THE SITUATION, PROBLEMS, AND NEEDS IN DEVELOPING FINANCIAL LITERACY THROUGH COMMUNITY-BASED APPROACHES AMONG MUSLIM YOUTH AT THE LEARNING PROMOTION CENTERIN SAI BURI DISTRICT, PATTANI PROVINCE

Abstract

This research aimed to qualitative research article. It aims to study the situation, problems, and needs in developing financial literacy by the community for Muslim youth in the Sai Buri District Learning Promotion Center, Pattani Province. The population used in the research is administrators, teachers, academics, parents, communities/community leaders, religious leaders, alumni, and students in the Sai Buri District Learning Promotion Center, totaling 34 people, by semi-structured interview method. The quality of the research instrument was evaluated by three experts, and the Index of Item-Objective Congruence (IOC) was 0.80 The findings reveal three major themes. Situation: Muslim youth demonstrate limited financial knowledge, especially regarding Islamic financial concepts. Many youths lack awareness of financial planning, are influenced by consumerist values from media and peers, and exhibit behaviors such as impulsive spending, insufficient saving discipline, and vulnerability to online loan schemes. Problems: Challenges include the absence of integrated curricula that combine financial knowledge with Islamic teachings, inadequate family and community role models, and risky financial attitudes and behaviors such as unplanned borrowing and prioritizing consumption over savings. Structural limitations at learning centers, such as insufficient resources and lack of trained personnel in Islamic finance, further hinder financial literacy development. Needs: Youth express the need for financial knowledge aligned with Islamic principles and local lifestyles, development of positive financial attitudes grounded in religious virtues such as honesty, moderation, and sufficiency, and learning activities that involve hands-on community-based activities connected to religious practices and cultural traditions. These needs reflect a desire for practical learning experiences that can strengthen sustainable financial behavior.