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FinTech as Moral Governance in Islamic Boarding Schools: Evidence from Digital Pocket Money Management among Santri Taufikin Taufikin; Muhammad Shobirin; Muhammad Mujahwirul Ilma; Irma Noviana
JURNAL ISLAM NUSANTARA Vol 9, No 2 (2025)
Publisher : Lembaga Ta'lif wa An-Nasyr (LTN) PBNU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33852/jurnalnu.v9i4.670

Abstract

The objective of this study is to examine the effectiveness of digital student allowance cards in strengthening financial discipline and transparency in Islamic boarding schools. Financial management in Islamic boarding schools has traditionally relied on cash-based systems that are difficult to monitor and prone to inefficiency. This practice creates a mismatch between character education goals and students’ everyday financial behavior. This study employed a quantitative pre-experimental design using a one-group pretest–posttest approach. Data were collected from 50 students through structured questionnaires measuring financial discipline, expenditure control, perceptions of transparency, and monitoring awareness, and analyzed using descriptive statistics and paired difference tests. The findings reveal a significant improvement in students’ financial discipline after the implementation of digital allowance cards. Students demonstrated reduced impulsive spending and greater awareness of spending limits. The system also enhanced students’ ability to plan expenditures more responsibly. In addition, perceptions of transparency and accountability in financial management increased substantially. Monitoring awareness improved as students became more conscious of recorded transactions. These results suggest that digital allowance cards function not merely as administrative instruments but as mechanisms of behavioral regulation. This study contributes to the literature by positioning digital financial systems as tools of moral governance in Islamic education. It recommends that Islamic boarding schools and policymakers integrate technology-based financial systems aligned with the values of character education.
Integrating Local Wisdom In Transformative Islamic Education: A Sustainable Model For Character Development At Madrasah Aliyah Taufikin Taufikin
MISYKAT Jurnal Ilmu-ilmu Al-Quran Hadist Syari ah dan Tarbiyah Vol 10 No 1 (2025): Misykat: Jurnal-ilmu-ilmu Al-Quran, Hadits, Syariah dan Tarbiyah
Publisher : Program Pascasarjana IIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33511/misykat.v10n1.23-34

Abstract

Islamic education in Indonesia faces the challenge of integrating rich local values with more holistic educational goals. This study explores local wisdom's application in transformative Islamic education, focusing on student character development at MAN 1 Kudus and MAN Demak. Using a qualitative approach with a case study design, data were collected through in-depth interviewed to 18 informants, participatory observation and document analysis. The results showed that integrating local values such as unggah-ungguh, guyub, srawung, and nrimo ing pandum has successfully strengthened students' character in social responsibility, tolerance, and spiritual resilience. However, the main challenges in implementation are the diversity of local values in Indonesia and educators' limited understanding of the importance of local wisdom integration. The findings suggest further training for educators and closer collaboration between madrasahs, families and communities. This research contributes to developing local wisdom-based Islamic education models and opens opportunities for further studies on applying similar models in different cultural contexts.