Sharia Economic Values and Their Effect on Students’ Financial Discipline

Abstrak

This study investigates the influence of Sharia economic values on students’ financial discipline in Islamic educational institutions. Sharia economic principles, which emphasize justice, transparency, and ethical consumption, are hypothesized to shape students’ financial behavior and decision-making. Using a quantitative survey approach, data were collected from 120 students in several Islamic boarding schools (pesantren) in Indonesia. The study employs a structured questionnaire and statistical analysis to determine the relationship between the internalization of Sharia economic values and students’ financial discipline. Findings indicate a significant positive effect of Sharia economic values on financial discipline, suggesting that integrating these principles into educational programs can enhance students’ responsible financial behavior. This research contributes to understanding the role of religious economic education in fostering ethical financial practices among young learners.