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All Journal Community Development Journal Al-MIKRAJ: Jurnal studi Islam dan Humaniora
Agus Suaidi Hasan
Universitas Sunan Gresik
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Optimaslisasi Penghimpunan dan Penguatan Literasi Wakaf Tunai Melalui Peranan Penyuluh Agama Agus Suaidi Hasan
AL-MIKRAJ Jurnal Studi Islam dan Humaniora (E-ISSN 2745-4584) Vol. 6 No. 1: AL-Mikraj Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v6i1.8892

Abstract

Waqf is an Islamic social financial instrument with significant potential for development. Cash waqf is a powerful tool that bridges social gaps. By leveraging the potential of waqf, economic development can proceed smoothly. Indonesia, as the largest Muslim country and one of the most generous in the world, fully understands this. It is inevitable that waqf becomes a potential that must be maximized. However, in reality, this potential still falls short of expectations. This is based on various factors that motivate waqf, including religiosity, comfort, and literacy. Therefore, innovation is needed to optimally collect waqf funds. This study used a qualitative approach with a literature study method, with data obtained from interviews, electronic media, books, and journals. The results of the study include the development of a collection model through the role of religious instructors as the spearhead of agencies collecting waqf funds and providing understanding or literacy about cash waqf.
Sharia Financial Literacy Training as an Effort to Prevent Online Lending among Dormitory Students at Sunan Gresik University Dimas Rozaki; Agus Suaidi Hasan; Syasya Khoirin Nisa'
Community Development Journal Vol 10 No 2 (2026): Community Development Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/cdj.v10i2.9087

Abstract

The rapid expansion of digital financial services has increased access to online lending while simultaneously exposing university students to greater financial risks due to limited financial literacy. Students living in dormitories are particularly vulnerable because they manage their personal finances independently with limited financial resources. This community service program aimed to enhance Islamic financial literacy as a preventive strategy against online loan usage among students residing at the Universitas Sunan Gresik dormitory. The program was conducted in collaboration with the Dormitory Management and involved 30 students from various study programs. An educational, participatory, and empowerment-based approach was implemented through five stages: pre-test, Islamic financial literacy training, education on online loan risks, budgeting practice using the Sharia-Based Student Budget Template, and post-test. Participants' knowledge was assessed using a ten-item multiple-choice questionnaire, while budgeting skills were evaluated through practical exercises and observation. The results showed a significant improvement in participants' knowledge, with the average score increasing from 39.3 in the pre-test to 87.0 in the post-test, achieving a Normalized Gain (N-Gain) of 0.79, which indicates high training effectiveness. The proportion of correct answers increased from 23.3–53.3% before the intervention to 73.3–96.7% afterward. Participants also demonstrated improved ability to prepare personal budgets, prioritize expenditures, and understand the risks associated with online loans. In conclusion, integrating Islamic financial literacy education with practical budgeting exercises effectively improved participants' financial knowledge and budgeting skills while promoting more responsible financial behavior. This training model can serve as a practical approach to strengthening students' financial independence and preventing dependence on online loans.
Co-Authors Dimas Rozaki Syasya Khoirin Nisa'