The Effectiveness of Islamic Financial Literacy Education on Customers’ Level of Understanding of Financing Products at Bank Syariah Indonesia, Bengkulu Branch

Anisa Juliarti; Fatimah Yunus; Gustiya Sunarti

doi:10.63922/ijbqr.v4i04.6382

Anisa Juliarti Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Fatimah Yunus Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Gustiya Sunarti Universitas Islam Negeri Fatmawati Sukarno Bengkulu

DOI: https://doi.org/10.63922/ijbqr.v4i04.6382

Keywords: Islamic Financial Literacy, Education, Customer Understanding, Financing Products, Islamic Bank

Abstract

ABSTRACT

The Islamic banking industry in Indonesia has grown rapidly, yet public Islamic financial literacy remains low, particularly in understanding complex financing products. This study aims to analyze the effectiveness of Islamic financial literacy education on the level of understanding of customers of Bank Syariah Indonesia, Bengkulu Branch, regarding financing products such as murabahah, ijarah, musyarakah, and mudharabah. The study uses a descriptive qualitative approach with a case study method, involving 12 customers who participated in the education program and had actively used financing products for at least six months. Data were collected through in-depth interviews, observation, and program documentation, then analyzed thematically. The results show that the education program effectively improved customers’ basic understanding of key concepts and terminology in Islamic banking, as well as simple products such as murabahah and ijarah. However, understanding of more complex products, such as musyarakah and mudharabah, remains limited, particularly regarding profit-sharing arrangements, risk, and the responsibilities of each party. The effectiveness of the education increased through a combination of face-to-face methods, simulations, and digital media tailored to customer characteristics. In conclusion, Islamic financial literacy encompasses not only basic knowledge but also the ability to analyze and make decisions in accordance with Shariah principles, so that education programs must be comprehensive, interactive, and sustainable.

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