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All Journal Pendas : Jurnah Ilmiah Pendidikan Dasar KACANEGARA Jurnal Pengabdian pada Masyarakat RESLAJ: Religion Education Social Laa Roiba Journal Mimbar Kampus: Jurnal Pendidikan dan Agama Islam Tarbiatuna: Journal of Islamic Education Studies
Herwina Bahar
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Religion Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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MANAGEMENT STRATEGY OF ENDOWMENT FUNDS AND INCOME GENERATING UNITS (IGU) IN REALIZING FINANCIAL INDEPENDENCE OF ISLAMIC EDUCATIONAL INSTITUTIONS: AN ECONOMIC TRANSFORMATION ANALYSIS BASED ON ZISWAF Ahmad Fikri; Herwina Bahar
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.63279

Abstract

This study analyzes the strategic urgency of transforming the financing model of Islamic educational institutions in Indonesia from a traditional charity-based approach toward a sustainable social enterprise framework. Driven by structural fiscal limitations, sharp allocative disparities within public budgets (APBN/APBD), and the escalating commercialization of education, this research investigates the integration of public financing with Islamic Social Finance. Utilizing a qualitative-conceptual methodology with an economic and pedagogical approach, this paper evaluates the efficacy of an Integrated Islamic Social Finance (IISF) model and a Tiered Funding System. This system synthesizes productive waqf as a perpetual capital base, zakat as targeted tuition relief for marginalized students (dhuafa), and infak/sedekah as dynamic innovation funds. Furthermore, it explores the optimal deployment of institutional Income Generating Units (IGUs) alongside digital modernizations. The findings demonstrate that professionalizing asset management through mechanisms like Cash Waqf Linked Sukuk (CWLS) and establishing diversified sharia-compliant business units structurally insulates institutions from chronic dependence on student tuition fees, thereby fulfilling the dual mandate of teacher welfare and inclusive accessibility. Crucially, the adoption of digital technologies specifically Blockchain and Islamic Fintech emerges as an ethical and operational necessity under the Maqasid al-Shariah paradigm to safeguard public funds (Hifz al-Mal) via absolute, real-time transparency and automated, immutable auditing. This integrated model provides a robust conceptual blueprint for achieving long-term financial sovereignty, enhancing internal and external institutional efficiencies, and preserving the core socio-spiritual mission of Islamic education in the digital disruption era.
REKONSTRUKSI REGULASI PEMBIAYAAN PENDIDIKAN ISLAM BERBASIS KEADILAN DAN KEBERLANJUTAN DI ERA DISRUPSI DIGITAL DAN KETIDAKPASTIAN EKONOMI M. Mashuri Nurkulla; Herwina Bahar
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Posted
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.63593

Abstract

Islamic education financing in Indonesia faces increasingly complex challenges due to digital disruption and global economic uncertainty. Although various regulations have provided legal foundations for educational financing, their implementation remains fragmented and has not fully reflected the principles of social justice and sustainability. This study aims to analyze the existing conditions of Islamic education financing regulations, examine the implementation of justice principles in financing practices, identify challenges emerging from digital disruption and economic uncertainty, and formulate a reconstruction model of financing regulations based on justice and sustainability principles. This study employed a qualitative library research approach by examining legal documents, scientific literature, and policy reports related to Islamic education financing. The findings indicate that Islamic education financing regulations remain sectoral and have not optimally integrated state financing with Islamic philanthropic instruments such as zakat, infaq, sadaqah, and waqf. Furthermore, digital transformation and economic instability require a more adaptive, innovative, and resilient financing system. Therefore, an integrative regulatory reconstruction model emphasizing social justice, financing sustainability, digital adaptation, and good governance is necessary to establish an inclusive and sustainable Islamic education financing system.
Co-Authors Ahmad Fikri Andriyani Astriani, Linda Bambang Eko Siagiyanto Dwi Kartika Elzania Agustin Fitrima Suarni Guntur Alting Hening Purwati Parlan Hidayat, Amirul Iswan Kinanti, Sila Dwi Laily Nurmalia M. Mashuri Nurkulla Matnur Ritonga Rahmita Nurul Muthmainnah Rumiyatun setiyaningsih, dewi Venni Herli Sundi Voullin Hamzah