Implementasi Perilaku Keuangan Ditinjau dari Perspektif Religiusitas

Abstract

This study aims to analyze the implementation of female students’ financial behavior from a religiosity perspective in an Islamic boarding school context. The study focuses on how female students manage allowances, distinguish needs from wants, save money, practice giving through charity, and avoid consumptive behavior that contradicts pesantren values of modesty. This research uses a qualitative approach with a case study design. Informants were selected purposively, including female students, dormitory administrators, canteen/cooperative managers, and female religious mentors. Data were collected through in-depth interviews, participatory observation, and documentation, then analyzed through data reduction, data display, and conclusion drawing. The findings indicate that religiosity functions as a value framework shaping students’ financial behavior through the internalization of trustworthiness, contentment, frugality, responsibility, and the pursuit of blessing in money use. Students’ financial behavior is reflected in allowance recording, prioritization of basic needs, self-control over impulsive purchases, and sharing practices. Nevertheless, the implementation of religious financial behavior still faces challenges, including peer influence, limited Islamic financial literacy, and the absence of a structured pribadi financial guidance system. This study recommends integrating Islamic financial literacy into female student development programs, strengthening dormitory mentors’ roles, and providing a simple allowance-recording instrument based on religious values.