Training on Sharia Financial Management and the Separation of Personal Assets for Customers of the Lan Taburo Sharia Micro Waqf Bank
DOI:
https://doi.org/10.70437/dinamika.v3i2.34Keywords:
Bank Wakaf Mikro, Islamic Financial Management, Cash Separation, Micro-Enterprises, Personal Assets,Abstract
Low financial literacy and the commingling of personal and business funds weaken the financial resilience of micro-entrepreneurs who are customers of the Lan Taburo Sharia Micro Waqf Bank (BWM) in Lebak, Banten. This Community Service Program (Pengabdian kepada Masyarakat, PKM) aimed to strengthen participants’ knowledge of Sharia-based financial management and their practice of separating personal and business assets. The program used a Participatory Action Research (PAR) approach with three components: preparation and needs assessment, interactive training with hands-on simple bookkeeping practice, and post-training mentoring and evaluation, including tele-mentoring and peer-support groups. A total of 30 BWM customers (18 women and 12 men) took part in three sessions held on 15–18 February 2026. Pre-test and post-test results showed that the score for understanding of asset separation rose from 15% to 80%, and the score for Sharia micro-bookkeeping skills rose from 10% to 75%, a gain of 65 percentage points on each indicator. Average monthly revenue during the post-training monitoring period was 15% higher than the pre-training baseline; this is a descriptive before-and-after observation without a comparison group and cannot be attributed to the training alone. Tele-mentoring and peer-support groups were established to address the need for continued guidance. The findings suggest that participatory, practice-oriented training combined with follow-up mentoring is a promising model for BWM customers, and that longer-term evaluation with comparison data is needed.
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Copyright (c) 2026 Budiman, Deden Hidayat, Didi Maksudi, Ineng Septi Tri Marlina, Nuraini Musyrifatul Awaliyah, Tika Mustika, Eva Utami (Author)
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