The Relationship Between Financial Literacy and Savings Culture Among Students at Nurul Ihsan Islamic Boarding School

Abstract

Limited financial literacy has hindered the consistent development of saving habits among students. Through a community service program at Pesantren Nurul Ihsan, interactive lectures, discussions, financial recording simulations, and saving practice mentoring were provided to 40 junior and senior high school students. The program aimed to improve financial management understanding while fostering independence and discipline. Results indicated increased awareness in recording income and expenses and a commitment to saving part of their allowance. The integration of Islamic values strengthened students’ motivation to save. Financial literacy was found to have a positive relationship with consistent saving behavior and should be sustained continuously.