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Cited by 2Education and Islamic StudiesEducation and Character DevelopmentIslamic Finance and Communication

The DOI matches its Crossref record; 18 of the 18 references it cites were found in a registry or an index.

Financial Literacy-Based Islamic Education and Deep Learning to Prevent Online Debt in Indonesian Students

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Marzuki, Ahmad, Mashuri, M. Mukhid, ., Saifulah, Ilmi, Nurul·2025·Journal of Innovation and Technology
DOI 10.61453/joit.v2025no16
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Abstract

Online lending (pinjol) among Indonesian youth poses ethical and financial risks, particularly regarding riba in debt transactions. According to the Financial Services Authority (OJK), as of February 2025, individuals aged 19–34 held an outstanding balance of IDR 38.18 trillion, while non-performing loans for those under 19 reached IDR 3.6 billion. This study developed a Grade VIII Islamic Religious Education (PAI) textbook, Chapter 9: “Becoming a Trustworthy Person and Avoiding Riba in Trade and Debt Transactions”, integrating financial literacy with a deep learning approach. Using the ADDIE-based Research and Development (R&D) method, the textbook underwent needs analysis, design, expert validation, pilot testing, and evaluation. Expert reviews rated it “excellent” across content (91.4%), instructional design (89.7%), and contextual relevance (90.2%). Implementation with 62 students increased average scores from 65.3 to 84.7 (N-gain = 0.63), improving riba comprehension, critical thinking, and ethical decision-making, while reducing interest in online loans. These improvements were facilitated through the principles of Mindful Learning, which encouraged reflective awareness of the ethical implications of debt; Meaningful Learning, which connected Islamic financial values with real-life cases of digital lending; and Joyful Learning, which engaged students through interactive, problem-based, and collaborative tasks. The results underscore the potential of integrating financial literacy into Islamic education through deep learning pedagogy as a proactive means of fostering ethical financial behavior among adolescents.

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Metadata

Authors
Marzuki, A., Mashuri, M. M., ., S., & Ilmi, N.
Affiliations
Universitas Yudharta Pasuruan (ID)
Venue
Journal of Innovation and Technology
Publisher
INTI International University
Published
2025-12-01
Volume
2025
Issue
2
ISSN
2805-5179 (ISSN-L)
DOI
10.61453/joit.v2025no16
OpenAlex
W4417072498
Cited by
1
References
18
Citations by year
2026: 1
FWCI
3.09
Type
journal article
Language
en
Open access
Licence
Locations
Journal of Innovation and Technology (publishedVersion, cc-by)
Topics
  • Social Sciences › Education › Education and Islamic Studies
  • Social Sciences › Education › Education and Character Development
  • Social Sciences › Sociology and Political Science › Islamic Finance and Communication
Keywords
financial literacy, Islamic education, online lending, riba, deep learning pedagogy, adolescents, mindful learning, meaningful learning, joyful learning, non-performing loans, Indonesian students

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