Purpose

This study aims to propose a comprehensive education model to enhance Islamic financial literacy to elevate the prominence of Islamic finance.

Design/methodology/approach

The study conceptualized a framework of Islamic finance education using Prochaska and DiClemente’s transtheoretical model (TTM) of change aided by a review of the essential literature on Islamic financial literacy. The study also includes critical reflection based on the real firsthand experiences of delivering 16 voluntary non-formal community-based Islamic finance workshops for Indonesian diaspora in the UK and the Republic of Ireland from December 2014 to July 2016.

Findings

This study provides an inclusive conceptualization of an Islamic finance education approach to creating awareness in communities of applying Islamic financial principles in daily life. It also elaborates stage-appropriate strategies that cover the pre-contemplation, contemplation, preparation, action and maintenance stages that vary by upon individuals based on their readiness to adopt Islamic finance principles.

Research limitations/implications

This study is not merely based on a conceptual examination of literature but also incorporates critical reflection on a series of community-based Islamic finance workshops conducted by the authors. It therefore offers the potential to present an under-researched model used to enhance Islamic finance literacy as one of the pillars in supporting the development of the Islamic economic and financial sector.

Practical implications

This study provides guidelines and various practical ideas that scholars and any concerned parties can use to offer community-based Islamic finance educational activities aimed at supporting the future organic growth of Islamic finance.

Originality/value

The study expands the use of Prochaska and DiClemente’s TTM (which has been widely cited in health-related behavioral research) and brings a unique theoretical lens, notably within the Islamic finance literature. The use of the TTM was established in psychology and health-related behavioral science, particularly in relation to elucidating how people cease unhealthy behaviors (e.g. alcohol and smoking addictions) and how they develop healthy behaviors. This paper brings the TTM into another context on how to stimulate individuals, particularly Muslims, to shift from “riba addiction” and develop sharia-compliant financial behaviors.

中文翻译：

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通过社区研讨会提高伊斯兰金融知识：一种跨理论模型

目的

本研究旨在提出一个全面的教育模式，以提高伊斯兰金融素养，以提升伊斯兰金融的重要性。

设计/方法/方法

该研究使用 Prochaska 和 DiClemente 的变革的跨理论模型 (TTM) 概念化了伊斯兰金融教育框架，并辅以对伊斯兰金融知识的基本文献的回顾。该研究还包括根据 2014 年 12 月至 2016 年 7 月在英国和爱尔兰共和国为散居在英国和爱尔兰共和国的印尼侨民举办的 16 个自愿非正规社区伊斯兰金融研讨会的真实第一手经验的批判性反思。

发现

本研究提供了伊斯兰金融教育方法的包容性概念，以提高社区在日常生活中应用伊斯兰金融原则的意识。它还详细阐述了适合阶段的策略，涵盖预考虑、考虑、准备、行动和维护阶段，这些阶段因个人对采用伊斯兰金融原则的准备程度而异。

研究限制/影响

这项研究不仅基于对文献的概念审查，而且还结合了对作者举办的一系列基于社区的伊斯兰金融研讨会的批判性反思。因此，它提供了一种潜力，可以提出一个研究不足的模型，用于提高伊斯兰金融素养，将其作为支持伊斯兰经济和金融部门发展的支柱之一。

实际影响

本研究提供了指导方针和各种实用的想法，学者和任何有关方面都可以使用这些指导方针和各种实践想法来提供以社区为基础的伊斯兰金融教育活动，旨在支持伊斯兰金融未来的有机增长。

原创性/价值

该研究扩展了 Prochaska 和 DiClemente 的 TTM（在与健康相关的行为研究中被广泛引用）的使用，并带来了独特的理论视角，尤其是在伊斯兰金融文献中。TTM 的使用建立在心理学和与健康相关的行为科学中，特别是在阐明人们如何停止不健康行为（例如酒精和吸烟成瘾）以及他们如何发展健康行为方面。本文将 TTM 带入了另一种背景，即如何刺激个人，尤其是穆斯林，从“riba 成瘾”转变为符合伊斯兰教法的金融行为。