Pendampingan Pengelolaan Dana Program Indonesia Pintar Berbasis Fikih Muamalah Menggunakan Financial Planning Guide

Authors

  • Ade Saepuloh Institut Agama Islam Prof. KH. Anwar Musaddad
  • Firman Maulana Institut Agama Islam Prof. KH. Anwar Musaddad
  • Ira Nurlaeni Institut Agama Islam Prof. KH. Anwar Musaddad

DOI:

https://doi.org/10.55123/samamas.v2i3.1124

Keywords:

Financial Diary, Financial Literacy, Fiqh Muamalah, Mentoring, Program Indonesia Pintar

Abstract

The implementation of educational financial aid such as the Program Indonesia Pintar (PIP) at SMA Bina Nusa Purwajaya often faces challenges due to students' low financial literacy, leading to suboptimal fund allocation, recurring tuition arrears, and consumptive spending patterns. To address this issue, a community service initiative was conducted to enhance students' financial literacy through an experiential learning approach integrating Islamic values of fiqh muamalah. The program methods comprised five participatory stages: Focus Group Discussions (FGD) with school stakeholders, cocurricular module development, interactive workshops, intensive mentoring using the Financial Planning Guide (comprising financial goal setting, budget planner, and financial diary), as well as monitoring and evaluation. The service activity involved 16 educational aid recipients and high school peers. The results revealed a significant improvement in students' financial knowledge, attitudes, and behaviors. Participants demonstrated the practical ability to prioritize educational necessities over consumptive desires, regularly record incoming and outgoing transactions, maintain savings, and internalize Islamic financial characters such as amanah, iqtishad, and wasathiyah. Furthermore, the school adopted the module and the Financial Planning Guide as sustainable cocurricular instruments, fostering a disciplined financial culture and ensuring targeted utilization of government educational assistance.

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References

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Published

2026-09-29

How to Cite

Ade Saepuloh, Firman Maulana, & Ira Nurlaeni. (2026). Pendampingan Pengelolaan Dana Program Indonesia Pintar Berbasis Fikih Muamalah Menggunakan Financial Planning Guide . Jurnal Bersama Pengabdian Kepada Masyarakat (SAMAMAS), 2(3), 141–148. https://doi.org/10.55123/samamas.v2i3.1124

Issue

Vol. 2 No. 3 (2026): September 2026

Section

Articles

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Copyright (c) 2026 Ade Saepuloh, Firman Maulana, Ira Nurlaeni

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