Literasi Investasi Syariah bagi Diaspora Indonesia di Jepang
DOI:
https://doi.org/10.30734/j-abdipamas.v10i2.5464Abstract
ABSTRACT
This community-service article reports a hybrid financial education program designed to improve sharia investment literacy among the Indonesian diaspora in Japan. The program responded to three practical problems: limited literacy on safe and sharia-compliant investment, the absence of a concise educational module suited to workers’ schedules, and limited outreach from formal financial authorities. The intervention was conducted in three stages: an online session with PCIM Tokyo on 25 January 2026, an offline workshop with PRIM Tokyo on 1 February 2026, and a follow-up online session with PRIM Hokkaido on 8 February 2026. The method combined needs assessment, short lectures, financial simulations, guided discussion, and post-session reflection. Draft quantitative results based on reconstructed evaluation sheets indicate that the average participant score increased from 41.6 to 78.7 on a 100-point scale. Qualitative responses also show clearer understanding of the distinction between legal and illegal investment, greater confidence in comparing sharia instruments, and stronger intention to allocate remittances more productively. The discussion connects these findings to the value–attitude–behavior perspective: simulation made halal value, safety, and long-term benefit more concrete, strengthened positive attitudes toward sharia investment, and encouraged initial behavioral commitment. The article concludes that hybrid, simulation-based community service is feasible and contextually effective for diaspora communities with limited time and dispersed locations, while recommending sustained mentoring and stronger collaboration with OJK- and KP2MI-linked literacy initiatives.
Keywords: Sharia investment literacy; Indonesian diaspora; migrant financial education; financial simulation; community service; Japan
ABSTRAK
Artikel pengabdian kepada masyarakat ini melaporkan program edukasi keuangan hibrida yang dirancang untuk meningkatkan literasi investasi syariah pada diaspora Indonesia di Jepang. Program ini merespons tiga persoalan praktis, yaitu terbatasnya literasi tentang investasi yang aman dan sesuai syariah, belum tersedianya modul edukatif ringkas yang sesuai dengan ritme kerja peserta, serta masih terbatasnya sosialisasi formal dari otoritas keuangan. Intervensi dilaksanakan dalam tiga tahap: sesi daring bersama PCIM Tokyo pada 25 Januari 2026, lokakarya luring bersama PRIM Tokyo pada 1 Februari 2026, dan sesi penguatan daring bersama PRIM Hokkaido pada 8 Februari 2026. Metode yang digunakan memadukan analisis kebutuhan, ceramah singkat, simulasi keuangan, diskusi terbimbing, dan refleksi pascakegiatan. Hasil kuantitatif draf yang direkonstruksi dari lembar evaluasi menunjukkan bahwa skor rata-rata peserta meningkat dari 41,6 menjadi 78,7 pada skala 100. Tanggapan kualitatif juga memperlihatkan bahwa peserta semakin memahami perbedaan investasi legal dan ilegal, lebih percaya diri membandingkan instrumen syariah, dan memiliki niat yang lebih kuat untuk mengalokasikan remitansi secara produktif. Pembahasan mengaitkan temuan tersebut dengan perspektif value–attitude–behavior: simulasi membuat nilai halal, aspek keamanan, dan manfaat jangka panjang menjadi lebih konkret, memperkuat sikap positif terhadap investasi syariah, serta mendorong komitmen perilaku awal. Artikel ini menyimpulkan bahwa PkM berbasis simulasi keuangan dengan format hybrid layak dan efektif secara kontekstual untuk komunitas diaspora yang memiliki keterbatasan waktu dan lokasi tersebar, sekaligus merekomendasikan pendampingan berkelanjutan dan penguatan kolaborasi dengan inisiatif literasi OJK dan KP2MI.
Kata kunci: Literasi investasi syariah; diaspora Indonesia; edukasi keuangan migran; simulasi keuangan; pengabdian masyarakat; Jepang
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