Literasi Masyarakat sebagai Tantangan Implementasi Ekonomi Syariah di Indonesia
Keywords:
Sharia Economics, Financial Literacy, Financial Inclusion, National StrategyAbstract
The Islamic economy of Indonesia has expanded considerably over the past decades; the 2023 Global Islamic Economy Indicator (GIEI) placed it in third position, up from fourth in 2022. Despite being the home of the largest Muslim population globally, Indonesia remains short of achieving its maximum potential as a center for Islamic economic development across the world. Low Islamic economic literacy among people is one of the biggest challenges. Islamic financial literacy is 43.42%, which is significantly lower compared to conventional financial literacy, at 66.45%, on the basis of OJK's 2025 National Financial Literacy and Inclusion Survey (SNLIK) numbers.The problem is further exacerbated by the common people's poor comprehension of basic Islamic economic principles, i.e., prohibition of usury and profit-sharing system, making it hard to distinguish between Islamic and conventional financial products. Developing this literacy is also hampered by the absence of Islamic financial material in formal education curriculum and scarce availability of Islamic economic data. Based on a 2023 Bank Indonesia survey, the Islamic economic literacy index stood only at 28.01%. The National Strategy of Islamic Economic and Financial Literacy and Inclusion (SNLIEKS) aims to boost the score up to 50% by 2025.Therefore, for the public to be able to make the maximum use of Islamic financial services, there is a need for many stakeholders to work together to enhance Islamic economic literacy.