Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Sunan Kalijaga International Journal on Islamic Educational Research
Sarie, Dwi Mutiara
Unknown Affiliation
Education

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Digital Transformation of Student Financial Management Through E-Money: A Case Study at SMAIQu Al-Bahjah Cirebon Novitasari, Kartika; Sulfiani, Sulfiani; Sarie, Dwi Mutiara; Susilawati, Susilawati; Fitria, Faning Maulida
Sunan Kalijaga International Journal on Islamic Educational Research Vol. 9 No. 2 (2025)
Publisher : Pascasarjana Fakultas Ilmu Tarbiyah dan Keguruan UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/skijier.2025.92.05

Abstract

This study investigates the transformation of student financial management through the implementation of the Mumtas e-money system at SMAIQu Al-Bahjah Cirebon, a pesantren-based secondary school. The study aims to examine how the transition from physical vouchers to e-money influences institutional governance, financial supervision mechanisms, and students’ financial behavior. A qualitative case study approach was employed, drawing on in-depth interviews, non-participant observations, and document analysis involving key institutional stakeholders and parents. The findings indicate that e-money implementation enhances efficiency, transparency, and parental involvement, while supporting principles of accountable financial governance. Nevertheless, the supervision system remains partially manual due to infrastructure constraints, limited system integration, and the absence of structured financial literacy education for students. The study highlights the potential of e-money not only as a transactional instrument but also as a governance and educational tool within Islamic boarding school contexts. The research is limited by its single-case design, which restricts broader generalization. Future studies are recommended to adopt comparative and mixed-method approaches and to explore the long-term impacts of integrating e-money systems with formal financial literacy programs.
Co-Authors Al-Ghozali, Muhammad Iqbal Asmilasti, Rifni Fitria, Faning Maulida Hafizah, Hadzkya Shafa Novitasari, Kartika Pratama , Fidya Arie Pratama, Fidya Arie Sulfiani, Sulfiani