Reconstructing Qur'anic Ethics for Moral-Financial Resilience

The QANAFIN Framework Based on QS. Al-Furqan (25):67

Abstract

Purpose – The rapid expansion of Buy Now, Pay Later (BNPL) services and online lending has transformed the financial behavior of Muslim Generation Z, increasing the risks of impulsive consumption, excessive indebtedness, and weakened financial self-control. This study aims to reconstruct the concept of moral-financial resilience based on the ethical values of QS. Al-Furqān (25): 67 by developing QANAFIN (Qanaah Financial Detox) as a Qur’anic framework for promoting responsible financial behavior in the digital economy. Design/methodology/approach – This study employs a qualitative library-based research design using thematic Qur’anic interpretation (tafsīr mawḍū‘ī) and literature review methods. QS. Al-Furqān (25): 67 serves as the primary source and is analyzed through content analysis by synthesizing classical and contemporary Qur’anic exegeses. The interpretive findings are then integrated with interdisciplinary literature on digital finance, consumer behavior, financial self-control, and Islamic financial ethics to construct a conceptual framework. Findings – The study identifies five core Qur’anic values embedded in QS. Al-Furqān (25): 67—qana‘ah (contentment), moderation, self-evaluation, ethical debt management, and anti-wastefulness—which collectively form the foundation of moral-financial resilience for Muslim Generation Z. These principles are operationalized through the QANAFIN framework, consisting of three complementary components: the 30-Day Qur’anic Financial Detox, QANAFIN Care, and the QANAFIN Digital Companion. Together, these components provide an integrated model for financial education, behavioral guidance, and the cultivation of sustainable financial discipline in the digital era. Research implications/limitations – The proposed framework is conceptual and has not yet been empirically validated. Future studies should evaluate its effectiveness through quantitative, experimental, or mixed-method research involving Muslim youth across diverse socio-economic and cultural contexts. Originality/value – This study contributes to contemporary Qur’anic studies and Islamic financial ethics by reconstructing QS. Al-Furqān (25): 67 into an innovative moral-financial resilience framework that bridges thematic Qur’anic interpretation with the challenges of digital finance. It introduces QANAFIN as a novel conceptual model for integrating Qur’anic values into financial literacy and behavioral interventions for Muslim Generation Z.