Anjasmoro: Islamic Interdisciplinary Journal
Vol. 4 No. 1 (2026): Islamic Education

Optimizing the Circulation of Islamic Boarding School MSME Funds Through Digital-Based Sharia Microfinance Technology Innovation at the Nurul Jadid Islamic Boarding School, Paiton

Ahmad Zaenal Abidin (Universitas Nurul Jadid)
Mohammad Alief Hidayatullah (Universitas Nurul Jadid)



Article Info

Publish Date
18 Jul 2026

Abstract

This study examines the role of digital-based Islamic microfinance technology in supporting the circulation of funds among Islamic boarding school (pesantren) MSMEs at the Nurul Jadid Islamic Boarding School in Paiton. The research employed a qualitative descriptive approach with a case study design. Data were collected through interviews, observations, and documentation with MSME managers, Islamic boarding school cooperative administrators, and students using digital financial services. The results indicate that utilizing digital financial systems helps accelerate transactions, organize financial records more efficiently, increase transparency, and promote efficient management of Islamic boarding school MSME funds. However, its implementation still faces challenges such as uneven digital literacy, varying user capabilities, and inadequate infrastructure support. Therefore, digital-based Islamic microfinance technology has the potential to become a means of strengthening a more modern, orderly, and sustainable Islamic boarding school economy.

Copyrights © 2026






Journal Info

Abbrev

anjasmoro

Publisher

Subject

Religion Humanities Education

Description

Anjasmoro: Islamic Interdisciplinary Journal is a high-quality open-access peer-reviewed research journal published by Yayasan Pendidikan Islam Bustanul Ulum Mojokerto, East Java, Indonesia. Anjasmoro: Islamic Interdisciplinary Journal is the leading journal in Islamic educational institution ...