JAKARTA, INDONESIA — Indonesia aban ayɛ nhyehyɛe foforo a ɛbɛma sukuufoɔ anya nimdeɛ a ɛfa sikasɛm ne sikakorabea a ɛdi Sharia mmara so ho. Nhyehyɛe no baa mu bere a Ministry of Primary and Secondary Education a wɔfrɛ no Kemendikdasmen ne Financial Services Authority, anaa Otoritas Jasa Keuangan (OJK), yɛɛ apam a wɔfrɛ no Memorandum of Understanding (MoU).
Wɔyɛɛ apam no wɔ Indonesia Sharia Financial Olympiad (ISFO) 2026 awieeɛ no, wɔ Ɔpɛpɔn da a ɛtɔ so 24, 2026. Apam no botae titiriw ne sɛ wɔbɛma sukuu mu adesuafoɔ ne wɔn akyerɛkyerɛfoɔ anya nimdeɛ pii afa Sharia sikasɛm ho, na wɔahyɛ sikakorabea ne sikasɛm mu nkɔsoɔ a ɛne Sharia nnyinasosɛm hyia no ho nkuran.
Nhyehyɛe yi yɛ ɔkwan bi a Indonesia aban ne OJK pɛ sɛ wɔfa so ma mmofra ne mmabunu te sɛ wɔn a wɔwɔ mfitiaseɛ ne ntoasoɔ sukuu mu no te sikasɛm ase fi wɔn mmofraase. Wɔhwɛ kwan sɛ, sɛ adesuafoɔ nya nimdeɛ a ɛfata wɔ sika ho a, ɛbɛboa wɔn ma wɔatumi asi gyinaeɛ a ɛfata wɔ wɔn daakye sikasɛm mu.
Apam No Botaeɛ Ne Nkyerɛkyerɛ A Ɛbɛba
Indonesia Education Minister, Abdul Mu'ti, kaa sɛ apam a wɔne OJK ayɛ no mu adeɛ titiriw baako ne sɛ wɔbɛma adesuafoɔ a wɔwɔ ɔman no afanan nyinaa anya nwoma ne adesua nneɛma a ɛfa Sharia sikasɛm ho.
Sɛnea wɔkyerɛeɛ no, OJK animdefoɔ na wɔbɛboa ma wɔasiesie saa adesua nneɛma no. Wɔbɛma adesuafoɔ, akyerɛkyerɛfoɔ ne ɔmanfoɔ a wɔn ani gye ho anya kwan atwe nwoma no kwa wɔ digital platform a wɔfrɛ no Rumah Pendidikan so.
Wei kyerɛ sɛ adesuafoɔ renhia sɛ wɔtɔ nwoma no ansa na wɔatumi anya nimdeɛ no. Sɛ wɔwɔ intanɛt kwan ne mfiri a ɛtumi kɔ digital nhomakorabea no so a, wɔbɛtumi anya adesua nneɛma no na wɔasua wɔ wɔn ankasa bere mu.
Aban no hwɛ kwan sɛ nhyehyɛeɛ yi bɛma Sharia sikasɛm ho nimdeɛ atrɛw akɔ sukuu ahorow pii mu. Ɛnyɛ adesuafoɔ nko ara na wɔde nhyehyɛeɛ no bɛboa wɔn, na mmom akyerɛkyerɛfoɔ ne ɔmanfoɔ nso bɛtumi anya nneɛma a wɔde bɛte saa sikasɛm nhyehyɛeɛ no ase.
OJK Pɛ sɛ Wɔhyɛ Nimdeɛ Mu Fi Mmofraase
OJK nso akyerɛ sɛ ɛho hia sɛ sikasɛm ho nimdeɛ fi ase wɔ mmofra ne mmabunu bere mu. Dicky Kartikoyono, a ɔyɛ OJK adwumayɛfoɔ a ɔhwɛ financial services adwumayɛfoɔ suban, sikasɛm ho adesua ne adetɔfoɔ ahobammɔ so no, gyee apam no toom.
Ne nkyerɛkyerɛmu mu no, botaeɛ no ne sɛ wɔbɛyɛ nhyehyɛeɛ kɛseɛ bi a ɛbɛma Indonesiafoɔ anya Sharia sikasɛm ho nimdeɛ fi wɔn mfeɛ a wɔwɔ mfitiaseɛ ne ntoasoɔ sukuu mu.
Saa adwene yi gyina gyinaesi a ɛne sɛ mmofra a wɔnya sikasɛm ho nimdeɛ ntɛm no betumi ate nneɛma te sɛ sika a wɔde sie, sika a wɔde yɛ adwuma, sikakorabea, investment, ne financial services ase yie.
Sɛ adesuafoɔ nya saa nimdeɛ yi wɔ sukuu mu a, ɛbɛtumi ayɛ nhyehyɛeɛ a ɛbɛboa wɔn wɔ wɔn daakye. Wɔbɛsan atumi de nimdeɛ no akɔ wɔn mmusua mu na wɔne wɔn awofoɔ ne wɔn nuanom asusuw sikasɛm ho.
OJK ne Kemendikdasmen apam no enti, Sharia sikasɛm ho adesua renyɛ biribi a ɛwɔ financial institutions mu nko ara. Wɔpɛ sɛ ɛyɛ adesua a ɛka sukuu mu nhyehyɛeɛ ho na ɛyɛ adeɛ a adesuafoɔ bɛtumi ate aseɛ wɔ wɔn daadaa asetena mu.
Nimdeɛ Ne Sika Mu Dwumadie Ntam Nsonsonoeɛ
Adeɛ baako a wɔaka ho asɛm wɔ nhyehyɛeɛ no ho ne nsonsonoeɛ a ɛda Sharia financial literacy ne financial inclusion ntam.
Ferry Juliantono, a ɔyɛ Indonesia Minister of Cooperatives na ɔsan yɛ Masyarakat Ekonomi Syariah (MES) Executive Chairman, kaa sɛ Sharia financial literacy wɔ ɔman no mu adu ɔha mu nkyem 43.
Nanso, sɛ wɔhwɛ Sharia financial inclusion a, ɛyɛ ɔha mu nkyem 13.24 pɛ. Saa nɔma mmienu yi ma wohu sɛ ɛwɔ nsonsonoeɛ wɔ nnipa a wɔte Sharia sikasɛm ase ne nnipa a wɔde Sharia financial services di dwuma ntam.
Financial literacy kyerɛ sɛ obi wɔ nimdeɛ a ɛfa sika ne financial products ho na ɔte sɛnea wɔde di dwuma ase. Financial inclusion nso fa sɛnea nnipa tumi nya kwan kɔ financial services mu na wɔde saa services no di dwuma.
Enti, sɛ obi te Sharia banking ho asɛm nanso ɔnni kwan anaa ɔnka financial services no ho a, ɛkyerɛ sɛ nimdeɛ ne dwumadie no ntam da so ara wɔ kwan.
Saa nsonsonoeɛ yi na aban no pɛ sɛ wɔtew so. Wɔhwɛ kwan sɛ sɛ wɔhyɛ adesua mu sikasɛm ho nimdeɛ den a, ɛbɛma mmofra a wɔrenya wɔn mfeɛ kɔ anim no ate financial system no ase yie.
Sharia Sikasɛm Ho Nimdeɛ Bɛyɛ Adesuafoɔ Asetena Mu Adeɛ
Sharia financial system yɛ sikasɛm nhyehyɛeɛ a ɛfa Islamic principles ho. Wɔde nnyinasosɛm ahorow di dwuma wɔ financial transactions mu, na wɔn a wɔde saa nhyehyɛeɛ no di dwuma no hwehwɛ sɛ wɔn financial activities ne Sharia principles hyia.
WɔIndonesia, baabi a Muslimfoɔ pii wɔ no, Sharia financial sector ayɛ financial industry no fã. Ɛno nti, sikasɛm ho nimdeɛ a ɛfa Sharia services ho yɛ adeɛ a wɔpɛ sɛ adesuafoɔ te aseɛ.
Sɛ sukuufoɔ nya saa nimdeɛ no a, wɔbɛtumi ahu nsonsonoeɛ a ɛda financial products ahorow ntam na wɔatumi asua sɛnea wɔyɛ nhyehyɛeɛ ma wɔn sika. Wɔbɛsan atumi asua nneɛma a ɛfa responsible financial behaviour ho.
Nanso, botaeɛ no nyɛ sɛ wɔbɛhyɛ adesuafoɔ sɛ wɔmfa financial service biara nni dwuma. Botaeɛ titiriw ne sɛ wɔbɛma wɔn nimdeɛ ne nteaseɛ a ɛbɛma wɔatumi ate financial options ase.
Digital Nhomakorabea Bɛboa Adesuafoɔ
Adeɛ foforɔ a ɛho hia wɔ apam no mu ne sɛ wɔbɛma adesua nneɛma no anya digital kwan. Abdul Mu'ti kaa sɛ wɔbɛtumi atwe nwoma a ɛfa Sharia financial literacy ho kwa wɔ Rumah Pendidikan so.
Digital access betumi ama adesuafoɔ a wɔwɔ Indonesia afanan ahorow anya saa nneɛma no. Ɛho hia titiriw ma ɔman a ɛwɔ nsase ne nkurow bebree, baabi a ɛsono sukuu ne educational resources a ɛwɔ hɔ.
Akyerɛkyerɛfoɔ nso bɛtumi de nneɛma no adi dwuma wɔ wɔn adesua mu. Wɔbɛtumi de financial literacy ho nsɛm aka wɔn adesua ho, ama adesuafoɔ anya nteaseɛ a ɛyɛ practical na ɛfa wɔn daadaa asetena ho.
Sɛ digital education resources no yɛ accessible a, ɛbɛtumi ama sukuufoɔ asua wɔ sukuu akyi nso. Wɔbɛtumi akɔ so asua wɔ fie, wɔ library mu anaa wɔ baabi foforɔ a wɔwɔ internet kwan.
ISFO 2026 Na Ɛyɛ Apam No Awiase
MoU no signing yɛɛ Indonesia Sharia Financial Olympiad 2026 no awieeɛ dwumadie no fã. ISFO yɛ dwumadie a wɔde hyɛ Sharia financial literacy ho nkuran na wɔma adesuafoɔ nya kwan de wɔn nimdeɛ di dwuma.
Afe 2026 ISFO no nyaeɛ sɛ nnipa a wɔde wɔn ho hyɛɛ mu no dɔɔso. Sɛnea Tirto amanneɛeɛ no, nnipa bɛboro 11,952 na wɔde wɔn ho hyɛɛ dwumadie no mu. Saa dodow yi yɛ nkɔanim a ɛyɛ ɔha mu nkyem 15 sɛ wɔde toto afe a atwam no ho a.
Nnipa dodow a wɔde wɔn ho hyɛɛ ISFO mu no ma wohu sɛ Sharia financial education ho anigyeɛ wɔ adesuafoɔ ne ɔmanfoɔ mu. Olympiad no ma wɔn a wɔde wɔn ho hyɛɛ mu no nya kwan sua financial concepts na wɔde wɔn nimdeɛ di dwuma wɔ ɔkwan a ɛyɛ akansi so.
ISFO 2026 awieeɛ no nso maa aban ne OJK nyaa kwan sii wɔn nhyehyɛeɛ foforɔ no so dua. MoU no ma wɔn adwene ne wɔn nhyehyɛeɛ no nya ɔkwan a wɔbɛfa so akɔ so de financial education akɔ sukuu ahorow mu.
Ɔkwan a Ɛbɛtumi Aboa Daakye Mmeranteɛ
Ferry Juliantono nso kaa sɛ Sharia financial literacy ho nkuran wɔ sukuu mu no betumi ayɛ nea ɛboro financial awareness so. Wɔhwɛ kwan sɛ ɛbɛtumi aboa ma wɔanya mmabunu a wɔwɔ entrepreneurial skills na wɔtumi bɔ wɔn ankasa nnwuma.
Sɛ mmabunu sua sɛnea sika yɛ adwuma, sɛnea wɔyɛ nhyehyɛeɛ ma wɔn resources, ne sɛnea financial decisions tumi nya nkɛntɛnsoɔ wɔ wɔn daakye so a, ɛbɛtumi ama wɔanya nnyinasoɔ pa wɔ wɔn adwuma ne wɔn sikasɛm mu.
Entrepreneurship nso betumi ama mmabunu ahwehwɛ nnwuma foforɔ na wɔayɛ wɔn ankasa business ideas. Saa adeɛ yi betumi ayɛ mfasoɔ wɔ ɔman no sikasɛm mu sɛ mmabunu nya nimdeɛ ne nhyehyɛeɛ a ɛfata.
Nanso, sɛ saa nhyehyɛeɛ yi bɛyɛ adwuma yie a, ɛhia sɛ adesua nneɛma no yɛ mmerɛ ma mmofra ahorow, ɛyɛ nokware, na ɛfa wɔn daadaa asetena ne wɔn mfeɛ ho.
Akyerɛkyerɛfoɔ Bɛnya Dwumadie Kɛseɛ
Akyerɛkyerɛfoɔ bɛyɛ nnipa a wɔwɔ dwumadie kɛseɛ wɔ nhyehyɛeɛ yi mu. Sɛ wɔde Sharia financial literacy nneɛma ba sukuu mu a, akyerɛkyerɛfoɔ na wɔbɛboa adesuafoɔ ama wɔate financial concepts no ase.
Ɛno nti, ɛho bɛhia sɛ wɔma akyerɛkyerɛfoɔ nso nya orientation ne training a ɛfa nneɛma a wɔde bɛkyerɛ adesuafoɔ no ho. Sɛ ɔkyerɛkyerɛfoɔ te asɛm no ase yie a, ɔbɛtumi akyerɛkyerɛ no wɔ ɔkwan a ɛyɛ mmerɛ na ɛfa ɔsuafoɔ asetena ho.
Wɔbɛtumi de nsɛm te sɛ savings, budgeting, financial planning, business, investment ne financial protection ayɛ adesua. Wɔde nhwɛsoɔ a ɛfata adesuafoɔ mfeɛ bɛkyerɛkyerɛ wɔn sɛnea wɔde financial principles no di dwuma.
Ɔman No Mu Nnipa Nyinaa Betumi Anya Kwan
Adeɛ a ɛda adi wɔ apam no mu ne sɛ nhyehyɛeɛ no nyɛ ma sukuufoɔ nko ara. Nneɛma a OJK ne Kemendikdasmen bɛboa ma wɔayɛ no bɛtumi anya ɔmanfoɔ nso.
Sɛ wɔde nneɛma no gu Rumah Pendidikan so kwa a, ɛbɛtumi ama awofoɔ, akyerɛkyerɛfoɔ, adesuafoɔ ne nnipa foforɔ a wɔn ani gye sikasɛm ho anya kwan akɔ so asua.
Awofoɔ nso betumi de saa nneɛma no ayɛ wɔn mma sikasɛm ho nkyerɛkyerɛ wɔ fie. Saa kwan yi betumi ama financial literacy ayɛ biribi a ɛnyɛ sukuu mu adesua nko ara, na mmom ɛyɛ abusua no daadaa asetena mu adeɛ.
Nsonsonoeɛ No So Da So Yɛ Asɛnnennen
Ɛwom sɛ Sharia financial literacy level a wɔkaa ho asɛm no adu ɔha mu nkyem 43 deɛ, nanso inclusion level a ɛyɛ ɔha mu nkyem 13.24 no kyerɛ sɛ da so ara wɔ asɛnnennen.
Ɛno nti, education nkutoo rentumi nwie asɛnnennen no nyinaa. Ɛhia sɛ nnipa nya financial services a ɛyɛ accessible, ɛfata wɔn ahiadeɛ, na wɔte terms ne conditions a ɛka ho ase.
Sɛ obi wɔ financial literacy nanso financial services no nyɛ nea ɛwɔ ne mpɔtam hɔ anaa ɛyɛ den sɛ ɔbɛnya kwan akɔ mu a, nimdeɛ no nkutoo rentumi nsesa ne financial behaviour.
Enti, MoU no yɛ ɔkwan baako wɔ nhyehyɛeɛ kɛseɛ a ɛfa financial literacy ne inclusion ho. Education no bɛma nnipa anya nimdeɛ, bere a financial sector no nso hia sɛ ɛyɛ accessible ma nnipa a wɔwɔ ahiadeɛ ahorow.
Okyinnsorɔfoɔ Ne Mmabunu Bɛtumi Anya Mfasoɔ
Sɛ nhyehyɛeɛ no kɔ so sɛnea wɔayɛ no ho nhyehyɛeɛ a, adesuafoɔ a wɔwɔ mfitiaseɛ ne ntoasoɔ sukuu mu bɛnya Sharia financial education resources a wɔbɛtumi de adi dwuma wɔ wɔn adesua mu.
Wɔbɛtumi asua sɛnea wɔyɛ financial planning, sɛnea wɔhwɛ sika so, ne sɛnea wɔyɛ nhyehyɛeɛ ma daakye. Saa nimdeɛ no betumi ayɛ mfasoɔ ama wɔn bere a wɔrekɔ sukuu kɛseɛ mu, wɔrehwehwɛ adwuma, anaa wɔpɛ sɛ wɔhyɛ wɔn ankasa business ase.
Nimdeɛ a wɔnya no ntɛm no nso betumi ama wɔanya nteaseɛ wɔ financial decisions ho. Ɛbɛtumi ama wɔahu sɛ financial decision biara wɔ nea ɛde ba ne asɛyɛdeɛ a ɛka ho.
Indonesia Pɛ sɛ Ɔhyɛ Sharia Sikasɛm Mu Nimdeɛ Den
Kemendikdasmen ne OJK MoU no yɛ adeɛ foforɔ a Indonesia de rehyɛ Sharia financial literacy ne inclusion mu den. Wɔde sukuu ayɛ baabi a wɔbɛhyɛ saa nimdeɛ no ase, efisɛ ɛhɔ na mmofra ne mmabunu nya education a wɔde bɛsi wɔn daakye so.
Wɔhwɛ kwan sɛ nneɛma a OJK animdefoɔ bɛsiesie no bɛboa ma adesuafoɔ anya nteaseɛ a ɛyɛ pɛpɛɛpɛ wɔ Sharia financial concepts ho. Wɔbɛsan de digital platform no adi dwuma sɛ ɔkwan a wɔde bɛma ɔmanfoɔ anya nneɛma no.
Apam no nso kyerɛ sɛ aban ne financial regulator no pɛ sɛ wɔyɛ adwuma bom wɔ financial education mu. Sɛ saa nkabom no kɔ so yie a, ɛbɛtumi ama financial literacy ayɛ ɔman no educational system no fã kɛseɛ.
Awieeɛ
Kemendikdasmen ne OJK apam a wɔyɛɛ wɔ ISFO 2026 awieeɛ no yɛ nhyehyɛeɛ a ɛde Sharia financial literacy bɛba sukuu mu kɛse. Wɔbɛyɛ adesua nneɛma a OJK animdefoɔ bɛboa ama wɔayɛ, na wɔama adesuafoɔ ne ɔmanfoɔ kwan sɛ wɔtwe saa nneɛma no kwa wɔ Rumah Pendidikan so.
Aban no hwɛ kwan sɛ saa nhyehyɛeɛ yi bɛma mmofra ne mmabunu anya sikasɛm ho nimdeɛ fi wɔn mmofraase. OJK nso pɛ sɛ wɔyɛ financial literacy no wɔ ɔkwan a ɛyɛ nhyehyɛeɛ na ɛkɔ so fi mfitiaseɛ sukuu kɔ ntoasoɔ sukuu mu.
Nɔma a wɔde too gua no kyerɛ sɛ Sharia financial literacy ne financial inclusion ntam da so ara wɔ nsonsonoeɛ. Sɛnea Ferry Juliantono kaa no, literacy level no yɛ ɔha mu nkyem 43, bere a inclusion no yɛ ɔha mu nkyem 13.24.
Enti, nhyehyɛeɛ foforɔ no botaeɛ nyɛ sɛ wɔbɛma nnipa ate Sharia financial system ho asɛm nko ara. Wɔpɛ sɛ wɔboa ma nimdeɛ no tumi dane adeɛ a nnipa de di dwuma wɔ wɔn daadaa asetena, wɔn sikasɛm ne wɔn daakye nhyehyɛeɛ mu.
ISFO 2026 nso kyerɛɛ sɛ anigyeɛ wɔ saa asɛm yi ho rekɔ so. Nnipa bɛboro 11,952 na wɔde wɔn ho hyɛɛ dwumadie no mu, na ɛyɛ nkɔanim a ɛyɛ ɔha mu nkyem 15 sɛ wɔde toto afe a atwam no ho a.
Sɛ Kemendikdasmen, OJK, akyerɛkyerɛfoɔ ne sukuufoɔ tumi di saa nhyehyɛeɛ yi ho dwuma yie a, ɛbɛma financial education anya gyinabea kɛseɛ wɔ Indonesia sukuu nhyehyɛeɛ mu. Saa kwan no nso betumi aboa ma daakye mmabunu anya nimdeɛ a ɛbɛboa wɔn wɔ wɔn ankorankorɛ sikasɛm, adwuma ne business nhyehyɛeɛ mu.
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