The Muamalat Interactive Game (MIG):
Learn Finance the Fun Way

Master Islamic finance. Make better decisions. Give with purpose.

Introducing the Muamalat Interactive Game (MIG) — an award-winning educational board game that transforms complex Islamic financial concepts into an exciting hands-on experience.

Developed by USIM and tested by educators and students nationwide, MIG brings muamalat to life. From Shariah-compliant investments to charitable giving, players learn how to manage wealth ethically — all while having fun.

Whether you’re an educator, student, or Islamic finance enthusiast, MIG makes learning meaningful and memorable.

Let’s Play

The Muamalat Interactive Game (MIG) is a serious-board-game innovation developed by Universiti Sains Islam Malaysia (USIM), designed to teach Islamic financial literacy through an immersive, experiential learning experience.

🎯 Purpose & Objectives

  • Experiential Learning
    Players experience Shariah‑compliant financial operations—such as Islamic banking, investment vehicles, and philanthropy—by personally engaging in simulated transactions.

  • Balanced Wealth & Community Focus
    The game emphasizes inclusive economic development, encouraging players to balance personal wealth accumulation with community giving (via sadaqah and waqf)

  • Personal Finance Skills
    Players practice budgeting, tracking cash flow, managing debt, calculating zakat, and determining net wealth.

    🧩 Game Mechanics

    • Shariah-Compliant Contracts
      Transaction contracts mirror real Islamic financial instruments: murabahah, tawarruq, ijarah, rahnu, musharakah mutanaqisah, credit cards, etc. ijbel.com.

    • Role-Based Play
      Players assume roles such as lump-sum investors, borrowers, or bankers, engaging in alternating roles to purchase assets, manage finance, and contribute to community funds.

    • Donations & Endowments
      Progress is linked to giving—sadaqah and waqf through the “Sadaqah House”—reflecting philanthropic impact along with financial growth youtube.com+4facebook.com+4shopee.com.my+4facebook.com+3m-hikari.com+3usim.edu.my+3.

    🏆 Development Process & Validation

    Stage Activities
    Concept & Creation Led by Dr Syahidawati Shahwan and a cross-disciplinary team at USIMyoutube.com+7usim.edu.my+7ijbel.com+7
    Shariah Validation Reviewed by USIM’s fiqh experts and Islamic finance practitioners
    Pedagogical Review Evaluated by educators from Universiti Pendidikan Sultan Idris for game-based learning effectiveness
    Pilot Studies – Staff of Yayasan Inovasi Malaysia tested playability and usability

    📊 Learning Outcomes

    A published study involving university students (Generation Y) showed statistically significant gains in understanding of Islamic finance contracts and personal financial management after gameplay youtube.com+3ijbel.com+3m-hikari.com+3.

    • Improved awareness of murabahah, tawarruq, istisna’, ijarah, rahnu, and credit card mechanisms

    • Enhanced ability in budgeting, zakat calculation, and ethical financial decision-making

    This video from USIM introduces MIG’s gameplay and impact in educational settings.

    🌟 Why It’s Valuable

    MIG combines ethical principles with financial literacy, promoting:

    • Cognitive development: Understanding contracts and budgeting

    • Affective growth: Instilling charity and community welfare

    • Technical skills: Cash tracking, debt management, modal calculation

    It stands out as one of the first board games globally dedicated to Islamic muamalat educationjmifr.usim.edu.my+13ijbel.com+13usim.edu.my+13m-hikari.com+1usim.edu.my+1.

🎯 Purpose & Objectives

  • Experiential Learning

    Players experience Shariah‑compliant financial operations—such as Islamic banking, investment vehicles, and philanthropy—by personally engaging in simulated transactions.

  • Balanced Wealth & Community Focus

    The game emphasizes inclusive economic development, encouraging players to balance personal wealth accumulation with community giving (via sadaqah and waqf).

  • Personal Finance Skills

    Players practice budgeting, tracking cash flow, managing debt, calculating zakat, and determining net wealth.

🌟 Why It’s Valuable

MIG combines ethical principles with financial literacy, promoting:

  • Cognitive development: Understanding contracts and budgeting

  • Affective growth: Instilling charity and community welfare

  • Technical skills: Cash tracking, debt management, modal calculation

It stands out as one of the first board games globally dedicated to Islamic muamalat education

✅ Ideal Users

  • Students (secondary, tertiary) in Islamic finance curricula

  • Educators integrating gamified learning experiences

  • Islamic banking institutions seeking engaging training tools

In summary, MIG is a thoughtfully designed educational tool that merges Shariah‑based financial practices with interactive gameplay. It fosters not only technical finance skills but also ethical values essential for holistic personal finance.

Muamalat Interactive Game (MIG)

Developer Universiti Sains Islam Malaysia
Innovators
  • Assoc. Prof. Dr. Syahidawati Hj. Shahwan
  • Prof. Dr. Zurina Shafii
  • Assoc. Prof. Dr. Norhazlina Ibrahim
  • Dr. Safeza Mohd Sapian
  • Mrs. Kasumalinda Alwi
  • Mrs. Halizah Md Arif
Released 2016
Genre Educational, Islamic Finance
Players 2-6
Setup Time 5-10 minutes
Playing Time 45-90 minutes
Age Range 13+
Skills Islamic Finance, Zakat, Strategy, Budgeting
Patent An Interactive Islamic Financial Management Apparatus

Registered with MyIPO (Malaysia Intellectual Property Organization)