Peran literasi keuangan dalam meningkatkan kualitas pembiayaan murabahah di Indonesia

Authors

  • Alya Nabilatul Afifah Program Studi Akuntansi, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Financial literacy, murabahah financing, financing quality, sharia cooperative, financial education

Abstract

Financial literacy is a crucial factor in maintaining the quality of Murabahah financing in Sharia cooperatives. Members who understand Islamic financial principles and personal financial management tend to be more disciplined in cash flow management, understand contract risks, and comply with installment payment schedules. This results in lower Non-Performing Financing (NPF) and increased portfolio stability. This article discusses the conceptual framework linking financial literacy, Sharia understanding, and financing quality, and reviews financial education strategies that cooperatives can implement to raise awareness and competence among members. The implication is the need for continuous literacy programs integrated with Sharia financing policies.

              

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Published

2026-02-23

How to Cite

Afifah, A. N. (2026). Peran literasi keuangan dalam meningkatkan kualitas pembiayaan murabahah di Indonesia. Maliki Interdisciplinary Journal, 4(3), 641–648. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/25054

Issue

Vol. 4 No. 3 (2026): MARCH

Section

Articles

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