Membangun Kebiasaan Cerdas Finansial pada Siswa Pondok Pesantren NW Montong Lisung melalui Edukasi Manajemen Keuangan

Mia Kurniati; Tutik Sukmalasari Putri; Sutriningsih Sutriningsih; Suharti Suharti; Rizky Maulana Raharja

doi:10.61132/ardhi.v4i2.1939

Authors

Mia Kurniati Sekolah Tinggi Ilmu Ekonomi 45 Mataram
Tutik Sukmalasari Putri Sekolah Tinggi Ilmu Ekonomi 45 Mataram
Sutriningsih Sutriningsih Sekolah Tinggi Ilmu Ekonomi 45 Mataram
Suharti Suharti Sekolah Tinggi Ilmu Ekonomi 45 Mataram
Rizky Maulana Raharja Sekolah Tinggi Ilmu Ekonomi 45 Mataram

DOI:

https://doi.org/10.61132/ardhi.v4i2.1939

Keywords:

Economic Independence, Financial Habits, Financial Literacy, Financial Management, Islamic Boarding School Students

Abstract

Low financial literacy among students, particularly in Islamic boarding schools, poses a challenge in fostering early economic independence. At Pondok Pesantren NW Montong Lisung, students generally lack the ability to manage pocket money, maintain financial records, and develop saving habits. This condition underlies the implementation of a community service program aimed at building smart financial habits through financial management education. The method employed a participatory approach consisting of counseling, training, and mentoring stages. Evaluation was conducted using pre-test and post-test, observation, and assessment of students’ financial record practices. The results showed a significant improvement in students’ financial literacy, increasing from an average of 42.5% to 79.5%, along with positive behavioral changes such as increased saving habits and better expense control. These findings indicate that financial management education is effective in improving students’ financial understanding and skills. Therefore, this program is important to be implemented sustainably to support the development of students’ economic independence in the future.

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