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Strategi Terkini dalam Literasi Keuangan dan Edukasi Produk Perbankan Syariah untuk Mendorong Kemandirian Ekonomi Santri Hamidah; Nurjali; Al-Munip
SiNORA Vol. 1 No. 2 (2025)
Publisher : CV. AKIRA JAVA BULU

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Abstract

The economic independence of pesantrens has become a strategic aspect in the development of community-based religious economy in Indonesia. As the next generation, santris play a crucial role in achieving this independence through the mastery of financial literacy and understanding of Islamic banking products. This study aims to evaluate the latest strategies implemented to enhance financial literacy and education on Islamic banking products for santris, as well as their impact on the economic independence of pesantrens. The research employs a descriptive qualitative method, with data collected through in-depth interviews, participatory observation, and documentation studies. The findings indicate that a combination of interactive training, mini bank simulations within pesantrens, and the utilization of digital technology effectively improves the knowledge, skills, and financial behavior of santris. Interactive training facilitates the development of critical thinking and financial decision-making skills, mini bank simulations provide practical experience in managing Islamic banking products, and digital technology expands access to information while supporting flexible learning. This holistic approach not only strengthens santris’ financial literacy but also fosters sustainable economic independence for pesantrens, equipping santris with adaptive, ethical, and productive financial competencies.
Inovasi Edukasi Keuangan Syariah untuk Santri: Mini Bank Pesantren sebagai Model Simulasi Kompetensi di Era Digital Ardiyanto; Nurjali; Al-Munip
SiNORA Vol. 1 No. 2 (2025)
Publisher : CV. AKIRA JAVA BULU

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pesantren, as a religious educational institution, plays a strategic role in shaping the character, economic skills, and financial literacy of santri (Islamic boarding school students). In the digital era, the ability to manage finances based on Sharia principles and digital competencies has become essential for santri to make sound, ethical, and sustainable economic decisions. This study aims to assess the effectiveness of implementing a pesantren mini bank as a competency simulation model to enhance santri’s Sharia financial literacy. A mixed-methods descriptive approach was employed, involving 50 active santri participants. Research instruments included mini bank activity observations, financial literacy questionnaires, and in-depth interviews. The findings indicate that the mini bank significantly improved santri’s financial literacy, with average scores increasing from 62% before the simulation to 85% after the program, while also enhancing digital skills, independence, and financial ethics. Furthermore, this model effectively cultivates responsible, transparent, and competent santri, ready to face modern economic challenges. The study confirms that the pesantren mini bank is an effective educational innovation that integrates theory, practice, and digital technology, and can be replicated in other pesantren to strengthen the economic competencies of young generations