Konsep Integrasi Manajemen Bisnis Syariah Pondok Pesantren Melalui Bank Wakaf Mikro
Abstract
In the literature, micro waqf banks are predominantly associated with productive waqf literacy, women's economic empowerment, poverty alleviation, and providing business capital. However, the lack of literature on pesantren (Islamic boarding schools) managing sharia business with the presence of micro waqf banks motivated this research. This study highlights the importance of explaining the role of Sharia business management in pesantren that operate micro waqf banks. The research aims to understand sharia business management in pesantren integrated with micro waqf banks. A qualitative method with a literature study approach was used. The data, which is secondary, was sourced from books, journals, bulletins, proceedings, and reports from the last 12 years. The data analysis technique employed content analysis. The study found that the sharia business management of pesantren operating micro waqf banks involves planning, organizing, leading, and controlling to create and inventory sharia business potential sustainably according to the Qur'an and As-Sunnah. The integration of sharia business between pesantren and micro waqf banks involves the joint involvement of pesantren managers, micro waqf bank managers, and customers. The sharia business management of pesantren operating micro waqf banks can be conducted collaboratively among pesantren managers, micro waqf bank managers, and micro waqf bank customers. This research implies that the better the sharia business management of pesantren operating micro waqf banks, the more positive the socio-economic development will be for the pesantren and the surrounding community. Future research should analyze the impact of Sharia business management on strengthening the economy of pesantren operating micro waqf banks. The limitation of this study is the use of a literature study due to the limited literature on Sharia business management in pesantren based on micro waqf banks.
References
Aceng, A. B., Ainulyaqin, M. H., Miharja, M. N. D., Ermanto, E., & Fauzi, A. (2023). Membentuk Generasi Rabbani Dalam Mensyiarkan Ekonomi Islam Melalui Kegiatan Diklat Ekonomi Syariah Di Universitas Pelita Bangsa Bekasi. Jurnal Pelita Pengabdian, 1(2), 155-160.
Ainulyaqin, M. H., Achmad, L. I., & Meilani, M. A. (2023). Peningkatan Kesejahteraan Santri Berbasis Manajemen Pengelolaan Wakaf Produktif di Pesantren Assyifa Subang. Jurnal Ilmiah Ekonomi Islam, 9(1), 221-228.
Ainulyaqin, M. H., Rakhmat, A. S., & Kudana, D. (2022). Determinants Of Waqf Interest In Jakarta Al-Azhar Waqf Institution. ILTIZAM Journal of Shariah Economics Research, 6(2), 250-266.
Ali, A. M. (2015). Economy - The Islamic Paradigm Economy. August.
Aliyah, U. H., Yusuf, M., & Rahma, S. (2023). Analisis Efektivitas Pemberdayaan Ekonomi Umat pada Bank Wakaf Mikro di Pondok Pesantren As’ad Kota Jambi. Muqaddimah, 1(3), 28–44. https://doi.org/https://doi.org/10.59246/muqaddimah.v1i3.327 Analisis
Almodóvar-González, M., Fernández-Portillo, A., & Díaz-Casero, J. C. (2020). Entrepreneurial activity and economic growth. A multi-country analysis. European Research on Management and Business Economics, 26(1), 9–17. https://doi.org/10.1016/j.iedeen.2019.12.004
Amelia, Devani, P., & Indrawanl, Y. V. (2023). Peran Koperasi Syariah Berbasis Pesantren Dalam Mengembangan Jiwa Enterpreneurship. Jurnal Ekonomi Dan Bisnis Islam, XIII(2), 174–193.
Ariatin, A., Dhewanto, W., & Sudrajad, O. Y. (2022). Business Model in Islamic Business Unit: A Lesson from Islamic Boarding Schools in West Java. International Journal of Applied Business Research, 4(1), 32–49. https://doi.org/10.35313/ijabr.v4i1.193
Armina, S. H. (2020). The Role of Islamic Boarding School in The Formation of The Madani Community. IQTISHODUNA: Jurnal Ekonomi Islam, 9(2), 235–246. https://doi.org/10.36835/iqtishoduna.v9i2.460
As-Salafiyah, A., & Rusydiana, A. S. (2022). The Potency of Pesantren Economics. The Economic Review of Pesantren, 1(1), 1–15.
Asmuni, & Mujiatun, S. (2013). BISNIS SYARIAH Suatu Alternatif Pengembangan Bisnis yang Humanistik dan Berkeadilan. Perdana Publishing. https://doi.org/10.31538/adlh.v8i1.3315
Assarroudi, A., Heshmati Nabavi, F., Armat, M. R., Ebadi, A., & Vaismoradi, M. (2018). Directed Qualitative Content Analysis: Describing and Elaborating its Underpinning Methods and Data Analysis Process. Journal of Research in Nursing, 23(1), 42–55. https://doi.org/10.1177/1744987117741667
Asshidiqqi, K., Sucipto, S., & Kurniawan, B. (2023). Manajeman Pengelolaan Bank Wakaf Mikro Dalam Pemberdayaan Ekonomi Umat (Studi Bank Wakaf Mikro Pondok Pesantren As’Ad Kota Jambi). Manajemen Keuangan Syariah, 3(2), 75–83. https://doi.org/10.30631/makesya.v3i2.2011
Bank Wakaf Mikro. (2019). Booklet Bank Wakaf Mikro 2019. In Booklet Bank Wakaf Mikro.
Basri, H., Mansur, M., Sukardi, A., Abd Latif, F., & Arifin, Z. (2022). Islamic Perspective on Management. KnE Social Sciences, 2022, 379–394. https://doi.org/10.18502/kss.v7i8.10757
Carpenter, M., Bauer, T., & Erdogan, B. (2012). Management Principles. Niagara University P. https://doi.org/10.1002/9781118321287.ch14
Creswell, J. W. (2014). Research Design: Qualitative, Quantitative and Mix Methods Approaches (Fourth). SAGE.
Daft, R. L. (2016). Management in Angewandte Chemie International Edition. 6(11), 951–952. Cengage Learning.
Darmawan, A. Z., Hasmawati, A., Arinda Dewi, N. A., Idris, D. M. I., Purnama, F. A., Almainda K, P., Mabrury, R., Lestari, R., Nurfalinda, S., Nugraha, W. E., Akbar, Y. T., & Nasser, Z. (2023). Sinergi Ekonomi Dan Keuangan Syariah Memperkuat Ketahanan Dan Kebangkitan Ekonomi Nasional.
Efendy, R., Rahman, A., & Karim, A. R. (2023). Scientific Transformation of Islamic Boarding Schools through Role of Alums the Islamic Education Study Program. Al-Hayat: Journal of Islamic Education, 7(2), 355–369. https://doi.org/10.35723/ajie.v7i2.349
Fauzi, M., Dahlan, R., & Syamanhudi, M. (2022). The Role of Green Economy on Micro Waqf Bank Customers as Farmers in Banten Province. Al Tahrir; Jurnal Pemikiran Islam, 22(2), 273–294. https://doi.org/http://dx.doi.org/10.21154/altahrir.v22i2.4729
Fauzi, M., Haji-Othman, Y., Cheumar, M. T., Ayuningtyas, R. D., Fuad, I. A., Royani, Syafiudin, A., & Saputra, H. E. (2024). Productive Poor Perception Towards Easily Micro-Business Financing Based on Micro Waqf Banks in Indonesia. International Journal of Research and Innovation in Social Science (IJRISS), 7(2), 1226–1240. https://doi.org/10.47772/IJRISS
Fauzi, M., Haji-othman, Y., Pakkanna, M., Azim, M. S., & Dahlan, R. (2024). Integration Of Philanthropy And Micro Waqf Banks To Strengthen Islamic Social Finance : Case In. International Journal Of Zakat And Islamic Philanthropy, 6(1), 1–10.
Fauzi, M., Junaedi, & Mahmudin. (2023). Does Micro Waqf Bank Avoid Loan Shark Practices? Keeping On Indigent Productive Business. International Economic and Finance Review (IEFR), 2(1), 1–29. https://doi.org/https://doi.org/110.56897/iefr.v2i1.23 p-ISSN:
Fauzi, M., Widana, I. G. N. O., Dahlan, R., & Muhammedi, S. (2024). Optimising Social Evolution Through Creating Welfare and Product Innovation of Micro Waqf Bank in Indonesia. Journal of Contemporary Islamic Studies, 10(1), 1–16. https://doi.org/10.24191/jcis.v10i1.1
Fitri, R., Sudarmiatin, S., Lia, D. A. Z., & Filianti, F. (2023). The Influence of Santripreneurs on the Realisation of Sharia Business in Malang Islamic Boarding Schools. The 3rd Annual Management, Business and Economics Conference (AMBEC 2021), 1, 24–34. https://doi.org/10.2991/978-94-6463-026-8_4
Fitri, W. (2021). Sharia Compliance in Micro Waqf Bank Business Activities : A Study of Protection of Consumer’s Spiritual Rights. Law Reform, 17(1), 107–120. https://doi.org/https://doi.org/10.14710/lr.v17i1.37556
Griffin, R. (2013). Management (Eleventh). Cengage Learning.
Halimah, S., & Rahman, T. (2023). Analisis Manajemen Bisnis Islam Pada Kopontren Dalam Pengembangan Ekonomi Pesantren Di Miftahul Ulum Pamekasan. Jurnal Adz-Dzahab: Jurnal Ekonomi Dan Bisnis Islam, 8(1), 1–12. https://doi.org/10.47435/adz-dzahab.v8i1.1338
Jannah, A. M., Arni, I. H., & Jaisyurohman, R. A. (2021). Kepemimpinan Dalam Pesantren. J-CEKI : Jurnal Cendekia Ilmiah, 1(1), 42–49.
Kemenag. (2021). Puslitbang Pendidikan Agama dan Keagamaan pada tahun 2020 dan 2021.
Kemenag, R. (2020). Statistik Pesantren Tahun 2020.
Khamid, A., Sutrisno, Hariyadi, R., & Zaman, B. (2023). Islamic Boarding School, The Transformation of Islamic Education Institution and Its Strategic Role In The Global Era. Attarbiyah: Journal of Islamic Culture and Education, 7(2), 125–138. https://doi.org/10.18326/attarbiyah.v7i2.
Kinanti, R. A., Zikwan, Rachmawati, Almas, B., Sari, F. N., Nindyaningtyas, U., Hasanah, I., Albanjari, F. R., Ilmiah, D., Ardiani, N., Maulana, A., Mahmudah, S. N., Suharyono, Indiharwati, A., Kafabih, A., Kamaruddin, A. M., Fatimatuzzahro, & Fitryani. (2022). Manajemen Bisnis Syariah. Media Sains Indonesia.
KNEKS, Bappenas, Kemenperin, Bank Indonesia, BPJPH, & Kemenkeu. (2023). Master Plan Indonesia Industri Halal 2023-2029.
Latif, A., Mamun, S., Achmad, Y., & Ainulyaqin, M. H. (2024). Implementasi Pendidikan Nilai-Nilai KeIslaman dalam Konteks Kewirausahaan: Studi pada kinerja alumni pesantren Almushlih Karawang yang berwirausaha. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(8), 5620-5636.
Lestari, D. S. T., Ainulyaqin, M. H., & Edy, S. (2023). Peran Wirausaha Berjamaah dan Individu Berkarakter dalam Penguatan Industri Halal di Indonesia. Jurnal Ilmiah Ekonomi Islam, 9(1), 325-338.
Lutfiyah, K. O., Trihantana, R., & Suryani, E. (2023). Manajemen Bisnis Syariah Kewirausahaan di Pondok Pesantren Daarul Rahman Kabupaten Bogor. Sahid Business Journal, III(1), 219–233.
Marni, D., Yafiz, M., & Rokan, M. K. (2023). Islamic Boarding School Economic Business Models In Improving Teacher Welfare In Deli Serdang. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 6(2), 999–1022.
Mayring, P. (2014). Qualitative content analysis: theoretical foundation, basic procedures and software solution. In The SAGE Handbook of Qualitative Data Analysis. Sage Publication. https://doi.org/10.4135/9781446282243.n12
Mayring, P. (2015). Qualitative Content Analysis: Theoretical Background and Procedures. In Approaches to Qualitative Research in Mathematics Education (pp. 365–380). Springer Science+Business Media Dordrecht. https://doi.org/10.1007/978-94-017-9181-6_13
MAZIDA, N. R. (2022). Analisis Penerapan Manajemen Bisnis Syariah Pada Koperasi Pondok Pesantren An-Nawawi Purworejo dan Hidayatul Mubtadi’ien Banyumas. Universitas Islam Negeri Prof. Kh. Saifuddin Zuhri Purwokerto.
Mirzaqon, A. T., & Purwoko, B. (2017). Studi Kepustakaan Mengenai Landasan Teori dan Praktik Konseling Expressive Writing Library. Jurnal BK UNESA, 4(1), 1–8.
Musaddad, A. (2023). Transformation of Islamic Boarding Schools as Islamic Education Institutions in Indonesia. Journal of Islamic Education Research, 4(1), 73–82. https://doi.org/10.35719/jier.v4i1.319
Mustaqim, M. (2016). Prinsip Syariah Dalam Manajemen Sumber Daya Manusia (Studi atas Implementasi Manajemen Sumber Daya Manusia UMKM di Kudus). Jurnal Penelitian, 10(2), 399–422. https://doi.org/10.21043/jupe.v10i2.1817
OJK. (2018). Bank Wakaf Mikro Program Pemberdayaan Masyarakat melalui Pendirian Bank Wakaf Mikro-LKM Syariah. In Otoritas Jasa Keuangan.
Pandya, J. (2020). Principles of Management. Open University. https://doi.org/10.1007/978-1-4419-5774-0_47
Purwanto, E., Yana, K. El, Oktarina, S., & Zainal, A. G. (2021). The Role of Islamic Boarding Schools and Character Building of Santri through Increasing Social Capital and Human Capital for Social Changes in the Community. International Journal of Progressive Sciences and Technologies (IJPSAT), 26(1), 625–632. http://ijpsat.ijsht-journals.org
Putri, G. A. M., Srirahayu, P. M., & Nisrina, G. (2022). Literature View Pengorganisasian: SDM, Tujuan Organisasi Dan Struktur Organisasi. Jurnal Ekonomi Manajemen Sistem Informasi, 3(3), 286–299. https://doi.org/10.31933/jemsi.v3i3.819
Quraisy, M., Sari, C. A., Hidayati, N., & Dewandaru, G. (2019). Laporan Perkembangan Ekonomi Syariah Daerah 2019-2020. In Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS).
Rakhmat, A. S., Ardianto, R. E., Permana, I., Ainulyaqin, M. H., & Edy, S. (2023). Meningkatkan Kapabilitas Kewirausahaan Guru Pesantren. Lentera Pengabdian, 1(04), 375-380.
Rakhmat, A. S., Ainulyaqin, M. H., Edy, S., Permana, I., & Ardianto, R. E. (2023). Pengembangan Ekonomi Berbasis Pesantren. Lentera Pengabdian, 1(01), 72-77.
Ratih, I. S., & Sufiani, M. (2023). Manajemen Unit Usaha Pesantren. At-Tasyri’: Jurnal Hukum Dan Ekonomi Syariah, 2(02), 316–328. https://doi.org/10.55380/tasyri.v2i02.588
Rizal, A., Fauziyah, N. E., Ma’, A., & Susilo, A. (2020). Integrating Zakah and Waqf for Developing Islamic Economic Boarding School (Iebs) Project in Indonesia. Journal of Islamic Economics and Philanthropy (JIEP). E-ISSN, 03(02), 2655–335. https://doi.org/10.21111/jiep.v3i02.4577
Rohman, A. (2017). Dasar Dasar Manejemen. Intelligentsia Media.
Safiudin, Syarifudin, E., Ma’mur, I., Firdaos, R., & Nugraha, E. (2024). Entrepreneurship Educational Management of Islamic Boarding School Based on Job Community Training Center in Indonesia. International Journal of Academic Research in Progressive Education and Development, 13(2), 743–757. https://doi.org/10.6007/IJARPED/v13-i2/21428
Setiawan, H. C. B., Komara, B. D., & Kurniawan, A. (2020). Manajemen Bisnis Syariah Berbasis Kewirausahaan di Pondok Pesantren Mukmin Mandiri Sidoaro. SAUJANA: Jurnal Perbankan Syariah Dan Ekonomi Syariah, 2(1), 20–31.
Setiawan, W. E., Achmad, Y., Ainulyaqin, M. H., Achmad, L. I., & Edy, S. (2024). Pengembangan Wakaf Produktif Berbasis Pesantren Ditinjau dengan Analisis SWOT. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 6(7), 5473-5489.
Silvana, M., & Lubis, D. (2021). Faktor yang Memengaruhi Kemandirian Ekonomi Pesantren (Studi Pesantren Al-Ittifaq Bandung). Al-Muzara’Ah, 9(2), 129–146. https://doi.org/10.29244/jam.9.2.129-146
Sirait, F. Y., Fitri, M., & Sugiyanto. (2024). The Urgency Of Sharia Business Development in the Digital Era. International Seminar on Islamic Studies, 5(1), 109–117.
Siswantoro. (2022). Entrepreneurship education model of pesantren on reducing unemployment. El Tarbawi, 15(1), 1–22.
Stoner, J. A. . (2012). Management. Prentice-Hall.
Suherman. (2022). Multimedia Learning Sources for Experienced Teachers to Support Their Teaching and Learning Processes in Secondary Education. Eurasian Journal of Educational Research, 101, 237–252. https://doi.org/10.14689/ejer.2022.101.014
Suhirman, G., & Aminy, M. M. (2022). Economic independence of pesantren and its impact on developing Micro, Small, and Medium Enterprises (MSMEs). International Journal of Health Sciences, July, 4046–4063. https://doi.org/10.53730/ijhs.v6ns5.10751
Sulhan, S. (2020). Manajemen Bisnis Koperasi Pondok Pesantren Manba’ul ’Ulum Gerung. Jurnal Econetica: Jurnal Ilmu Sosial, Ekonomi, Dan …, 2(1), 25–33.
Syafa’at, A. M., Mu’alina, N., & Jauhariyah, N. A. (2023). The Contribution of Boarding Schools In Economic Empowerment Local Communities. International Conference on Humanity Education and Social, 2(1), 1–10.
Syafe’i, I. (2017). Pondok Pesantren: Lembaga Pendidikan Pembentukan Karakter. Al-Tadzkiyyah: Jurnal Pendidikan Islam, 8(1), 61–82. https://doi.org/10.24042/atjpi.v8i1.2097
Utami, N. A. (2022). Analisis Manajemen Terhadap Bank Wakaf Mikro di Lingkungan Pondok Pesantren Hidayatulloh Trenggalek. Institut Agama Islam Negeri Ponorogo.
Yacub, R., Sophan, I., Herlina, Mulyeni, S., & Susilawati, E. (2023). Menumbuhkan Minat Berwirausaha di Era Revolusi. Jurnal Pengabdian Masyarakat (JPM), 1(1), 1–10.
Yaniawati, P. (2020). Penelitian Studi Kepustakaan. Universitas Pasundan.
Zaki, I., Mawardi, I., Widiastuti, T., Hendratmi, A., & Budiantoro, R. A. (2019). Business Model and Islamic Boarding School Business Development Strategy (Case Study Islamic Boarding School Sido Giri Pasuruan, East Java). KnE Social Sciences, 3(13), 602. https://doi.org/10.18502/kss.v3i13.4234
Zayanie, J. M., Fitria, A., & Kamariah, R. (2019). Bank Wakaf Mikro and Creative Economics in Pesantren Buntet. Shirkah: Journal of Economics and Business, 4(2). https://doi.org/10.22515/shirkah.v4i2.269
