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All Journal Journal of Agroecology Agroland : Jurnal Ilmu-Ilmu Pertanian BIOTROPIA - The Southeast Asian Journal of Tropical Biology AGROTEKBIS AGROLAND: The Agricultural Sciences Journal Iqtishoduna: Jurnal Ekonomi Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Mekanik Terapan Journal La Bisecoman Al-Ulum: Jurnal Pendidikan Islam Al-Sharf: Jurnal Ekonomi Islam JURNAL MANAJEMEN AKUNTANSI (JUMSI) Journal of English Language and Education Proceeding International Seminar of Islamic Studies Al-Ulum: Jurnal Pendidikan Islam Jurnal Pengabdian Masyarakat Sains dan Teknologi Ekonom : Jurnal Ekonomi dan Bisnis Journal of Global Islamic Economic Studies UPMI Proceeding Series Journal IIJSE International Conference on Islamic Economic El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam AGROTEKBIS: Jurnal Ilmu Pertanian Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Agroland: Jurnal Ilmu-ilmu Pertanian AGROLAND: The Agricultural Sciences Journal Mitra Sains Kesejahteraan Bersama : Jurnal Pengabdian dan Keberlanjutan Masyarakat Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Journal of Ekonomics, Finance, and Management Studies
Uswah Hasanah
Department Of Agrotechnology Faculty Of Agriculture University Of Tadulako, Palu 94118 Central Sulawesi
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Journal : International Conference on Islamic Economic

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The Effectiveness of Savings Programs in Shaping Students’ Financial Discipline in Islamic Boarding Schools Siagian, Mahmud Khoil Shofa; Hasanah, Uswah
International Conference on Islamic Economic (ICIE) Vol. 4 No. 1 (2025): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v4i1.420

Abstract

Financial discipline is an essential life skill that enables individuals to manage resources wisely and prepare for future needs. In the context of Islamic boarding schools, or pesantren, this skill becomes even more important as students (santri) are expected to embody responsibility, independence, and adherence to Islamic values in daily life. Recognizing this need, An-Nikmah School Cooperatives introduced a sharia-based savings program, designed not only as a financial service but also as an educational initiative to instill long-term financial awareness and discipline. His study seeks to evaluate the effectiveness of the savings program in enhancing students’ financial discipline, to identify both supporting and inhibiting factors, and to assess the program’s contribution to the development of financial character consistent with Islamic principles. A descriptive qualitative method was employed, incorporating in-depth interviews, direct observation, and document analysis with cooperative managers and participating students. The findings reveal that the savings program contributes significantly to building systematic saving habits, encouraging accurate financial recording, and strengthening the integration of Islamic values in financial management. Despite these achievements, the program faces challenges such as limited financial literacy among students, inadequate access to technology-based recording tools, and insufficient training sessions to reinforce knowledge and practice. Overall, the study concludes that the sharia cooperative savings program at An-Nikmah School Cooperatives is effective in fostering disciplined, responsible, and independent financial behavior. Moreover, it provides a replicable model for financial education in Islamic boarding schools, offering valuable insights for policymakers, educators, and cooperative institutions in advancing financial literacy through faith-based initiatives.
Co-Authors A. Lanyala, Andi Aghir A.A. Ketut Agung Cahyawan W Abd. Rahim Thaha Abd. Rahman Abda Abda Abdul Rahman Abdul Rahman Ady, Syifa Salsabilla Frisca Amiruddin Amiruddin Anas Latae Andi Aghir A. Lanyala Andi Idham M Anthon Monde Anthon Monde Anthon Monde Anthon Monde Anthon Monde Ardiyansyah Ardiyansyah Ayip Rosidi Danang Widjajanto Danang Widjajanto Danang Widjajanto Danang Widjajanto Danang Widjajanto Danang Widjajanto Danang Widjajanto Danang Widjajanto Danang Widjajanto Darma Wijaya Dinda Puspita Tanjung Efry Kurnia Elijonnahdi Elijonnahdi Elni Elni Farah Aliyah Nafiza Sembiring Fathul Azis Ferdian Suete Fikri Rizalsyah Harahap Fira Fermila Lawenga Fitriani Fitriani Frans Yunus Halim, Suhasrianto S Hangga Parnianto Harahap, Nur Rizky Ardianty Hasyim, Syafria Henry N Barus Henry N Barus I Ketut Suartana . Imam Wahyudi Imelda Saragih Isra Hayati Japar, Karmila Julia Rafika Jumarni Jumarni Jusman Jusman Kabeakan, Jesica Kasmawati Kasmawati Khaira Sitohang, Mutiah Khairatun Hisan Latae, Anas Leonidas Paarrang Lisa Lisa, Lisa M. Iqbal M. Iqbal Mengawa, Reni Gloria Mochammad Imron Awalludin Moh Akbar Muh. Subair G Baso Muhammad Anshar Muhammad Basir Muhammad Natsir Muhammad Nuzul Napitupulu Muhammad Rivai Mukmin Mukmin Munardi, Benny Muslimin Muslimin Mutiah Khaira Sihotang Nadlrah Naimi Naimi, Nadlrah Nasution, Ina Zainah Natasya Agustia Sari Novi Safriadi Nst, Salman Nur Afifah Usman Nur Afifah Usman Nur Sakinah Nur Sakinah Nuraisya Nuraisya Nurfadila Nurfadila, Nurfadila Nurfatimah Nurfatimah Pagiu, Salapu Pandji, Susiyadma Rizkia Prahastuti, Sri Wahida Prahastuti, Sri Wahidah Prahastuti, Sri Wahidah Putra, Nurul Pratama Putri Lestari, Putri Putri, Naila Rachmad Zainuddin Rachmat Zainuddin Rahmad Rahmad Rahmat Zainuddin Rahmat Zainuddin, Rahmat Ramlan Ramlan Ramlan, H. Rizky Andika Rosmaniar Gailea Rully Akbar Saiful Darman Saiful Darman Saiful Darman Sakka Samudin Salabi, Adrianus Salapu Pagiu Samsu Samsu Samsu Samsu Sasmita, Maria SATRIYAS ILYAS Serli Jayanti Serli Jayanti, Serli Shahabuddin Saleh Siagian, Mahmud Khoil Shofa Sihotang, Mutiah Khaira Siti Haryati Siti Haryati, Siti Sri Wahidah Prahastuti St Sukmawati Suete, Ferdian Sufyan Sufyan Suhasrianto S Halim Susiyadma Rizkia Pandji Syafria Hasyim syamsul Syukur Syehnaz Sahin Shiddiqi Toana, Moh. Rizqi Chaldun Trisno Trisno Tursina Tursina Ulwan, Mishiyyah Nashih Yosep Soge Patadungan Yosep Soge Pata’dungan Yosep Soge Pata’dungan Yulianti, Hasnia Yunita, Dina Rizky Yuris Asbi Yusriadi Yusriadi Zainuddin Zainuddin Zainuddin, Rachmat Zaitun Zaitun