Membangun Kesadaran Investasi Syariah pada Generasi “Z” dengan Penerapan Model Edukasi Pasar Modal
DOI:
https://doi.org/10.52250/p3m.v9i2.936Keywords:
Education, Investment, Islamic Capital Market, Islamic StocksAbstract
The low literacy level of the sharia capital market in Indonesian society emphasises the significance of early education initiatives. Previous research found that more than half of the Java students surveyed were not actively engaging in the stock market. Based on the actual occurrence, the goal of this community service program (PKM) is to educate SMK Baabul Kamil Jatinangor students about the Sharia capital market. The PKM programme will use 5 capital market education model materials for stages 1 and 2, namely: lifestyle education, financial planning education, education on the halal idea of sharia capital markets, basic capital market concepts, and a comparison between sharia and conventional capital markets. This PKM program was successful in boosting students' capital market literacy from an average score of 1.125 (very low) to 2.945 (low ). Because the PKM program only applies stage "1" and a portion of stage "2" in the capital market education model, the next PKM program can continue stages "2' and "3" as a whole in the capital market education model and add practical content to each educational material to significantly increase literacy. The PKM program must also engage other stakeholders, such as the Indonesia Stock Exchange (BEI) and the capital market investor community. This attempts to provide participants with views from multiple parties with varying expertise, experience, and viewpoints, allowing for additional references to be utilised in dealing with various circumstances that may arise during capital market investing activities.
Keywords: Education, Investment, Islamic Capital Market and Islamic Stocks.
Abstrak
Rendahnya literasi pasar modal syariah masyarakat Indonesia mendorong pentingnya program edukasi sejak dini. Hasil penelitian sebelumnya menujukan lebih dari 50% mahasiswa di pulau jawa yang dijadikan sample belum terlibat secara aktif di pasar modal. Berdasarkan fenomena yang ada, maka program PKM ini bertujuan memberikan edukasi pasar modal syariah kepada siswa SMK Baabul Kamil Jatinangor. Program PKM akan menggunakan 5 materi model edukasi pasar modal tahap 1 dan 2, yaitu lifestyle education, financial planning education, education on the halal concept of syariah capital market, Basic concept of capital market and the comparison between syariah and conventional capital market. Program PKM ini berhasil meningkatkan literasi pasar modal siswa yang sebelumnya memiliki rata-rata skor 1,125 (sangat buruk) menjadi 2,945 (rendah/mendekati cukup). Dikarenakan program PKM hanya menerapkan tahapan “1” dan Sebagian tahap “2” pada model edukasi pasar modal, untuk itu program PKM selanjutnya dapat meneruskan tahapan “2’ dan “3” secara menyeluruh pada model edukasi pasar modal, serta menambah muatan praktek pada setiap materi edukasi agar literasi meningkat secara signifikan, selain itu juga program PKM perlu melibatkan pihak terkait lainnya seperti Bursa Efek Indonesia (BEI) dan komunitas investor pasar modal. Hal ini bertujuan agar peserta menerima indiside dari berbagai pihak yang memiliki pengetahuan, pengalaman dan perspektif yang berbeda, sehingga lebih banyak referensi yang dapat digunakan dalam menghadapi berbegai situasi yang mungkin terjadi pada saat praktek investasi pasar modal.
Kata kunci: Edukasi, Investasi, Pasar Modal Syariah dan Saham Syariah.
Downloads
References
Abdalloh, I. (2018). Pasar Modal Syariah. Alex Media Komputindo.
Bernardo Renzi, A., & Agner, L. (2023). Prioritization Matrix to Highlight Business Opportunities. In A. Marcus, E. Rosenzweig, & M. M. Soares (Eds.), Design, User Experience, and Usability (pp. 38–50). Springer Nature Switzerland.
Besharat, A., Varki, S., & Craig, A. W. (2015). Keeping consumers in the red: Hedonic debt prioritization within multiple debt accounts. Journal of Consumer Psychology, 25(2), 311–316. https://doi.org/10.1016/j.jcps.2014.08.005
Boyd, C. M., & Díez-Amigo, S. (2023). Effectiveness of free financial education provided by for-profit financial institutions: Experimental evidence from rural Peru. Economics of Education Review, 97, 102462. https://doi.org/https://doi.org/10.1016/j.econedurev.2023.102462
Chusna, A., & Rizky Yuttama, F. (2024). Pengaruh Literasi Keuangan, Gaya Hidup Hedon dan Financial Experience Terhadap Pengelolaan Keuangan pada Mahasiswa di Kabupaten Banyumas. In MES Management Journal (Vol. 3).
Ghafoori, E., Ip, E., & Kabátek, J. (2021). The impacts of a large-scale financial education intervention on retirement saving behaviors and portfolio allocation: Evidence from pension fund data. Journal of Banking and Finance, 130. https://doi.org/10.1016/j.jbankfin.2021.106195
Hu, D., Zhai, C., & Zhao, S. (2023). Does digital finance promote household consumption upgrading? An analysis based on data from the China family panel studies. Economic Modelling, 125, 106377. https://doi.org/https://doi.org/10.1016/j.econmod.2023.106377
Kaiser, T., & Menkhoff, L. (2016). Does Financial Education Impact Financial Literacy and Financial Behavior, and if So, When? In Deutsches Institut für Wirtschaftsforschung.
Kaiser, T., & Menkhoff, L. (2020). Financial education in schools: A meta-analysis of experimental studies. Economics of Education Review, 78. https://doi.org/10.1016/j.econedurev.2019.101930
Li, J., Li, Q., & Wei, X. (2020). Financial literacy, household portfolio choice and investment return. Pacific Basin Finance Journal, 62, 101370. https://doi.org/10.1016/j.pacfin.2020.101370
Maksymov, A., & Tryus, Y. (2023). Combined Method of Solving Time Management Tasks and Its Implementation in the Decision Support System. In E. Faure, O. Danchenko, M. Bondarenko, Y. Tryus, C. Bazilo, & G. Zaspa (Eds.), Information Technology for Education, Science, and Technics (pp. 131–146). Springer Nature Switzerland.
Morgan, P. J., & Long, T. Q. (2020). Financial literacy, financial inclusion, and savings behavior in Laos. Journal of Asian Economics, 68. https://doi.org/10.1016/j.asieco.2020.101197
Oberrauch, L., & Kaiser, T. (2020). Economic competence in early secondary school: Evidence from a large-scale assessment in Germany. International Review of Economics Education, 35. https://doi.org/10.1016/j.iree.2019.100172
Parvin, S. M. R., Panakaje, N., Sheikh, N., P., M. T., Irfana, S., Kulal, A., V., M., Shahid, M., N.M., A. B., & Nihal, M. (2024). An empirical analysis of stock market participation: from an Islamic perspective. International Journal of Islamic and Middle Eastern Finance and Management, ahead-of-print(ahead-of-print). https://doi.org/10.1108/IMEFM-06-2024-0287
Rinaldo, D., & Puspita, V. A. (2021). Education and Socialization Investment Galleries to Improve Capital Market Inclusion. In W. A. Barnett & B. S. Sergi (Eds.), Environmental, Social, and Governance Perspectives on Economic Development in Asia (Vol. 29A, pp. 169–184). Emerald Publishing Limited. https://doi.org/10.1108/S1571-03862021000029A025
Rinaldo, D., & Puspita, V. A. (2023). Developing an education model to improve Indonesian capital market literation and inclusion. In Int. J. Public Law and Policy (Vol. 9, Issue 1).
Rinaldo, D., Vina Anggilia Puspita, & Binti Fatahul Ariffin, H. D. (2022). A lesson from COVID-19 pandemic: Developing a survival investment strategy to deal with crisis conditions. JEMA: Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 19(2), 134–162. https://doi.org/10.31106/jema.v19i2.18961
Sherraden, M. S., Johnson, L., Guo, B., & Elliott, W. (2011). Financial Capability in Children: Effects of Participation in a School-Based Financial Education and Savings Program. Journal of Family and Economic Issues, 32(3), 385–399. https://doi.org/10.1007/s10834-010-9220-5
Vi, I. T. J. F. A. D. R. S. A. I. A. D. S. N. S. V., Ii, I., & Bruary, F. E. (2019). Eisenhower matrix * Saaty AHP = Strong actions prioritization? Theoretical literature and lessons drawn from empirical evidences. https://luxafor.com/the-eisenhower-matrix/
Wahyuni, S., Liza, L. O., Syahdan, Rusandi, M. A., & Situmorang, D. D. B. (2023). ‘Treasure hunt’: Using loose parts media to develop social financial education model for early children. Heliyon, 9(6). https://doi.org/10.1016/j.heliyon.2023.e17188
Wajhi, N., Norazlina, A., Nor, R., Hj, H., & Noor, M. (2014). INVESTMENT IN STOCK MARKET: A REVIEW ON ISLAMIC PERSPECTIVES. In Synergizing Knowledge on Management and Muamalah. www.thestar.com.my
Xu, Z., Ma, J., Li, D., & Fu, W. (2022). Religious beliefs and stock market participation: Evidence from urban households in China. Research in International Business and Finance, 63, 101795. https://doi.org/https://doi.org/10.1016/j.ribaf.2022.101795
Yong, Z., Xiaomeng, L., & Xiao, J. jian. (2023). Does financial education help to improve the return on stock investment? Evidence from China. 78, 1–14. https://doi.org/https://doi.org/10.1016/j.pacfin.2023.101940
Yusfiarto, R., Nugraha, S. S., Mutmainah, L., Berakon, I., Sunarsih, S., & Nurdany, A. (2023). Examining Islamic capital market adoption from a socio-psychological perspective and Islamic financial literacy. Journal of Islamic Accounting and Business Research, 14(4), 574–594. https://doi.org/10.1108/JIABR-02-2022-0037
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Dito Rinaldo Novandi C Rinaldo, vina Anggilia Puspita
This work is licensed under a Creative Commons Attribution 4.0 International License.
