M.E.R.D.E.K.A.: Model Pemulihan Finansial Alkitabiah

Sumber Alkitab

• Lembaga Alkitab Indonesia. (2013). Alkitab Terjemahan Baru Edisi Kedua. Lembaga Alkitab Indonesia.

Sumber Data dan Statistik

• Bank Indonesia. (2025, June 18). Kredit perbankan kepada sektor rumah tangga April 2025. Bisnis.com. https://finansial.bisnis.com/read/20250618/90/1872045/bi-kredit-perbankan-ke-rumah-tangga-tumbuh-754-persen-pada-april-2025

• Bank Indonesia. (2025). Statistik sistem keuangan Indonesia — Kredit perbankan kepada sektor rumah tangga. Bank Indonesia.

• Indonesia Anti-Scam Centre (IASC). (2025). Laporan penipuan digital semester I 2025. Otoritas Jasa Keuangan.

• Jakpat. (2025, July 18). Indonesia fintech trends – 1st semester of 2025. Databoks (Katadata.co.id). https://databoks.katadata.co.id/teknologi-telekomunikasi/20250718/31-pengguna-pernah-memakai-paylater-pinjol-semakin-diminati

• Jakpat. (2026, February 10). Jenis layanan fintech yang banyak dipakai warga RI pada 2025. Databoks (Katadata.co.id). https://databoks.katadata.co.id/teknologi-telekomunikasi/20260210/jenis-layanan-fintech-yang-banyak-dipakai-warga-ri-pada-2025

• Kementerian Sosial Republik Indonesia. (2025). Data terpadu kesejahteraan sosial (DTKS) 2025. Kemensos.

• Otoritas Jasa Keuangan. (2022). *POJK Nomor 10/POJK.05/2022 tentang layanan pendanaan bersama berbasis teknologi informasi*. Otoritas Jasa Keuangan.

• Otoritas Jasa Keuangan. (2025). Laporan tahunan OJK 2025: Perlindungan konsumen dan pemberantasan aktivitas keuangan ilegal. Otoritas Jasa Keuangan.

• Otoritas Jasa Keuangan. (2025, May 2). Hasil SNLIK 2025: Literasi dan inklusi keuangan nonbank masih tertinggal dari perbankan. Bisnis.com. https://finansial.bisnis.com/read/20250502/90/1857394/hasil-snlik-2025-literasi-dan-inklusi-keuangan-nonbank-masih-tertinggal-dari-perbankan

• Otoritas Jasa Keuangan. (2025, July 21). Kredit konsumen bermasalah meningkat pada kuartal I 2025. Databoks (Katadata.co.id). https://databoks.katadata.co.id/keuangan/20250721/kredit-konsumen-bermasalah-meningkat-pada-kuartal-i-2025

• Otoritas Jasa Keuangan. (2025, October 23). Siaran pers: OJK dorong peningkatan literasi keuangan generasi muda. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-Dorong-Peningkatan-Literasi-Keuangan-Generasi-Muda.aspx

• Otoritas Jasa Keuangan. (2025). Statistik perbankan Indonesia – Agustus 2025. Otoritas Jasa Keuangan.

• Otoritas Jasa Keuangan. (2026). Statistik fintech peer to peer lending – Februari 2026. Otoritas Jasa Keuangan.

• Otoritas Jasa Keuangan. (2026). Statistik perbankan Indonesia – Februari 2026. Otoritas Jasa Keuangan.

• Satuan Tugas Waspada Investasi. (2025, January 14). Press release hasil rapat koordinasi Satgas SWI. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Satgas-Waspada-Investasi-Temukan-654-Pinjol-Ilegal-dan-20-Entitas-Investasi-Tanpa-Izin.aspx

Buku dan Referensi Teologis

• Alcorn, R. (2003). Money, possessions, and eternity (Rev. ed.). Tyndale House Publishers.

• Augsburger, D. W. (2012). Pastoral counseling across cultures. Westminster John Knox Press.

• Baker, J., & Baker, J. (2014). The Celebrate Recovery leader’s guide. Zondervan.

• Brown, F., Driver, S. R., & Briggs, C. A. (1906). A Hebrew and English lexicon of the Old Testament. Clarendon Press.

• Carson, D. A. (1991). The Gospel according to John. Eerdmans.

• Chan, S. (2006). Pentecostal theology and the Christian spiritual tradition. Wipf & Stock.

• Clinebell, H. (2011). Basic types of pastoral care & counseling: Resources for the ministry of healing and growth (3rd ed.). Abingdon Press.

• Constable, T. L. (n.d.). Dr. Constable’s expository notes — 2 Kings 4. Blue Letter Bible. Retrieved April 25, 2026, from https://www.blueletterbible.org/Comm/constable_dr/2Kings/2Kings_004.cfm

• Fee, G. D. (1995). Paul’s letter to the Philippians. Eerdmans.

• Fee, G. D., & Stuart, D. (2014). How to read the Bible for all its worth (4th ed.). Zondervan.

• Henry, M. (n.d.). Matthew Henry’s concise Bible commentary. Sacred-texts.com. https://www.sacred-texts.com/bib/cmt/henry/2kg04.htm

• Hesselgrave, D. J., & Rommen, E. (2000). Contextualization: Meanings, methods, and models. William Carey Library.

• Hooker, M. B. (2008). Indonesian Syariah: Defining a national school of Islamic law. ISEAS.

• Jamieson, R., Fausset, A. R., & Brown, D. (n.d.). Commentary on 2 Kings 4. Blue Letter Bible. Retrieved April 25, 2026, from https://www.blueletterbible.org/Comm/jfb/2Ki/2Ki_004.cfm

• Jones, D. W., & Woodbridge, R. S. (2011). Health, wealth & happiness: Has the prosperity gospel overshadowed the gospel of Christ? Kregel.

• Koehler, L., & Baumgartner, W. (2001). The Hebrew and Aramaic lexicon of the Old Testament. Brill.

• Lartey, E. Y. (2003). In living color: An intercultural approach to pastoral care and counseling. Jessica Kingsley Publishers.

• Maxwell, J. C. (2018). The 21 irrefutable laws of leadership (25th anniversary ed.). HarperCollins Leadership.

• Mounce, W. D. (2006). Mounce’s complete expository dictionary of Old and New Testament words. Zondervan.

• Ramsey, D. (2013). The total money makeover: A proven plan for financial fitness. Thomas Nelson.

• Ramsey, D. (2014). The legacy journey. Thomas Nelson.

• Wright, C. J. H. (1990). God’s people in God’s land. Eerdmans.

• Yoder, J. H. (1972). The politics of Jesus. Eerdmans.

• Yunus, M. (2007). Banker to the poor: Micro-lending and the battle against world poverty. PublicAffairs.

Artikel Jurnal dan Prosiding

• Halley, J. J., & Durband, D. B. (2011). Financial counseling and financial literacy: A review of the literature. Journal of Financial Counseling and Planning, 22(1), 3-18.

• King, D. P., Sampson, M., & Fulton, B. R. (2025). Exploring theologies of money: Religious leaders’ use of stewardship, its strengths, and limitations. Religions, 16(7), 866. https://doi.org/10.3390/rel16070866

• Sipos, Z., et al. (2020). Outcome studies in the field of pastoral counselling: A focused review of research published between 1990 and 2020. *Studia Universitatis Babes-Bolyai Theologia Reformata Transylvanica, 70*, 123-145.

• Tim Penulis. (2025). *Laporan Program M.E.R.D.E.K.A. Pilot (2024-2025)* [Laporan internal, arsip digital].

• Wibiksono, T. (2020). Kajian biblika tentang hutang finansial. Mathetes: Jurnal Teologi dan Pendidikan Kristen, 1(2), 119-130.

• Yobel. (2021). Studi kebebasan finansial alkitabiah [Laporan riset, arsip digital].

• (2025). [Studi tentang financial stress pada pasangan menikah]. Jurnal Psikologi Keluarga Indonesia, 6(1), 45-58.

• (2025). [Wawancara mendalam dengan konselor pastoral]. Dalam Tim Penulis, *Laporan Program M.E.R.D.E.K.A. Pilot (2024-2025)* (hlm. 23-24). [Arsip digital].

Sumber Daring (Website, Blog, Platform Digital)

• Acton Institute. (2010, May). Good financial stewardship part of God’s economy. Religion & Liberty, 7(4). https://www.acton.org/religion-liberty/volume-7-number-4/good-financial-stewardship-part-gods-economy

• Crossing Cultures International (CCI). (2025). Testimony Tuesday — A Crown partner in Indonesia. Crown Financial Ministries. https://www.crown.org/crown-partners/crossing-cultures-international

• Crown Financial Ministries. (2018). Day 12: Debt payoff plan. https://www.crown.org/tools/day-12-debt-payoff-plan

• Crown Financial Ministries. (2020). Ask Chuck: Is it sinful to be in debt? https://www.crown.org/ask-chuck/is-it-sinful-to-be-in-debt

• Crown Financial Ministries. (2021). Ask Chuck: Getting debt free. https://www.crown.org/ask-chuck/getting-debt-free

• Crown Financial Ministries. (2022). You need a budget – Part 3. https://www.crown.org/tools/budget-part-3

• Crown Financial Ministries. (n.d.). Pay off that debt! https://www.crown.org/radio/pay-off-that-debt

• Crown Financial Ministries. (n.d.). Stewardship objective: Freedom from debt, freedom to serve. Crosswalk.com. https://www.crosswalk.com/family/finances/stewardship-objective-freedom-from-debt-freedom-to-serve.html

• Good Sense Movement. (2023). Retiring debt wisely. https://www.goodsensemovement.org/retiring-debt-wisely

• Kamus Besar Bahasa Indonesia Daring. (n.d.). Merdeka. https://kbbi.kemdikbud.go.id/entri/merdeka

• Otoritas Jasa Keuangan. (n.d.). Daftar lembaga konsultan keuangan terdaftar. https://www.ojk.go.id

• Otoritas Jasa Keuangan. (n.d.). Kontak 157: Layanan pengaduan konsumen. https://kontak157.ojk.go.id

• Otoritas Jasa Keuangan. (2025). Siaran pers: Waspada investasi bodong pasca pandemi. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Waspada-Investasi-Bodong-Pasca-Pandemi.aspx

• Otoritas Jasa Keuangan. (2025, May 2). Hasil SNLIK 2025: Literasi dan inklusi keuangan nonbank masih tertinggal dari perbankan. Bisnis.com. https://finansial.bisnis.com/read/20250502/90/1857394/hasil-snlik-2025-literasi-dan-inklusi-keuangan-nonbank-masih-tertinggal-dari-perbankan

• Otoritas Jasa Keuangan. (2025, October 23). Siaran pers: OJK dorong peningkatan literasi keuangan generasi muda. https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/OJK-Dorong-Peningkatan-Literasi-Keuangan-Generasi-Muda.aspx

• Otoritas Jasa Keuangan. (n.d.). Lapor pinjol ilegal – Waspada investasi. https://www.ojk.go.id/waspada-investasi

• Ramsey Solutions. (2026). How the debt snowball method works. https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works

• Ramsey Solutions. (2025). Your top 5 debt snowball questions answered. https://www.ramseysolutions.com/debt/top-debt-snowball-questions

• SABDA.org. (n.d.). Tafsiran/Catatan — 2 Kings 4. https://alkitab.sabda.org/passage.php?passage=2raj+4

• Theology of Work Project. (n.d.). Elisha’s restoration of a household’s financial solvency (2 Kings 4:1-7). Biblegateway.com. https://www.biblegateway.com

Lembaga dan Organisasi

• Baznas. (n.d.). Badan Amil Zakat Nasional. https://baznas.go.id

• DT Peduli. (n.d.). Dompet Dhuafa Peduli. https://dtpeduli.org

• Komnas Perempuan. (2025). Panduan penanganan kekerasan ekonomi dalam rumah tangga. Komnas Perempuan.

• Komnas Perempuan. (2026). Rapor kekerasan ekonomi dalam rumah tangga 2025. Komnas Perempuan.

Peraturan Perundang-undangan

• Peraturan Menteri Kesehatan Republik Indonesia Nomor 3 Tahun 2023 tentang Perubahan atas Peraturan Menteri Kesehatan Nomor 28 Tahun 2014 tentang Pedoman Pelaksanaan Program Jaminan Kesehatan Nasional (PBJS Kesehatan), Pasal 45.