LITERASI KEUANGAN HALAL DAN PERILAKU MANAJEMEN KEUANGAN MAHASISWA MUSLIM: SYSTEMATIC LITERATURE REVIEW BERBASIS PRISMA-GUIDED APPROACH
DOI:
https://doi.org/10.30863/akunsyah.v6i1.6137Keywords:
literasi keuangan halal; manajemen keuangan; mahasiswa Muslim; religiositas; systematic literature review.Abstract
Artikel ini bertujuan menelaah secara sistematis perkembangan kajian mengenai literasi keuangan halal dan perilaku manajemen keuangan mahasiswa Muslim melalui pendekatan focused systematic literature review yang dipandu oleh prinsip PRISMA 2020. Artikel ini menggunakan sepuluh artikel inti yang relevan dan bereputasi sebagai korpus utama sintesis, serta didukung oleh sumber institusional dan metodologis terkini. Hasil telaah menunjukkan bahwa literasi keuangan halal tidak dapat direduksi menjadi pengetahuan tentang produk perbankan syariah semata, tetapi perlu dipahami sebagai kapabilitas multidimensional yang mencakup pengetahuan keuangan, kesadaran syariah, sikap keuangan halal, efikasi diri keuangan syariah, religiositas, dan kemampuan mengelola keuangan secara etis dalam kehidupan sehari-hari. Literatur terdahulu juga menunjukkan bahwa hubungan antara literasi dan perilaku tidak bersifat otomatis; literasi perlu ditransformasikan melalui sikap, keyakinan diri, pengalaman penggunaan produk keuangan syariah, dan lingkungan digital yang mendukung. Artikel ini mengusulkan kerangka konseptual integratif yang menghubungkan halal financial literacy, halal financial attitude, sharia financial self-efficacy, religiositas, digital Islamic financial exposure, dan halal financial management behavior. Kontribusi artikel ini terletak pada penguatan basis konseptual literasi keuangan halal sebagai fondasi perilaku manajemen keuangan mahasiswa Muslim.
Kata kunci: literasi keuangan halal; manajemen keuangan; mahasiswa Muslim; religiositas; systematic literature review.
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