IJLRES - International Journal on Language, Research and Education Studies
ISSN: 2580-6777 (p); 2580-6785 (e)
DOI: 10.30575/2017/IJLRES-2019050813
Vol. 3, No. 2, 2019
Page: 318 - 328
318
THE MODEL OF STUDENTS‘ SAVING EMPOWERMENT MANAGEMENT
Amini
Senior lecturer at University of Muhammadiyah Sumatera Utara
amini.umsu@yahoo.co.id
Syamsuyurnita
Senior lecturer at University of Muhammadiyah Sumatra Utara
syamsuyurnita@gmail.com
Hasnidar
Senior lecturer at University of Muhammadiyah Sumatera Utara
hasnidar@gmail.com
Abstract. This research has been carried out to help overcome the problems of financial
management in schools / madrasas, especially in private schools / madrasas related to financial
governance that already apply in the institution. The model referred to in this study is a
management model of empowering student savings funds. the trial model that was applied in
MIS Mutiara located on Jl. Teak No. 125 Sei Delivering Deli Serdang Regency. Based on the
results of the study found a model of student empowerment management empowerment, namely
the principal of MIS Mutiara, making policies in schools / madrasas on the existence of suggested
daily student savings activities, socialized to students' parents, parents welcomed positively,
class teachers collect savings every day from their students, then class teachers deposit it with the
school treasurer, the school treasurer deposits it to the Muhammadiyah BMT every day through
the account of the head of MIS Mutiara, the Muhammadiyah BMT manages it and each month
prepares money for teacher salaries of Rp. 6,000,000, which is for as many as 6 teachers each
month. the advantage of the management model of student savings empowerment conducted at
MIS Mutiara is that teachers can get payday (every 2nd). While the drawbacks need to be very
careful in financial management, so that if there is misuse is vulnerable to the confidence of
parents of students in sending their children to school again.
Keywords: Model of Management, Empowerment, Students’ Saving
INTRODUCTION
Financing is one of the resources that directly supports the effectiveness and
efficiency of Madrasah management. In organizing education, finance and financing is
a very decisive potential and is an inseparable part in the study of education
mailto:amini.umsu@yahoo.co.id
mailto:syamsuyurnita@gmail.com
mailto:hasnidar@gmail.com
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DOI: 10.30575/2017/IJLRES-2019050813
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management. The financial and financing component in a school is a component that
determines the implementation of teaching and learning activities in schools along with
other components.
This is what underlies the researchers want to innovate in the form of managing
student savings funds which will be used as a bailout fund to overcome the financial
crisis in conducting the learning process in the madrasa. The student savings fund is in
the form of student money collected every day through the homeroom teacher, and then
handed over to the school management to be managed by a third party, namely a
professional financial manager. So that this can be utilized as a temporary Madrasah
operational fund before the students' school fees are paid and the BOS (school
operational assistance) funds are disbursed from the government.
Therefore, against the background of these problems researchers are interested in
finding a management model of student empowerment savings that was tested on MIS
Mutiara. So that after the model can be applied to all educational units that have the
same problem.
LITERATURE REVIEW
The Nature of Management
Initially the notion of management can be understood in various ways such as
planning, organizing, arranging staff, directing, coordinating and controlling, recording
and reporting, and preparing budgets. Then made simple so that it consists of planning,
organizing, giving command, coordinating and controlling (Made Pidarta, 2004: 11).
Furthermore Hersey and Blanchard revealed that "management is a process of
working with and through individuals and groups and other resources to accomplish
organizational goals" (P. Hersey and K.H Blanchard, 1988: 88). From the words of Hersey
and Blanchard it can be understood that what is meant by management is a process of
collaboration between individuals and groups and other resources in achieving an
organizational goal.
According to George R. Terry explained that management, "Management is the
performance of conceiving and achieving desired results by the group of efforts
consisting of utilizing human talent and resources". It can be understood that
management is the ability to direct and achieve desired results with the aim of human
endeavors and other resources. In line with the previous opinion Mondy and Peemeaux
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stated "management is the process of getting things done through the efforts of other
people" (R. W. Mondy and S.H Premeaux, 1995: 78).
The Management of School’s Finance
Financial management is one of the substance of school management that will
also determine the course of educational activities in schools. As happened in the
substance of education management in general, financial management activities are
carried out through the process of planning, organizing, directing, coordinating,
supervising or controlling.
Some financial management activities are obtaining and determining funding
sources, utilizing funds, reporting, auditing and accountability properly. According to
the Ministry of National Education (2000) that financial management is an act of financial
administration / administration which includes recording, planning, implementation,
accountability and reporting.
Thus, school financial management can be interpreted as a series of activities
regulating school finance from planning, accounting, spending, supervision and
financial accountability. School financial management needs to pay attention to a
number of principles. Law No. 20 of 2003 article 48 states that the management of
education funds is based on the principles of justice, efficiency, transparency, and public
accountability. Besides that, the principle of effectiveness also needs to be emphasized.
The principles include transparency, accountability, effectiveness and efficiency.
a. Transparency. Transparent means openness. Transparent in the field of
management means openness in managing an activity. In educational
institutions, the field of transparent financial management means that
there is openness in financial management of educational institutions,
namely the openness of financial resources and their numbers, details of
use, and accountability must be clear so that it can facilitate the parties
concerned to find out.
b. Financial transparency is very much needed in order to increase the
support of parents, the community and the government in the
implementation of all educational programs in schools. In addition,
transparency can create mutual trust between government, the
community, parents and school residents through the provision of
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321
information and ensuring ease in obtaining accurate and adequate
information.
c. Some financial information that is free to be known by all school
residents and parents, for example, the school income and expenditure
plan (RAPBS) can be posted on the notice board in the teacher's office or
in front of the administration room so that anyone who needs that
information can easily get it . Parents of students can find out how much
money the school receives from parents and what money is used for it.
In addition, the existence of daily savings activities for students must also
be open, which is open in terms of numbers and how they are managed.
Obtaining this information adds to the parents' confidence in the school.
d. Accountability is the condition of someone who is judged by others
because of the quality of their performance in completing tasks to achieve
the goals for which they are responsible. Accountability in financial
management means that the use of school fees and student savings funds
can be accounted for in accordance with established plans. Based on
established plans and applicable regulations, the school spends money
responsibly. Accountability can be done to parents, the community and
the government. There are three main pillars that are prerequisites for
building accountability, namely (1) the transparency of school
administrators by accepting input and involving various components in
managing schools, (2) the existence of performance standards in each
institution that can be measured in carrying out its duties, functions and
authority, (3) the participation to create a conducive atmosphere in
creating community services with easy procedures, low cost and fast
service.
e. Effectiveness. Effective is often interpreted as achieving the goals set.
Garner (2004) defines effectiveness even more, because actually
effectiveness does not stop until the goal is reached but it comes to
qualitative results that are associated with achieving the vision of the
institution. Effectiveness "characterized by qualitative outcomes".
Effectiveness emphasizes more on qualitative outcomes. Financial
management is said to meet the principle of effectiveness if the activities
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carried out can regulate finance to finance activities in order to achieve
the objectives of the institution concerned and its qualitative outcomes in
accordance with the plans that have been set.
f. Efficiency, is related to the quantity of results of an activity. Efficiency
"characterized by quantitative outputs" (Garner, 2004). Efficiency is the
best comparison between input (output) and output (output) or between
power and output. The intended power includes energy, thought, time,
and cost. In terms of the use of time, energy and cost. Activities can be
said to be efficient if the use of time, energy and the smallest cost can
achieve the specified results.
The Increasing of Quality of Education through Students’ Saving
In general, quality is a description and overall characteristics of goods or services
that show their ability to satisfy the expected or implied needs. In the context of
education, the notion of quality includes educational inputs, processes and outputs.
Educational input is everything that must be available because it is needed for the
process to take place. Something intended in this study is in the form of a source of
student savings funds to be managed in these educational institutions.
Resource input includes human resources available at educational institutions
such as school principals, teachers, employees and students. And the remaining
resources such as equipment, materials, money, and so on. While the software input
referred to in this study includes the school organizational structure, statutory
regulations, task descriptions, plans, programs and so on. Therefore, the high or low
quality of an input can be measured from the level of input readiness. The higher the
preparation made for the input, the higher the input of the available institutions.
The education process is the change of something into something else. Something
that affects the progress of a process, while the results of that process are also referred to
as results or outputs.
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FINDINGS AND DISCUSSION
The source of education funding is a very important input component in preparing
human resources through education in schools. Education without the support of
adequate costs, the education process will not be able to run in accordance with
expectations (Mulyono, 2010: 23). So on that basis applied research on applied product
models of empowering student savings that has been carried out at MIS Mutiara.
This applied product research entitled management model of student
empowerment savings has been tested for 2 months. This is done at MIS Mutiara which
is located at Jl. Teak No. 125 Sei Send out. If we look at the results achieved in a two-
month trial of August and September, it will be seen as follows:
No. Stage/
Class
Total of
Students
Recapitulation of
the result of
students’ saving
in August
Recapitulation of
the result of
students’ saving in
September
Total of Saving
1. I 17 Rp. 2.739.000,- Rp. 2.061.000,- Rp. 4.800.000,-
2. II 4 Rp. 2.059.000,- Rp. 1.556.000,- Rp. 3.615.000,-
3. III 10 Rp. 1.207.000,- Rp. 1.151.000,- Rp. 2.358.000,-
4. IV 14 Rp. 1.843.000,- Rp. 2.695.000,- Rp. 4.358.000,-
5. V 13 Rp. 1.571.000,- Rp. 1.87.000,- Rp. 3.358.000,-
6 VI 12 Rp. 3.881.000,- Rp. 3.137.000,- Rp. 7.018.000,-
Jumlah Rp. 13.300.000,- Rp. 12. 387.000,- Rp.
25.687.000,-
The recapitulation of students’ saving of MIS Mutiara
Based on the recapitulation of MIS Mutiara student savings data can be seen from
the side of the development of student savings made by students at MIS Mutiara in
August and September experienced a significant development, because when viewed
from the frequency of the amount of savings they deposited each day is quite large each
month.
1. For class I only in August amounting to Rp. 2,739,000, - and in September
amounting to Rp. 2,061,000, - so that the total for class I which amounted
to 17 students can generate savings of Rp. 4,800,000.
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2. For class II in August amounted to Rp. Rp. 2,059,000 and in September
amounting to Rp. 1,556,000, - so that the total for class II which amounted
to 4 students can generate savings of Rp. 3,615,000.
3. For class III in August amounted to Rp. 1,207,000 and in September
amounting to Rp. 1,151,000, so that the total for class III totaling 10
students can produce savings of Rp. 2,358,000.
4. For class IV in August, Rp. 1,843,000 and - in September amounting to Rp.
2,695,000 - so that the total for class IV totaling 14 students can generate
savings of Rp. 4,358,000
5. For class V in August amounted to Rp. 1,571,000, - and in September
amounting to Rp. 1.87,000, so that the total for class V which amounts to
13 students can generate savings of Rp. 3,358,000.
6. For class VI in August amounted to Rp. 3,881,000 and in September
amounting to Rp. 3.137,000, - so that the total for class VI which amounts
to 12 students can generate savings of Rp. 7,018,000.
So if the total number of MIS Mutiara students starting from grades I to VI with a
total of 70 students, their total savings for 2 months (August and September) is Rp.
25,687,000.
So if the empowerment of teachers to provide salary so that it can be done on time
properly. If there are 6 teachers' salaries, each teacher has a salary of Rp. 500,000, - for
each month the allocation of empowerment for payroll every month is Rp. 6,000,000.
So that it can make a solution for schools and foundations to be able to provide
welfare for teachers so that they can get paychecks every month, that is on every 2nd
date. So far, they have only relied on the teacher's salary from the payment of school fees
deposited by each student. It often happens that payment of school fees is not on time
(often late), so that it has an impact on late teacher payroll.
So it is expected that with the existence of a model of empowering student savings
will be able to be used as a solution in helping MIS Mutiara school funding, the target
for this research is to help prepare a bailout fund for paying teacher salaries to be on
time. Because all this time the madrasa only expects school fees from students' parents
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DOI: 10.30575/2017/IJLRES-2019050813
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or the distribution of BOS funds from the government, which in the end teachers often
receive salaries that are not timely (often experience late payment of salaries).
Teacher salaries are the most important thing done by the school management to
be on time, because if not time will have a negative impact on the quality of the school.
This means that when the teacher does not pay on time, the enthusiasm and motivation
of the teacher becomes lower and discipline becomes lower. This will have an impact on
the condition of the school.
Therefore, the school must try to find a solution in order to help finance the school.
One day, at the MIS Mutiara school, students are accustomed to taking part in a daily
savings program aimed at empowering student funds and fostering students' penchant
for saving. This activity is very useful, in addition to these two things it can also be used
at any time by students for educational purposes, for example buying books, bags, shoes
and others.
Student savings is a trust that the school must manage wisely. All administration
such as student savings books, class savings receipt books, school savings recap books
must be organized in an orderly and transparent manner. If not, problems will arise and
parents' trust in schools will decrease.
To help record the receipt of class savings, administrators share one class savings
receipt application for MIS. This application is made very simple and easy to use. The
purpose of making this application is to ease the teacher's task of adding student savings
so that there is no need to add up manually every time a student saves.
Therefore, as for the process of student savings management model carried out in
MIS Mutiara are: MIS Mutiara's principal makes policies in madrasas about the existence
of daily student savings activities, socialized to students' parents, parents welcome
positively, class teachers collect savings every day from the students, then the class
teacher deposits the school treasurer, the school treasurer deposits it to the
Muhammadiyah BMT every day through the MIS Mutiara head account, the
Muhammadiyah BMT manages it, and each month prepares a teacher's salary of Rp.
6,000,000, for as many as 6 teachers each month. The money is given by the BMT to the
school treasurer on every 2nd to be paid to each teacher.
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326
The management process of empowering student savings is carried out at MIS
Mutiara.
CONCLUSION
Based on the results of research applied products conducted at MIS Mutiara can
be concluded as follows:
1. That the management model for student savings empowerment carried
out in this study is: MIS Mutiara's principal made a policy at the madrasa
about the suggested daily student savings activities, socialized to parents,
students welcomed positively, class teachers collect savings every day
from the students. students, then the class teacher deposits the school
treasurer, the school treasurer deposits it to the Muhammadiyah BMT
every day through the account of the head of MIS Mutiara, the BMT
Muhammadiyah manages it and each month prepares a teacher's salary
Head Master of
MIS Mutira’s
decisiion
Socialized to students’
parent
Class teachers
collected money
from students
Class teacher give
to school treasure
School treasure give
to BMT
Muhammadiyah
BMT Muhammadiyah
manage and
empower it
BMT Muhammadiyah
pay the teachers’
payment on date 2
every month through
school tresaure
School treasure pay
to teachers on date 2
every month
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of Rp. 6,000,000, for as many as 6 teachers each month. The money is given
by the BMT to the school treasurer for payment of teacher salaries, then
the school treasurer pays the teacher's salary every 2nd of every month
2. The form of efforts to empower student savings that will be applied in MIS
Mutiara Sei. To send is to pay teacher salaries on time ie the 2nd of every
month. This savings money can become a school bailout fund prepared by
BMT Muhammadiyah so that the monthly salary of teachers is fixed
3. The advantage of the management model of student savings
empowerment conducted at MIS Mutiara is that teachers can get payday
(every 2nd). While the drawbacks need to be very careful in financial
management, so that if there is misuse is vulnerable to the confidence of
parents of students in sending their children to the school.
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