Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Vol. 8 No. 1 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah

Perilaku Keuangan sebagai Faktor Kunci Niat Kewirausahaan Islam pada Kalangan Santri di Sekolah Islam Modern

Indrawan Azhar (Universitas Ahmad Dahlan)
Poppy Laksita Rini (Universitas Ahmad Dahlan)



Article Info

Publish Date
02 Jan 2026

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.

Copyrights © 2026






Journal Info

Abbrev

alkharaj

Publisher

Subject

Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Description

Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah is a scientific journal published by Pusat Riset dan Kebijakan Strategis PRKS) of  Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor in collaboration with Masyarakat Ekonomi Syariah (MES) and Intelectual Association for Islamic Studies ...