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Sa’adah, Masrurotus; Ummah, Nur Ittihadatul

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2024 FEB Universitas Maritim Semarang

Entrepreneurship education in Islamic boarding schools (pondok pesantren) plays a strategic role in equipping students (santri) with relevant skills amidst the challenges of the global economy, particularly in addressing the persistently high unemployment rate in Indonesia, which reached 5.86% in 2023. This article explores how Pondok Pesantren Assuniyyah Kencong Jember taps into the creative potential of its students through an entrepreneurship education approach. The research employs qualitative methods to understand the dynamics of the entrepreneurship learning process. Through in-depth interviews and participatory observations, it was found that the integration of entrepreneurship education into the curriculum not only enhances technical and managerial skills but also encourages students to think creatively and innovatively in response to economic challenges. The findings indicate that a supportive environment, along with guidance from mentors and local entrepreneurs, significantly contributes to fostering an entrepreneurial spirit among the students. These findings are expected to contribute to the development of entrepreneurship education models in other Islamic boarding schools and strengthen efforts to reduce poverty through the creation of ethical and competitive new entrepreneurs.

Sofa, Indah Ainus; Riyadi, Berlian Gustina; Ningtyas, Surur Fathma; Yudiantoro, Deny

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2024 FEB Universitas Maritim Semarang

This research explores the influence of financial literacy, self-confidence in managing personal finances, and the use of fintech payments on the personal financial management of Sharia Financial Management students at UIN Sayyid Ali Rahmatullah Tulungagung. This research is motivated by students' lack of understanding regarding personal financial management, which has the potential to affect their readiness to face financial challenges in the future. Through good financial literacy and self-confidence in managing finances, students are expected to be able to manage their finances more wisely. On the other hand, the use of fintech payments is also thought to have an influence on students' financial management behavior. This research uses a quantitative approach with associative methods and purposive sampling techniques, involving 86 students from the class of 2020-2022. Data was collected via questionnaire, then analyzed using multiple linear regression via SPSS-26. The research results show that financial literacy, financial self-efficacy, and payment fintech together have a positive and significant influence on personal financial management, financial literacy has a positive and significant influence, financial self-efficacy has a positive and significant influence, and payment fintech also has an influence positive and significant on students' personal financial management.