islamic economic literacy in universities. The results of this study found that economic literacy is absolute necessities so students can compete globally and even become world-class inventors. But economic literacy alone is not enough, there needs to be values that keep economic activity on track in accordance with religious

Peluang, Tantangan Dan Strategi Pengembangan Literasi Dan Sumber Daya Manusia Ekonomi Syariah Di Indonesia

“…Berdasarkan data statistik, jika literasi diukur hanya pada angka melek huruf, maka Indonesia khususnya mahasiswa di perguruan tinggi sudah dapat dikatakan sebagai masyarakat yang literate, dimana angka melek huruf di Indonesia mencapai 96,04% 2 , angka yang secara statistik menunjukkan masyarakat Indonesia sangat terliterasi secara signifikan. Tingkat literasi yang rendah pada perguruan tinggi ini pada gilirannya akan berdampak pada daya tahan, daya saing, dan daya kreatif mahasiswa di Indonesia (Nugraha, Sunjoto, & Susilo, 2019). Masalah utama literasi di Perguruan Tinggi adalah kurangnya motivasi, malas, lelah dan jenuh, referensi yang kurang memadai.…”

Peran Perguruan Tinggi Pesantren dalam Implementasi Literasi Ekonomi

“…Beberapa riset membuktikan bahwa literasi ekonomi dapat mengurangi perilaku konsumsi mahasiswa yang belebihan. Seperti yang diungkapkan Budiwati dalam Nugraha (2019), rendahnya literasi ekonomi berdampak terhadap perilaku konsumsi konsumen (Nugraha et al, 2019). Pernyataan tersebut sejalan dengan pendapat Gary H. Stern, Presiden Federal Reserve Bank of Minneapolis menjelaskan bahwa literasi ekonomi sangat penting untuk menunjukkan ukuran apakah orang memahami kekuatan yang secara signifikan mempengaruhi kualitas hidup mereka (Stern, 2002).…”

The Relationship between Islamic Business Ethics and Customer Retention: Evidence from Sharia Bank in Ponorogo

“…Sadly, with many educational institutions from low to high level as well as Muslim majority in Ponorogo the customer of sharia banking is still lacking. The problem occurred due to the awareness of the society (Nugraha et al, 2019(Nugraha et al, , 2021, the level of customer trust (Hoang, 2019, p. 729), strong competitor of conventional Banks and so on (Sofilda et al, 2022, p. 46;Suandi et al, 2022, p. 61).…”