Jurnal At-Tamwil: Kajian Ekonomi Syariah
Vol. 8 No. 1 (2026): Jurnal At-Tamwil Maret 2026

Optimizing Pesantren-Owned Enterprises (BUMP) as Halal Business Incubators: Promoting Economic Independence for the Community

Sutantri (Universitas Islam Tribakti Lirboyo Kediri)
Stevanus Gatot Supriyadi (Universitas Kahuripan Kediri)



Article Info

Publish Date
31 Mar 2026

Abstract

Purpose – This study aims to formulate a framework for optimizing BUMP through structural transformation into a Halal Business Incubator (IBH). Design/Methods/Approach – The methodology employed is a conceptual, prescriptive, and descriptive qualitative approach, synthesizing governance, incubation models, and Sharia funding architecture. Findings – Pesantren-owned enterprises (BUMP) hold a strategic position as an anchor for the Muslim community's economy and a key instrument in realizing Indonesia's vision as a Global Halal Hub. However, there are significant challenges, particularly in terms of human resource capabilities, literacy in halal development instruments, and limited access to capital. Research Implications/Limitations – The analysis resulted in the Four Pillars Optimization Model: (1) Strengthening Centralized Relational Governance for accountable and digital supervision; (2) Five Pillars Integrated Halal Incubation Operational Model that places Halal Assurance at its core; (3) A Strategy for Strengthening Human Resource Capabilities through massive halal literacy training; and (4) A Sharia Blended Finance Funding Architecture that synergizes Productive Waqf for assets and Shariah Crowdfunding for working capital. Originality/Value – This research provides an optimization roadmap for BUMP to improve the competitiveness of MSMEs by accelerating halal certification and fundamentally promoting independence.

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Journal Info

Abbrev

perbankan

Publisher

Subject

Religion Economics, Econometrics & Finance Environmental Science Social Sciences

Description

Jurnal At-Tamwil is a journal published by the Faculty of Economics and Business, Sharia Banking study program, Tribakti Islamic University Lirboyo Kediri. The purpose of this journal is to communicate and as a medium for academic socialization by providing a platform to promote the publication of ...