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All Journal Walada: Journal of Primary Education Journal of Golden Generation Education
Desi Novita Sari
Universitas Islam Lampung
Humanities Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Jalan Menuju Kemandirian Finansial Lembaga Pendidikan Islam Dengan Pendekatan Zero Capital Desi Novita Sari; Rachmat Panca Putera
Journal of Golden Generation Education Vol. 1 No. 2 (2025): Oktober : Journal of Golden Generation Education
Publisher : PT. LEMBAGA PENERBIT PENELITIAN NUSANTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jgge.v2i1.220

Abstract

Financial independence remains a critical challenge for Islamic educational institutions, primarily due to their persistent reliance on external funding sources. Such dependency not only undermines financial stability but also constrains institutional autonomy and long-term sustainability. This article aims to conceptually examine pathways toward financial independence in Islamic educational institutions through a zero capital approach. Employing a qualitative library research design, this study critically analyzes scholarly books and peer-reviewed journal articles related to Islamic education management, social entrepreneurship, and non-profit organizational governance. The findings reveal that financial independence is not solely determined by the availability of financial capital, but rather by the institution’s capacity to optimize non-financial assets, including social capital, intellectual capital, and symbolic capital. The zero capital approach emerges as a transitional strategy that encourages the effective utilization of internal resources, competency-based productive innovation, and operational efficiency through digitalization. The novelty of this article lies in repositioning financial independence as a structural, asset-based process aligned with Islamic values, rather than as an instant outcome driven by monetary capital. This study contributes to the advancement of Islamic education management discourse and offers strategic insights for institutional leaders seeking sustainable financial independence under resource constraints.
Anatomi Biaya Pendidikan: Implikasi Bagi Efisiensi Pembiayaan Pendidikan Islam Tiara Indria Ningrum Indria Ningrum; Desi Novita Sari; Yuli Supriani Yuli; M. Agus Kurniawan
Walada: Journal of Primary Education Vol. 5 No. 3 (2026): Walada : Journal of Primary Education
Publisher : cendekia citra gemilang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61798/wjpe.v5i3.658

Abstract

Pendidikan Islam di Indonesia menghadapi tantangan dalam mengelola biaya secara efisien, terutama terkait distribusi dana dari APBN, kontribusi masyarakat, dan sumber internal lembaga. Penelitian ini bertujuan menganalisis anatomy biaya pendidikan dan perilaku cost untuk memahami implikasi terhadap efisiensi pembiayaan. Metode yang digunakan adalah library research, dengan pengumpulan, analisis, dan sintesis literatur dari buku, jurnal, dokumen kebijakan, dan laporan resmi lembaga pendidikan Islam. Hasil kajian menunjukkan bahwa struktur biaya terdiri dari biaya operasional, gaji tenaga pengajar, pengadaan sarana prasarana, dan program tambahan, dengan karakteristik fixed dan variable cost yang memengaruhi efisiensi pengeluaran. Integrasi konsep public finance, APBN, teori budgeting, kebijakan, mekanisme, alokasi, dan pelaksanaan anggaran memberikan kerangka sistematis untuk perencanaan dan pengawasan biaya. Temuan ini menunjukkan bahwa strategi pengelolaan biaya berbasis literatur dan regulasi dapat meningkatkan efektivitas penggunaan dana, meminimalkan pemborosan, dan mendukung kualitas pendidikan. Penelitian ini membuka peluang bagi studi lanjutan untuk menggabungkan data empiris dan analisis konseptual, sehingga dapat mengembangkan praktik manajemen pembiayaan pendidikan Islam yang adaptif dan berkelanjutan
Co-Authors M. Agus Kurniawan Putera, Rachmat Panca Tiara Indria Ningrum Indria Ningrum Yuli Supriani Yuli