Sinergi Dosen FEB UTS Mendorong Literasi dan Inklusi Keuangan Para Santri di Pesantren Sumbawa
DOI:
https://doi.org/10.59525/aij.v5i1.775Keywords:
Financial Literacy; Financial Inclusion; Conventional Finance; Islamic Boarding School; Community ServiceAbstract
This community service program at Pondok Pesantren Al-Mutmainnah aims to enhance conventional financial literacy and inclusion among santri (Islamic boarding school students) to equip them with the skills to manage personal finances wisely and independently. The method involved interactive material delivery using multimedia presentations, infographics, and educational videos, followed by discussion and Q&A sessions to reinforce understanding. Evaluation was conducted using pre-test and post-test questionnaires, showing a significant improvement with an average post-test score increase of 30 points compared to the pre-test. The discussion highlights that a participatory approach combined with visual media effectively improves santri’s knowledge, although challenges remain in understanding complex concepts such as investment and credit risk. The limited duration of the program also posed constraints on in-depth material coverage. Therefore, extended programs with longer duration and regular mentoring are necessary to ensure optimal internalization of financial attitudes and behaviors. Strengthening financial literacy is expected to contribute sustainably to the economic empowerment of the pesantren and the surrounding community.
Downloads
References
Alifah, S., Pamungkas, A. D., & Manurung, L. (2020). Pengenalan literasi keuangan pada Yayasan Tahfidzul Qur’an Ar-Rahmani. Community Development Journal: Jurnal Pengabdian Masyarakat, 1(2), 64–69. https://doi.org/10.31004/cdj.v1i2.704
Asbaruna, L. W. B., & Gorib, R. I. (2023). Peranan Pendidikan Literasi Keuangan Dalam Mengembangkan Kemampuan Mengelola Keuangan Di Kalangan Remaja. Community Development Journal, 4(2), 1396–1401.
Chen, H., & Volve, R. p. (1998). An Analysis of Personal Financial Literacy Among College Students. Financial Services Review, 7(2), 107–128.
Chuah, S. C., Kamaruddin, J. N., & Singh, J. S. K. (2020). Factors Affecting Financial Management Behaviour among University Students. Malaysian Journal of Consumer and Family Economics, 25, 154–174.
Harpa Sugiharti dan Kholida Atiyatul, “Pengaruh Literasi Keuangan Terhadap Perilaku Pengelolaan Keuangan Mahasiswa”, ACCOUNTHINK : Journal of Accounting and Finance, Volume 4, No.2, 2019, 804-818
Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077
Huston, S. J. (2010). Measuring Financial Literacy. The Journal Of Consumer Affairs, 44(2), 296–316.
Kementerian Koordinator Bidang Perekonomian Republik Indonesia. (2021). Inklusi Keuangan bagi Pondok Pesantren Berperan Strategis dalam Pemberdayaan Umat dan Ekonomi. https://www.ekon.go.id/unduh/publikasi/2941/inklusi-keuangan-bagi-pondok-pesantren-berperan-strategis-dalam-pemberdayaan-umat-dan-ekonomi
Mulyani, E., Sari, N., & Hidayat, A. (2022). Pendidikan Literasi Keuangan untuk Meningkatkan Kemandirian Finansial Generasi Muda. Jurnal Pendidikan Ekonomi, 12(1), 11-26
Oktari, Y., Suhendri, S., Aprilyanti, R., & Jenni, J. (2023). Penyuluhan Pengelolaan Keuangan bagi Pelajar (Anak Asuh Mudita Love Children). NEAR: Jurnal Pengabdian Kepada Masyarakat, 2(2), 115–119. https://doi.org/10.32877/nr.v2i2.742
Remund, D. L. (2010). Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Sari, N. (2021). Pengaruh Financial Literacy, Locus of Control, Life Style, dan Gender terhadap Financial Management Behavior Mahasiswa Universitas Negeri Surabaya. Jurnal Ilmu Manajemen, 9(2), 670–680. https://doi.org/10.26740/jim.v9n2.p670-680
Tjandrakirana, R., Ermadiani, E., Aspahani, A., & Putra, A. P. (2024). Pendidikan Literasi Keuangan Bagi Siswa SMA di Pesantren Raudhatul Ulum Sakatiga Kabupaten Ogan Ilir. Jurnal Pengabdian Kolaborasi dan Inovasi IPTEKS, 2(5), 1501–1510.
Yap, R. J. C., Komalasari, F., & Hadiansah, I. (2018). The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction The Effect of Financial Literacy and Attitude on Financial Management Behavior and Satisfaction. Jurnal Birokrasi, 23(3), 3–5. https://doi.org/10.20476/jbb.v23i3.9175
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Andi Rusni, Abdul Salam, Rozzy Aprirachman, Muhammad Nur Fietroh, Sri Andriyani, Yuni Purnama, Muhammad Rafi’i Sanjani, Muhammad Nurjihadi, Edi Irawan, Fitriah Permata Cita, Nurasia, Serli Oktapiani, Jayanti Mandasari, Aris Sugiarto, Hanifah Sri Nuryani, Diah Intan Syahfitri, Indah Fitriana Sari
This work is licensed under a Creative Commons Attribution 4.0 International License.
