Eksplorasi Kesadaran Haji Generasi Z Melalui Literasi Keuangan Syariah Dan Perencanaan Keuangan

Abstract

Penelitian kualitatif ini bertujuan untuk mengeksplorasi peran literasi keuangan syariah dalam membantu Generasi Z merencanakan ibadah haji serta mengidentifikasi tingkat pemahaman mereka. Melalui pendekatan kualitatif dengan metode triangulasi yang menggabungkan wawancara mendalam, analisis dokumen, dan Focus Group Discussion (FGD), studi ini mengevaluasi pengaruh literasi keuangan terhadap kesiapan finansial generasi muda. Temuan penelitian menunjukkan bahwa meskipun memiliki akses informasi yang luas, pemahaman awal Generasi Z terhadap investasi Islam dan manajemen biaya haji masih terbatas. Berdasarkan hasil kuantifikasi data selama proses FGD, ditemukan bahwa tingkat pemahaman literasi keuangan syariah peserta awalnya hanya sebesar 60%, namun meningkat signifikan menjadi 88% setelah kegiatan diskusi dilakukan. Hasil ini mengindikasikan bahwa kurangnya pemahaman prinsip dasar keuangan Islam menjadi hambatan utama dalam perencanaan haji yang sesuai syariat. Penelitian ini menyimpulkan bahwa literasi keuangan syariah bukan sekadar alat pengelolaan uang, melainkan instrumen krusial untuk meningkatkan kesadaran beribadah. Oleh karena itu, diperlukan strategi pendidikan yang sistematis dan relevan guna mengoptimalkan potensi Generasi Z dalam mempersiapkan perencanaan haji sejak dini.

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Issue

Vol. 8 No. 1 (2026): At-Tasharruf; Jurnal Ekonomi dan Bisnis Syariah

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