The Use of E-Bekal in Students' Financial Management: a Sharia Economic Perspective at the Nurul Jadid Islamic Boarding School


Authors

(1) * Aina Syarifatus Shiyam Jaenuri   (Universitas Nurul Jadid)  
        Indonesia
(*) Corresponding Author

Abstract


This study aims to analyze the implementation of the E-Bekal application in financial management for santri (Islamic boarding school students) at Pondok Pesantren Nurul Jadid from the perspective of Sharia Economics. This research employs a qualitative descriptive approach with a phenomenological method to understand the experiences of system users, including students, parents, and E-Bekal administrators. Data were collected through in-depth interviews, direct observation, and documentation studies, and analyzed using the Miles and Huberman model consisting of data reduction, data display, and conclusion drawing. The results indicate that E-Bekal improves efficiency, transparency, and financial accountability within the pesantren environment. Furthermore, the system contributes to developing students’ financial discipline, frugality, and adherence to Sharia values such as amanah (trustworthiness), qana’ah (contentment), and avoidance of israf (wastefulness). The study also identifies a gap between the digitally managed central pesantren and manually operated satellite areas, highlighting challenges in digital transformation. The novelty of this research lies in integrating Sharia economic values into a digital financial system and positioning E-Bekal as a medium for Islamic financial character education.



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Journal of Education Management and Policy
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