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All Journal Jurnal Dinamika Ekonomi Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Muhammad Nurul Fahmi
Institut Agama Islam An-Nawawi Purworejo
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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A SHARIA ENTREPRENEURSHIP MODEL FOR STRENGTHENING ECONOMIC INDEPENDENCE IN VOCATIONAL TAHFIDZ INSTITUTIONS: A CASE STUDY OF MA’HAD TAHFIDZ AMAN BESTARI SELANGOR Winda Rizki Juliyanti; Muhammad Nurul Fahmi
Jurnal Dinamika Ekonomi Syariah Vol. 13 No. 2 (2026): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v13i2.2267

Abstract

This study aims to analyse and formulate a Sharia-based entrepreneurship model as a strategy to strengthen the economic independence of a vocational tahfidz institution, using Ma’had Tahfidz Aman Bestari Selangor as an in-depth case study. The scope of the research focuses on institutional business practices, governance mechanisms, and value integration within a Sharia social enterprise framework. A qualitative approach with a revelatory single case study design was employed. Data were collected through semi-structured interviews with institutional leaders and business managers, participatory observation of entrepreneurial activities, and analysis of financial and program documents. The findings reveal that Sharia entrepreneurship at the institution is implemented as an integral part of organisational governance, supported by diversified halal business units and a transparent social enterprise model. The entrepreneurship model is structured around four interrelated dimensions: maqashid-based values, institutional governance, productive economic activities, and vocational engagement. These dimensions operate in a dynamic and mutually reinforcing manner, enabling the institution to reduce dependence on external donations and enhance financial resilience. The study concludes that Sharia entrepreneurship, when institutionalised and value-driven, serves as an effective business strategy for achieving sustainable economic independence in faith-based organisations. The proposed model contributes to the literature on institutional Islamic entrepreneurship and offers a replicable framework for similar organisations seeking sustainable business development without compromising Sharia principles
Analisis Kesesuaian Pembiayaan Musyarakah dengan Prinsip Keuangan dalam Islam di PT BPR Syariah Meru Nusantara Mandiri (BNU Syariah) Adhimas Nur Andriansyah; Muhammad Nurul Fahmi; Akhmad Muhaini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 10 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i10.13447

Abstract

Musyarakah financing is one of the partnership-based financing schemes in Islamic banking that emphasizes the principles of justice, transparency, profit and loss sharing, and risk sharing. However, its implementation often faces challenges related to business monitoring, financial reporting, and customers' understanding of Islamic financing principles. This study aims to analyze the implementation of the musyarakah contract at PT BPR Syariah Meru Nusantara Mandiri from the perspective of Islamic finance principles. This research employed a qualitative approach with a field research design. Primary data were collected through observations, semi-structured interviews with bank officers, and documentation, while secondary data were obtained from regulations, DSN-MUI Fatwas, books, and relevant scientific literature. The collected data were analyzed using the interactive model of Miles, Huberman, and Saldaña, consisting of data condensation, data display, and conclusion drawing. The findings reveal that the implementation of the musyarakah contract has generally complied with Islamic principles and the DSN-MUI Fatwa No. 08/DSN-MUI/IV/2000 concerning Musyarakah Financing. The principles of justice, transparency, sharia compliance, profit and loss sharing, and risk sharing have been implemented in financing activities. Nevertheless, several challenges remain, including limited financial literacy among customers, inadequate business financial records, and constraints in monitoring financing activities. Therefore, strengthening customer education, improving monitoring systems, and optimizing financial reporting are essential to enhance the effectiveness and sustainability of musyarakah financing.
Co-Authors Adhimas Nur Andriansyah Akhmad Muhaini Winda Rizki Juliyanti