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All Journal Current Biochemistry Jurnal Deformasi Pendas : Jurnah Ilmiah Pendidikan Dasar Jurnal Fakultas Teknik UNISA Kuningan Chemical Engineering Journal Storage (CEJS) Journal of Community Service Jurnal Ilmiah Sistem Informasi dan Ilmu Komputer The International Conference on Education, Social Sciences and Technology (ICESST) Jurnal Ilmiah Research Student Jurnal Ilmiah Mahasiswa Agrokomplek Jurnal Budi Pekerti Agama Islam Jurnal Padamu Negeri Javano Islamicus Jurnal Praba: Jurnal Rumpun Kesehatan Umum Atestasi : Jurnal Ilmiah Akuntansi
Ahmad Fikri
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Veterinary 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.
Co-Authors Agam Muarif Agustine, Dine Ahmad Firdaus Ahmad Rizal Fadhlan Ani Firda Aryo Seno Asrul Asrul Dede Rosyada Desty Endrawati Subroto Dewirman Prima Putra Faisal Ferhin Firda Meutia Gabriela Talasari Sumbayak Herwina Bahar I Made Sudantha Ibrahim, Ishak Karbito Khairul Anshar M. Rizki Syahrul Ramadhan mallisza, Danyl Mallisza Mohammad Ridwan Muhamad Faizin Muhammad Alimuddin Hafidz Muknizar, Muknizar Musli Nasrul ZA Nasrul ZA, Nasrul Ni Made Laksmi Ernawati Niko Zainuddin Muchtar Novi Sylvia Nursakinah Putra Hajril Fajri Raden Roro Anggun Tutur Winasis Raka Putra Hanafi Refnaldi Pramana Rezwandi Rezwandi Risal Abu Rizka Mulyawan Rizka Nurlaila Rozanna Dewi Rumiyatun Sandi, Nazlia Armita Siti Maisaroh Slamet Riyadi Subhi Supriadi Thalib Tasya Avanti Digdayani Tendri Indri Ani Tubagus Lucky Tri Iman Setiawan Wahyudi Wahyudi Widarto Rachbini Widarto Rachbini Wulandjani, Harimurti Wusnah Yuli Novia Sari Yulisda, Desvina Zulnazri, Z