فکر بنیانبانک مقالات روان‌شناسی

financial vulnerability

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Strengthening Critical Reasoning and Sharia Financial Literacy of Vocational High School Students through Problem-Based Learning in Muamalah Fiqh Learning on Digital Economy Issues

Ilham Baharudin Riziq; Septi Gumiandari International Journal of Educational Research & Social Sciences, 2026, Vol. 7, Issue 5, pp. 853-862 https://doi.org/10.51601/ijersc.v7i5.1120

چکیده

The massive penetration of digital transactions among adolescents presents real financial vulnerability due to low understanding of Islamic economic contracts and ethics. Conventional fiqh learning is often isolated in textual normative memorization without honing students' critical reasoning skills against contemporary realities. This study aims to comprehensively analyze the implementation of the Problem-Based Learning (PBL) model in the learning of Fiqh Muamalah and its impact on strengthening students' critical reasoning and sharia financial literacy on digital economy issues. The research design adopts a qualitative approach with a bounded system case study at SMK Darul Musyawirin Cirebon. The research participants include Fiqh Muamalah teachers, vice principals for curriculum, and grade XI students who are directly involved in the learning cycle. Data collection was carried out through semi-structured in-depth interviews, classroom participatory observations, and review of learning portfolio documentation. Data analysis was carried out cyclically through an interactive model of open coding-based data reduction, presentation of thematic matrix data, and conclusion drawing and verification that were validated through source triangulation, member check, and trail audit. The results of the study revealed that organizing learning through the stages of authentic problem orientation (such as paylater, online loans, and digital investment), legal literature investigation, intergroup discussion-rebuttal dialectic, and value reflection succeeded in transforming students' mindsets from textual-reproductive reasoning to contextual-analytic based on postulates. Students showed a surge in competence in distinguishing murabahah margins from time-based interest, identifying the elements of riba, gharar, and maisir, and compiling simple legal arguments of istinbath al-ahkam. In addition, the structural understanding was internalized into behavioral financial literacy that encourages transaction prudence and verification of sharia legality. This instructional model proves that the integration of real issues of the digital economy into the PBL syntax effectively bridges classical fiqh doctrine with modern challenges, while offering a transformative pedagogical framework for vocational Islamic education curriculum.

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The Emotional Landscape of Money Management and Cognitive Decline: A Therapeutic Jurisprudence Perspective

چشم‌انداز عاطفی مدیریت مالی و افت شناختی: رویکرد حقوق درمان‌محور

Nicola Thomas International Journal of Mental Health and Capacity Law, 2026, Issue 31, pp. 4-27 https://doi.org/10.19164/ijmhcl.31.1684

چکیده

The ability to manage one's finances is fundamental to independent living, personal autonomy, and overall well-being, particularly for older adults. However, cognitive decline poses a significant threat to this capacity, with profound emotional and psychosocial ramifications for older adults, their families, and the professionals who support them. While legal frameworks like the Mental Capacity Act 2005 (MCA) in England and Wales aim to address these challenges, this article argues that a therapeutic jurisprudence (TJ) perspective offers a crucial lens for understanding and improving outcomes. Drawing upon existing literature in gerontology, neuropsychology, law, and therapeutic jurisprudence, this article considers the complex interplay between cognitive decline, the legal concept of mental capacity in financial decision-making, and emotional well-being. It critiques the potential limitations of purely cognitive or legalistic approaches and advocates for the integration of TJ principles – focusing on psychological well-being, recognising the proactive role of legal actors, and adopting a systemic perspective – to create more humane, effective, and empowering support systems for older adults facing financial vulnerability due to cognitive decline.

توانایی مدیریت امور مالی برای زندگی مستقل، خودمختاری فردی و بهزیستی کلی، به‌ویژه در سالمندان، بنیادی است. با این حال، افت شناختی تهدیدی جدی برای این ظرفیت محسوب می‌شود و پیامدهای عاطفی و روانی-اجتماعی عمیقی برای سالمندان، خانواده‌های آنان و متخصصانی که از آن‌ها حمایت می‌کنند به همراه دارد. اگرچه چارچوب‌های حقوقی مانند قانون ظرفیت ذهنی ۲۰۰۵ (Mental Capacity Act 2005) در انگلستان و ولز با هدف مواجهه با این چالش‌ها تدوین شده‌اند، این مقاله استدلال می‌کند که رویکرد حقوق درمان‌محور (therapeutic jurisprudence) دیدگاهی اساسی برای فهم و بهبود پیامدها ارائه می‌دهد. با بهره‌گیری از ادبیات موجود در حوزه‌های سالمندی، عصب‌روان‌شناسی، حقوق و حقوق درمان‌محور، این مقاله به بررسی تعامل پیچیده میان افت شناختی، مفهوم حقوقی ظرفیت ذهنی در تصمیم‌گیری مالی و بهزیستی عاطفی می‌پردازد. همچنین، محدودیت‌های بالقوه رویکردهای صرفاً شناختی یا حقوقی را نقد کرده و بر ادغام اصول حقوق درمان‌محور — با تمرکز بر بهزیستی روان‌شناختی، شناسایی نقش فعال کنشگران حقوقی و اتخاذ دیدگاه نظام‌مند — برای ایجاد نظام‌های حمایتی انسانی‌تر، مؤثرتر و توانمندساز برای سالمندانی که به دلیل افت شناختی در معرض آسیب‌پذیری مالی قرار دارند، تأکید می‌کند.

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