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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Indrawan Azhar
Universitas Ahmad Dahlan
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Perilaku Keuangan sebagai Faktor Kunci Niat Kewirausahaan Islam pada Kalangan Santri di Sekolah Islam Modern Indrawan Azhar; Poppy Laksita Rini
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i1.10239

Abstract

This study aims to examine how financial behavior based on Islamic principles influences Islamic entrepreneurial intentions among students at modern Islamic boarding schools in North Maluku. A quantitative method with an associative approach was used to analyze the relationship between the variables of Financial Literacy, Self-Control, and Saving Behavior on Islamic Entrepreneurial Intentions. Data were collected through questionnaires completed by 140 respondents and analyzed using Partial Least Squares Structural Equation Modeling. The findings show that financial literacy and self-control have a positive and significant direct influence on Islamic entrepreneurial intentions. In addition, saving behavior acts as a mediator that strengthens the relationship between financial literacy and self-control with entrepreneurial intention. These results emphasize the importance of implementing Islamic-based financial education and self-control training programs as a strategy to encourage ethical entrepreneurship among the younger generation, while strengthening the Islamic economic ecosystem through the development of comprehensive Islamic financial behavior.
Co-Authors Poppy Laksita Rini