Cross-Sector Collaboration in Economics, Islamic Law, and Education for Sharia Financial Inclusion A 2026 Policy Review

This study is motivated by the growing emphasis on Islamic economics and finance as a strategic pillar of Indonesia’s national development, which necessitates integrated cross-sector policies encompassing economics, Islamic law, and Islamic education. The primary objective of this research is to assess the level of policy integration, identify institutional coordination mechanisms, and analyze their impact on Islamic financial literacy and inclusion. This study employs a mixed-methods approach with a multi-level case study design, combining qualitative data from interviews and focus group discussions with quantitative data obtained through surveys of Islamic economics students and pesantren-based MSME actors. The findings indicate that policy integration is at a moderate yet improving level and demonstrates a positive relationship with enhanced Islamic financial literacy and inclusion, although challenges persist in institutional coordination and implementation gaps at the operational level. This study contributes by developing a comprehensive cross-sector policy integration model and offers practical implications for strengthening institutional synergy in advancing broader and more sustainable Islamic financial inclusion.