Implementation Of The Digital Financial Model For Islamic Boarding School Students As An Innovation In Student Financial Management
Keywords:
Islamic Boarding School Digital Finance; Student Financial Application; Innovation; Society 5.0.Abstract
Digital transformation in student financial management is analyzed in this study through the implementation of the Mondok Aja application at Pondok Pesantren Darul Falah Ponorogo to address the Society 5.0 era. The method employed was descriptive qualitative with a case study approach. Data collection was carried out through interviews, observation, and documentation involving Islamic boarding school administrators, students, parents, and application developers. Data analysis applied the Miles and Huberman interactive model, reinforced by the Technology Acceptance Model (TAM) perspective. The results of the study indicate that the Mondok Aja application has successfully transformed the financial management system of the boarding school to be more transparent, efficient, and secure through automated transaction logging and real-time balance monitoring. The presence of this system also established a user-centered financial ecosystem that contributes to improving students' financial literacy while strengthening collaboration between the school authorities and parents.
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Ali,M., Raza, S. . (2021). Trust dan adopsi Islamic Fintech. https://doi.org/Ali, M., Raza, S. A., Khamis, B., Puah, C. H., & Amin, H. (2021). How perceived risk, benefit and trust determine user Fintech adoption: A new dimension for Islamic finance. Foresight, 23(4), 403–420.
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Cintia, N. I., Kristin, F., & Anugraheni, I. (2018). Penerapan Model Pembelajaran Discovery Learning Untuk Meningkatkan Kemampuan Berpikir Kreatif Dan Hasil Belajar Siswa. Perspektif Ilmu Pendidikan, 32(1), 67–75. https://doi.org/10.21009/pip.321.8
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Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766
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Matthew B. Miles, A. Michael Huberman, J. S. (2023). Qualitative Data Analysis A Methods Sourcebook. Experiencing Citizenship: Concepts and Models for Service-Learning in Political Science, 109–118.
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Rahi, S., Ghani, M. A. (2022). (2022). Investigating the role of UTAUT and e-service quality in internet banking adoption setting: Tapping the moderation role of perceived risk. Journal of Financial Services Marketing. https://doi.org/Rahi, S., Ghani, M. A., Alnaser, F. M., & Ngah, A. H. (2022). Investigating the role of UTAUT and e-service quality in internet banking adoption setting: Tapping the moderation role of perceived risk. Journal of Financial Services Marketing, 27(1), 90–104. https://doi.org/10.1057/s41264-020-00072-z
Rahmawati, S., & Fadlillah, A. N. (2023). Perilaku keuangan santri pesantren: Antara kebutuhan dan impulsivitas. Jurnal Ekonomi Syariah Dan Bisnis Islam, 6(1), 88–107.
Wandira, R., Fauzi, A., & Nurahim, F. (2024). Analysis of Factors Influencing Behavioral Intention to Use Cloud-Based Academic Information System Using Extended Technology Acceptance Model (TAM). https://doi.org/Wandira, R., Fauzi, A., & Nurahim, F. (2024). Analysis of Factors Influencing Behavioral Intention to Use Cloud-Based Academic Information System Using Extended Technology Acceptance Model (TAM) and Expectation-Confirmation Model (ECM). Journal of Information Systems Engineering and Business Intelligence. https://doi.org/10.20473/jisebi.10.2.179-190.
Al-Nawafah, S. O., & Hatamleh, H. A. (2023). Digital transformation challenges in educational institutions: Resistance, adaptation, and leadership. Education and Information Technologies, 28(4), 4315–4337.
Ali,M., Raza, S. . (2021). Trust dan adopsi Islamic Fintech. https://doi.org/Ali, M., Raza, S. A., Khamis, B., Puah, C. H., & Amin, H. (2021). How perceived risk, benefit and trust determine user Fintech adoption: A new dimension for Islamic finance. Foresight, 23(4), 403–420.
Anggraeni, D., Hasanah, U., & Pratiwi, R. (2023). Persepsi sivitas akademik madrasah terhadap penggunaan financial technology dalam pengelolaan keuangan lembaga. Jurnal Pendidikan Islam, 12(1), 45–62.
Cintia, N. I., Kristin, F., & Anugraheni, I. (2018). Penerapan Model Pembelajaran Discovery Learning Untuk Meningkatkan Kemampuan Berpikir Kreatif Dan Hasil Belajar Siswa. Perspektif Ilmu Pendidikan, 32(1), 67–75. https://doi.org/10.21009/pip.321.8
Fauzi, M. A., Ramli, A. H., & Zainudin, Z. (2024). Technology acceptance of Islamic financial applications: A structural equation modelling approach. Journal of Islamic Monetary Economics and Finance, 10(1), 1–24.
Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766
Haoxing、 Z., & System, C. (2025). No 主観的健康感を中心とした在宅高齢者における 健康関連指標に関する共分散構造分析Title. https://doi.org/Yin, R. K. (2025). Case Study Research and Applications: Design and Methods (7th ed.). Sage Publications. (Catatan: Edisi terbaru dari “kitab” studi kasus).
Hasan, M.,Rabbani, M. . (2023). The role of religiosity and trust on intention to adopt Islamic fintech services among Muslim consumers. https://doi.org/Hasan, M., Rabbani, M. R., & Ali, M. A. M. (2023). The role of religiosity and trust on intention to adopt Islamic fintech services among Muslim consumers. International Journal of Islamic and Middle Eastern Finance and Management. https://doi.org/10.1108/IMEFM-09-2022-0387
Hidayat, A., & Mustafa, I. (2022). Digitalisasi manajemen pesantren: Pemetaan kebutuhan dan tantangan transformasi. Jurnal Manajemen Pendidikan Islam, 7(2), 112–131.
Indonesia, K. A. R. (2023). Data Pondok Pesantren Tahun 2023 (Issue 1). Direktorat Jenderal Pendidikan Islam. https://satudata.kuburayakab.go.id/dataset/c8706e0a-ef8a-4cf3-93f9-efa4c7eb5908/resource/d3284f69-816f-4b08-a6fb-3c66d1a2c903/download/data-pondok-pesantren-kubu-raya-2023.pdf
Keuangan, O. J. (2022). Survei nasional literasi dan inklusi keuangan 2022. OJK.
Kim, J., Park, H., & Lee, S. (2021). Cashless payment system adoption in university dormitories: Efficiency gains and socio-demographic moderators. Journal of Hospitality Technology and Education, 18(2), 55–71.
Matthew B. Miles, A. Michael Huberman, J. S. (2023). Qualitative Data Analysis A Methods Sourcebook. Experiencing Citizenship: Concepts and Models for Service-Learning in Political Science, 109–118.
O’dea, M., Zhou, X., Teng, D., Mundy, D., & Ishaya, T. (2025). Editorial: “Are Technology Acceptance Models still fit for purpose?” Journal of University Teaching and Learning Practice , 21(8). https://doi.org/10.53761/1bdbms32
Qolbi, A., & Sukmana, R. (2022). Determinants of Student’s Intention to Online Cash Waqf Using Modification of Technology Acceptance Model. https://doi.org/Qolbi, A., & Sukmana, R. (2022). Determinants of Student’s Intention to Online Cash Waqf Using Modification of Technology Acceptance Model. Journal Ekonomi Syariah Teori dan Terapan, 9(1), 78–91.
Rahi, S., Ghani, M. A. (2022). (2022). Investigating the role of UTAUT and e-service quality in internet banking adoption setting: Tapping the moderation role of perceived risk. Journal of Financial Services Marketing. https://doi.org/Rahi, S., Ghani, M. A., Alnaser, F. M., & Ngah, A. H. (2022). Investigating the role of UTAUT and e-service quality in internet banking adoption setting: Tapping the moderation role of perceived risk. Journal of Financial Services Marketing, 27(1), 90–104. https://doi.org/10.1057/s41264-020-00072-z
Rahmawati, S., & Fadlillah, A. N. (2023). Perilaku keuangan santri pesantren: Antara kebutuhan dan impulsivitas. Jurnal Ekonomi Syariah Dan Bisnis Islam, 6(1), 88–107.
Wandira, R., Fauzi, A., & Nurahim, F. (2024). Analysis of Factors Influencing Behavioral Intention to Use Cloud-Based Academic Information System Using Extended Technology Acceptance Model (TAM). https://doi.org/Wandira, R., Fauzi, A., & Nurahim, F. (2024). Analysis of Factors Influencing Behavioral Intention to Use Cloud-Based Academic Information System Using Extended Technology Acceptance Model (TAM) and Expectation-Confirmation Model (ECM). Journal of Information Systems Engineering and Business Intelligence. https://doi.org/10.20473/jisebi.10.2.179-190.
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