27
Views
68
Downloads
Open Access
Integrating Islamic Values and Madurese Local Wisdom in Early Childhood Financial Literacy: Evidence from a Qualitative Multi-Site Case Study
Main Article Content
Abstract
Design/methods/approach – This qualitative multi-site case study involved 15 participants from two Islamic kindergartens in East Java, comprising eight teachers, two principals, and five parents. Data were collected over six months through non-participatory observation, semi-structured interviews, and document analysis. Data analysis followed Braun and Clarke’s reflexive thematic analysis. Trustworthiness was enhanced through methodological triangulation, member checking, and peer debriefing.
Findings – The analysis identified three interrelated themes. The first concerns a pedagogical paradigm shift from teacher-centered to student-centered learning, mediated by the use of local wisdom as experiential learning resources, through the Beyond Centers and Circle Time model. The second theme highlights experiential entrepreneurship development through activities such as cooking classes, Market Day programs featuring Madurese products, and structured charitable practices. The third theme addresses the integration of values-based financial literacy, in which Islamic economic principles, including halal–haram considerations, charity, and social responsibility, are embedded in everyday financial learning activities. Across these themes, implementation was characterized by variation in children’s understanding, ongoing teacher mediation, and developmental constraints.
Research implications/limitations – The findings indicate that values-integrated transformative learning can strengthen early childhood financial literacy by connecting economic concepts with ethical and cultural meanings. However, generalizability is limited by the small sample, Madurese cultural context, six-month duration, and qualitative design.
Practical implications – Early childhood financial literacy in Muslim-majority settings may be enhanced through integrating Islamic values and local culture, supported by teacher capacity building, family–school collaboration, and pedagogical flexibility.
Originality/value – This study contributes to values-integrated financial literacy and transformative pedagogy by showing that ethical, cultural, and economic learning develops through negotiated classroom practices rather than linear processes, with relevance across diverse sociocultural contexts.
Keywords:
Article Details
How to Cite
Copyright
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal the right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors can enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) before and during the submission process. It can lead to productive exchanges and earlier and greater citation of published work.
How to Cite
References
Aldossary, N. S. A., Etman, A. A. E. M., & Omar, S. M. S. (2025a). Promoting the Concept of Saving in Early Childhood and Its Role in Developing Financial Awareness According to Saudi Vision 2030. Journal of Posthumanism, 5(9). https://doi.org/10.63332/joph.v5i9.2870
Aldossary, N. S. A., Etman, A. A. E. M., & Omar, S. M. S. (2025b). The role of kindergarten in developing children’s economic concepts and its impact on early childhood education. Journal of Posthumanism, 5(9). https://doi.org/10.63332/joph.v5i9.2865
Alfarisy, S. J. & Iswandi. (2025). Integration of Character Education Values in Islamic Religious Education Learning at School. Multidisciplinary Indonesian Center Journal (MICJO), 2(2), 1503–1509. https://doi.org/10.62567/micjo.v2i2.660
Amalia, A., Baharun, H., Rahman, F., & Maryam, S. (2022). Enhancement School Competitiveness Through A Literacy Culture Based on Local Wisdom. Jurnal Obsesi: Jurnal Pendidikan Anak Usia Dini, 6(3), 2325–2333. https://doi.org/10.31004/obsesi.v6i3.2094
Anami, A. K. (2024). Ethical entrepreneurship: Islamic financial principles for Small and Medium Enterprises (SMEs). GSC Advanced Research and Reviews, 18(2), 059–066. https://doi.org/10.30574/gscarr.2024.18.2.0035
Ausubel, D. P., Novak, J. D., & Hanesian, H. (1978). Educational Psychology: A Cognitive View. Holt, Rinehart and Winston. https://www.worldcat.org/oclc/3498034
Bandura, A. (1986). Social Foundations of Thought and Action: A Social Cognitive Theory. Prentice-Hall. https://www.worldcat.org/oclc/13407313
Bhardwaj, V., Zhang, S., Tan, Y. Q., & Pandey, V. (2025). Redefining learning: Student-centered strategies for academic and personal growth. Frontiers in Education, 10, 1518602. https://doi.org/10.3389/feduc.2025.1518602
Borg, F., & Samuelsson, I. P. (2022). Preschool children’s agency in education for sustainability: The case of Sweden. European Early Childhood Education Research Journal, 30(1), 147–163. https://doi.org/10.1080/1350293X.2022.2026439
Braun, V., & Clarke, V. (2006). Using thematic analysis in psychology. Qualitative Research in Psychology, 3(2), 77–101. https://doi.org/10.1191/1478088706qp063oa
Carter, P. L., & Nicolaides, A. (2023). Transformative learning: An emotional (r)evolution. New Directions for Adult and Continuing Education, 177, 25–36. https://doi.org/10.1002/ace.20476
Colomer, J., Serra, T., Cañabate, D., & Bubnys, R. (2020). Reflective Learning in Higher Education: Active Methodologies for Transformative Practices. Sustainability, 12(9), 3827. https://doi.org/10.3390/su12093827
Creswell, J. W., & Creswell, J. D. (2022). Research Design: Qualitative, Quantitative, and Mixed Methods Approaches. SAGE Publications, Inc.
Elia. (2024). Optimizing the Early Childhood Education Curriculum by Incorporating Local Wisdom for Holistic Development. IJLHE: International Journal of Language, Humanities, and Education, 7(2), 141–158. https://doi.org/10.52217/ijlhe.v7i2.1586
Furqani, H., Adnan, G., & Mulyany, R. (2020). Ethics in Islamic economics: Microfoundations for an ethical endogeneity. International Journal of Ethics and Systems, 36(3), 449–463. https://doi.org/10.1108/IJOES-03-2020-0032
Gladstone, J., & Barrett, J. A. M. (2023). Understanding the functional form of the relationship between childhood cognitive ability and adult financial well-being. PLOS ONE, 18(6), e0285199. https://doi.org/10.1371/journal.pone.0285199
Grusec, J. E. (1992). Social learning theory and developmental psychology: The legacies of Robert Sears and Albert Bandura. Developmental Psychology, 28(5), 776–786. https://doi.org/10.1037/0012-1649.28.5.776
He, H., Luo, W., Gong, Y., Berson, I. R., & Berson, M. J. (2024). Digital Financial Literacy of Young Chinese Children in Shanghai: A Mixed Method Study. Early Education and Development, 35(1), 57–76. https://doi.org/10.1080/10409289.2023.2208011
Hornby, G. (2011). Parental Involvement in Childhood Education: Building Effective School-Family Partnerships. Springer New York. https://doi.org/10.1007/978-1-4419-8379-4
Kaiser, J. L., Ngoma, T., Rockers, P. C., Fink, G., Juntunen, A., Hamer, D. H., Chirwa, B., & Scott, N. A. (2023). A Qualitative Assessment of Community Acceptability and Use of a Locally Developed Children’s Book to Increase Shared Reading and Parent-Child Interactions in Rural Zambia. Annals of Global Health, 89(1). Scopus. https://doi.org/10.5334/aogh.3920
Kaiser, T., Lusardi, A., Urban, C., & Menkhoff, L. (2020). Financial Education Affects Financial Knowledge and Downstream Behaviors. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.3589154
Kobiyh, M., & El Amri, A. (2023). Inefficiency of Financial Markets and Paths to the Development of a Modern Financial Theory. Financial Markets, Institutions and Risks, 7(2), 95–100. https://doi.org/10.21272/fmir.7(2).95-100.2023
Lazurko, A., Moore, M.-L., Haider, L. J., West, S., & McCarthy, D. D. P. (2025). Reflexivity as a transformative capacity for sustainability science: Introducing a critical systems approach. Global Sustainability, 8, e1. https://doi.org/10.1017/sus.2024.49
Lim, W. M. (2025). What Is Qualitative Research? An Overview and Guidelines. Australasian Marketing Journal, 33(2), 199–229. https://doi.org/10.1177/14413582241264619
Ma, X., Wang, R., Dai, M., & Ou, Y. (2021). The influence of culture on the sustainable livelihoods of households in rural tourism destinations. Journal of Sustainable Tourism, 29(8), 1235–1252. https://doi.org/10.1080/09669582.2020.1826497
McClain, A. L. (2024). New Developments in Transformative Learning. New Directions for Adult and Continuing Education, 184, 20–29. https://doi.org/10.1002/ace.20540
Mezirow, J. (2000). Learning as Transformation: Critical Perspectives on a Theory in Progress. Jossey-Bass. https://www.worldcat.org/oclc/41330130
Moslimany, R., Otaibi, A., & Shaikh, F. (2024). Designing a holistic curriculum: Challenges and opportunities in Islamic education. Journal on Islamic Studies, 1(1), 52–73. https://doi.org/10.35335/beztg009
Mujahid, I. (2021). Islamic orthodoxy-based character education: Creating moderate Muslim in a modern pesantren in Indonesia. Indonesian Journal of Islam and Muslim Societies, 11(2), 185–212. https://doi.org/10.18326/ijims.v11i2.185-212
Noviyanti, S. F., & Ulfiandi, I. Z. (2024). The Existence of Local Wisdom of Islamic Boarding Schools in the Independent Curriculum in Elementary Schools. Journal of Educational Management Research, 3(2), 130–142. https://doi.org/10.61987/jemr.v3i2.439
Nuriyanto, L. K., Reslawati, Putra, I. K. S., Amir, M., Jayanti, I. G. N., Aridawati, I. A. P., & Sudastro, R. (2025). Revitalizing local traditions: Cultural sustainability and creative economy in the era of globalization. Journal of Posthumanism, 5(6), 1800–1816. https://doi.org/10.63332/joph.v5i6.2283
Otoritas Jasa Keuangan. (2021). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021-2025. https://www.ojk.go.id
Putra, C. (2025). Islamic Strategic Management: Integrating Sharia Values in Business Decision-Making. International Journal For Multidisciplinary Research, 7(3), 49572. https://doi.org/10.36948/ijfmr.2025.v07i03.49572
Rangkuti, Y. A., Bangun, A. K., Kurniawan, R., Ilham, Z., Hasibuan, S., Tambunan, T. M. B., & Silitonga, D. F. (2025). Cultural heritage and sports tourism: A systematic literature review of sustainable destination management practices. Frontiers in Sports and Active Living, 7, 1680229. https://doi.org/10.3389/fspor.2025.1680229
Rapina, R., Meythi, Rahmatika, D. N., & Mardiana, M. (2023). The impact of financial literacy and financial behavior in entrepreneurial motivation – evidence from Indonesia. Cogent Education, 10(2), 2282827. https://doi.org/10.1080/2331186X.2023.2282827
Revell, S. M. H., Sethares, K. A., Chin, E. D., Kellogg, M. B., Armstrong, D., & Reynolds, T. (2022). A Transformative Learning Experience for Senior Nursing Students. Nurse Educator, 47(3), 161–167. https://doi.org/10.1097/NNE.0000000000001141
Ribeiro, C. B., Balbino, C. M., De Oliveira, D. F., Ramos, R. M. D. O., & Loureiro, L. H. (2024). Integrating Ausubel’s meaningful learning and Kolb’s realistic simulation in medication preparation: A reflection article. Contribuciones a Las Ciencias Sociales, 17(1), 3917–3934. https://doi.org/10.55905/revconv.17n.1-232
Rifqiansyah, & Wijaya, H. (2025). Entrepreneurship Based on Culture and Local Wisdom: Building Sustainable Business from Tradition. Journal of Indonesian Scholars for Social Research, 5(1), 14–23. https://doi.org/10.59065/jissr.v5i1.169
Rizka, R., Anwar, A., Nasir, N., Sinala, A., Imam, G., Faridy, N., & Bangkara, B. M. A. S. A. (2025). Integrating local wisdom into entrepreneurship education for sustainable tourism in Pulo Aceh, Indonesia. Jurnal Ilmiah Peuradeun, 13(3), 1909–1940. https://doi.org/10.26811/peuradeun.v13i3.1909
Sajid, M. A. (2025). Fostering financial literacy in children: A cornerstone for economic well-being. Journal of Childhood Literacy and Societal Issues, 3(1), 1–7. https://doi.org/10.71085/joclsi.03.01.39
Sakti, S. A., Endraswara, S., & Rohman, A. (2024). Revitalizing local wisdom within character education through ethnopedagogy approach: A case study on a preschool in Yogyakarta. Heliyon, 10(10), e31370. https://doi.org/10.1016/j.heliyon.2024.e31370
Singer-Brodowski, M. (2023). The potential of transformative learning for sustainability transitions: Moving beyond formal learning environments. Environment, Development and Sustainability, 27(9), 20621–20639. https://doi.org/10.1007/s10668-022-02444-x
Staverska, T., Zhyliakova, O., & Lysak, H. (2022). Theoretical justification of the culture components of financial relations. Ukrainian Journal of Applied Economics and Technology, 7(2), 323–329. https://doi.org/10.36887/2415-8453-2022-2-39
Sweet, S. F. (2023). Using Guided Critical Reflection to Discover Deepened and Transformative Learning in Leadership Education. Journal of Research on Leadership Education, 18(4), 600–621. https://doi.org/10.1177/19427751221118951
Switaningsih H, C., Lusiana, R. E., & Sulianto, J. (2024). Creative Entrepreneurship Learning Model Based On Local Wisdom Through Carrot Bean Sprout Spring Roll Innovation In Science Learning Grade 4. Schola, 2(2), 66–74. https://doi.org/10.26877/schola.v2i2.1217
Toka, K., & Gioti, L. (2023). Brookfield and Mezirow on Critical Reflection: Empowering Oneself, Transforming Society. European Journal of Education Studies, 10(12). https://doi.org/10.46827/ejes.v10i12.5120
Umnov, D. G., Kariyev, A. D., Teshaboyev, A. Yu., & Mirzakarimova, M. M. (2025). Forming financial literacy and consumer culture in older preschoolers. Perspectives of Science and Education, 72(6), 420–436. https://doi.org/10.32744/pse.2024.6.26
Vygotsky, L. S. (1978). Mind in society: The development of higher psychological processes. Harvard University Press.
Wijaya, H. R., Hati, S. R. H., Ekaputra, I. A., & Kassim, S. (2024). The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims. Humanities and Social Sciences Communications, 11(1), 830. https://doi.org/10.1057/s41599-024-03309-6
Williams, J., Ashill, N., & Thirkell, P. (2016). How is value perceived by children? Journal of Business Research, 69(12), 5875–5885. https://doi.org/10.1016/j.jbusres.2016.04.103
Xue, Z. (2023). Exploring Vygotsky’s Zone of Proximal Development in Pedagogy: A Critique of a Learning Event in the Business/Economics Classroom. International Journal of Education and Humanities, 9(3), 166–168. https://doi.org/10.54097/ijeh.v9i3.10506
Yatim, H., Jayadi, K., Jamilah, J., Abduh, A., & Prusdianto, P. (2025). Integrating cultural heritage into education: The supportive role of schools in traditional festivals in West Sulawesi. Discover Education, 4(1), 379. https://doi.org/10.1007/s44217-025-00847-2