<![CDATA[Introduction: Islamic microfinance institutions face persistent challenges in sustaining financial continuity while fulfilling their social mission, Shariah commitment, and welfare-oriented objectives. Previous studies have primarily examined Islamic microfinance sustainability from financial performance, institutional capacity, and Islamic financial instruments perspectives, while limited attention has been given to how social and spiritual resources are transformed into governance mechanisms. This study aims to examine the transformation of social and spiritual capital into faith-based governance mechanisms that support sustainable Islamic microfinance services. Methods: Employing a qualitative multiple-case study approach, this research examines three Indonesian Islamic cooperatives: Koperasi Syariah Benteng Mikro Indonesia, BMT Al Fath IKMI, and BMT BISMA. Data were collected through interviews, observations, and institutional documents, and analyzed using thematic analysis. Results: The findings indicate that social capital strengthens sustainability through relational governance based on trust, member participation, shared norms, networks, and social accountability. Spiritual capital contributes through moral-spiritual governance reflected in amanah, ethical discipline, Shariah commitment, and religious accountability. Furthermore, the integration of Baitul Maal and Baitut Tamwil functions creates a hybrid sustainability mechanism by combining commercial financing with Islamic social finance and empowerment programmes. Conclusion and suggestion: This study contributes by proposing a faith-based governance transformation model, demonstrating that sustainable Islamic microfinance depends not only on financial resources but also on the institutionalisation of relational, ethical, and accountability-based governance practices.]]>
