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All Journal SEIKO : Journal of Management & Business YUME : Journal of Management Dinasti International Journal of Management Science Jurnal Ilmiah Akuntansi Peradaban AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Golden Ratio of Finance Management Jurnal Pemberdayaan Masyarakat Multifinance
Nanda, Sahabuddin
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Social Sciences Other

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Saudi-Indo Digital Financial Literacy: Empowering PCIM Saudi Arabia Students Through Simple Financial Management Training and Sharia Based Investment Nanda, Sahabuddin; Yusuf K, M.; Haanurat, A. Ifayani; Sukmawati, Sukmawati; Muchran, Muchriana; Rayyani, Wa Ode; Jaya, Asri; Soraya, Zalkha; Bahari, Samsul; Umar A, Muhammad
AJARCDE (Asian Journal of Applied Research for Community Development and Empowerment) Vol. 10 No. 1 (2026)
Publisher : Asia Pacific Network for Sustainable Agriculture, Food and Energy (SAFE-Network)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29165/ajarcde.v10i1.920

Abstract

This community service activity aims to improve students' financial literacy at the Special Branch of Muhammadiyah (PCIM) in Saudi Arabia through training in basic financial management and sharia-based investment. The program was held at the PCIM Saudi Arabia Centre (Rumah Buya Hamka), Medina, on November 11, 2025, and involved collaboration among three universities: Muhammadiyah University Makassar, Muhammadiyah University Buton, and Alkhairaat University. The methodological approach used was participatory-educational with interactive lectures, discussions, simulations, and hands-on practice. The activity results showed a significant increase in participants' conceptual understanding and practical skills in budgeting, cash flow management, financial planning, and recognising safe and productive sharia-compliant investment instruments. In addition, this activity strengthened students' ethical awareness and financial responsibility by integrating Islamic values into each training session. This program contributes to strengthening the economic capacity of diaspora students and strengthening collaborative networks across universities and the Muhammadiyah community in Saudi Arabia. Thus, this activity has the potential to serve as a model for community service grounded in adaptive, applicable, and sustainable Islamic financial literacy, relevant for replication among Indonesian student communities in various countries. Contribution to Sustainable Development Goals (SDGs):SDG 4: Quality EducationSDG 8: Decent Work and Economic GrowthSDG 10: Reduced InequalitiesSDG 12: Responsible Consumption and Production
Co-Authors A Ifayani Haanurat Abdi, Muhammad Nur Ameliana, Yana Arfah, Aryati Arsyad, Kamaruddin Asri Jaya Bahari, Samsul Haerunnisa, Rosyada Ismail, Lukman Lantara, Niniek Mohamed, Norhayati binti Muhammad Arif Muhammad Rizky Prima Sakti, Muhammad Rizky Prima Muhammad Syafri, Muhammad Muhammad Umar Mukramin, Sam'un Musran Munizu Muttalib, Abdul Nurhafizah Nurhafizah Renaldi Renaldi Safri Haliding Sudarmanto, Eko Sukmawati Sukmawati Syahrani, Asti Syamsu Rijal Wa Ode Rayyani Yunus, Yana Ameliana Yusuf K, M. Zalkha Soraya