Pesantren as a Foundation for Sharia Financial Literacy: A Historical Review and the Character Education of Santri

Zainuddin Zainuddin · Universitas Al-Qur'an Ittifaqiah Indralaya, Indonesia
Desi Arisandy · Badan Riset dan Inovasi Daerah Sumatera Selatan, Indonesia
Muhammad Muttaqin · Universitas Al-Qur'an Ittifaqiah Indralaya, Indonesia

DOI: 10.53649/al-iqtishad.v7i2.2263

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Abstrak

The growth of national sharia financial assets has not been matched by a corresponding rise in public financial literacy, which has repeatedly led policymakers and scholars to position Islamic boarding schools (pesantren) as a strategic channel for sharia financial education, even though the reasons behind their apparent receptivity have rarely been examined in depth.

This study employs a narrative literature review of openly accessible sources, including indexed journal articles, community-service reports, and official releases from regulatory authorities, which are mapped onto three layers of argument: historical, character education, and empirical evidence.

The findings indicate that pesantren have practised economic self-reliance since the era of the Wali Songo, that dormitory life shapes santri's mental readiness in ways that align with the principles of muamalah, and that various sharia financial literacy programmes prove more effective when participatory and applied rather than delivered as one-way lectures.

A synthesis of these three layers shows that programme effectiveness is not merely a function of content, but the outcome of an interaction between that content and the pesantren's long-standing socio-cultural structure, one already familiar with honesty, responsibility, and self-reliance.

Pesantren Sharia Financial Literacy Character Education Santri History of Pesantren

1. Pendahuluan

[Tempelkan isi bagian Pendahuluan artikel Anda di sini.]

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Artikel ini dipublikasikan di Al-Iqtishad, Vol. 7, Issue 2, 2026.