The Significance of Financial Literacy for Family Wealth Management: A Critical Study from Maqasid Perspective (Kepentingan Ilmu Kewangan dalam Pengurusan Harta Sesebuah Keluarga: Kajian Kritikal Mengikut Perdpektif Maqasid)
DOI:
https://doi.org/10.31436/jia.v17i3.993Abstract
Financial literacy has a tremendous impact on sustaining family financial management. Lack of financial knowledge may lead to arising financial problems within the family which also may affect the personal relationship and working performance of its members. Managing wealth realizes the Maqasid Shariah, Hifz al-mal (preservation of wealth) to ensure the sustainable life of every individual and Hifz al-nafs (preservation of life. This study addresses the importance of financial literacy in the dynamic environment of household financial management to avoid family problems such as divorce, financial arguments and broken family which would be contradictory to the intent of the Shariah. The literature on financial literacy and family financial management were critically reviewed and used in an attempt to highlight the financial issues within the family. This paper explores financial literacy in family financial management as well as the conflicts that arise from financial problems. Considering the urgency of financial literacy in the dynamic environment of household financial management, it aims to create awareness and propose recommendation on promoting the financial literacy in managing household’s finance as part of the preservation of Maqasid in Malaysia context.
Keywords: Financial Literacy, Family Wealth Management, Maqasid Shariah.
Abstrak
Celik kewangan mempunyai kesan yang besar dalam pengurusan kewangan keluarga. Kekurangan pengetahuan dalam kewangan ini akan mengundang masalah kewangan dalam keluarga yang mampu mempengaruhi hubungan antara sesama ahli keluarga dan juga mengganggu prestasi kerja seseorang. Disebabkan kadar kemuflisan dan keberhutangan yang tinggi, persatuan dan institusi kewangan Malaysia menitikberatkan kepentingan ilmu pengetahuan tentang kewangan dan pendidikannya dalam keluarga. Menguruskan kewangan dengan baik adalah salah satu maqasid Syariah dalam memelihara harta “hifz al-mal”- pemeliharaan harta untuk memastikan kehidupan yang lestari di mana ia juga merupakan antara maqasid Syariah yang lain iaitulah “hifz al-nafs”-pemeliharaan jiwa. Kajian ini membincangkan kepentingan mempunyai ilmu kewangan dalam persekitaran dinamik pengurusan rumah tangga demi mengelakkan masalah seperti penceraian, pertengkaran dan pergaduhan serta perpecahan keluarga yang bertentangan dengan maqasid Syariah. Kajian-kajian terdahulu berkaitan celik kewangan dan pengurusan kewangan keluarga diamati secara kritis dalam usaha untuk mengenalpasti masalah-masalah kewangan yang berlaku dalam sesebuah keluarga. Dengan menggunakan pendekatan induktif dan deduktif yang merupakan antara kaedah kajian kualitatif, makalah ini mengkaji sejauhmana kewujudan ilmu kewangan dalam sesebuah keluarga serta konflik yang timbul kesan daripada masalah kewangan yang berlaku. Memandangkan keperluan ilmu ini dalam persekitaran dinamik pengurusan rumahtangga, makalah ini cuba untuk memberi kesedaran dan garis panduan tentang kepentingan ilmu ini sebagai salah satu cara melestarikan maqasid di Malaysia.
Kata Kunci: Celik wang, maqasid syariah, keluarga , pengurusan harta, rumahtangga.
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