REPUBLIKA.CO.ID, JAKARTA \u2013 Islamic educational institutions are\nconsidered not yet fully embracing Sharia financial services. A number\nof school payments and educational transactions still largely use\nconventional bank services.<\/p>\n
Halal content creator, Dian Widayanti, said she still finds Islamic\nschools using payment services through conventional banks. \u201cMy children\ngo to Islamic schools, but the payments are made via virtual accounts\nfrom conventional banks,\u201d Dian said during a Focus Group Discussion\n(FGD) titled \u201cBeyond Awareness: From Lifestyle to Inclusion\u201d, which was\nheld by Republika together with FoSSEI as part of the Road to ISF 2026\nseries on Wednesday (13\/5\/2026).<\/p>\n
According to her, this condition shows that the Sharia ecosystem in\nthe educational environment is not yet strong enough. In fact, schools\nare considered important places to build habits of using Sharia services\nfrom an early age.<\/p>\n
Dian said that many educational institutions are still concerned that\nusing Sharia services will make it difficult for parents who do not yet\nhave Sharia bank accounts.<\/p>\n
As a result, the use of conventional services remains the primary\nchoice in daily educational activities. Similar criticism was also\nconveyed by Muhammad Rido, a student at UIN Sunan Kalijaga. He said that\nthe campus environment is still dominated by conventional services.<\/p>\n
\u201cIf we look at financial institutions on campus, they are still using\nconventional finance, such as for tuition fee payments,\u201d said Rido.<\/p>\n
Data from the OJK shows that the level of Sharia financial literacy\nand inclusion in the student segment is still below the national\naverage. The index of Sharia financial literacy among students and\nuniversity students was recorded at 40.49 percent, while its inclusion\nrate is only 10.81 percent.<\/p>\n
The Assistant Director of the OJK\u2019s Sharia Financial Literacy and\nInclusion Group, Asadulloh Sefnado, said that access to services is\nstill the main challenge in increasing the use of Sharia products.<\/p>\n
Therefore, the OJK has begun encouraging schools, universities, and\nworkplaces to provide Sharia-compliant payment and salary options.<\/p>\n
\u201cWhen there is a conventional payroll system, then access should also\nbe provided if we want a Sharia option,\u201d said Sefnado.<\/p>\n
According to the OJK, ease of access and proximity of services to\ndaily activities are important factors in increasing Sharia financial\ninclusion among young people.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/islamic-schools-not-yet-fully-embracing-sharia-financial-services-1780681914", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }